Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Bitpanda: where the score gap comes from
Gnosis Pay's consumer card and dashboard are winding down by the end of 2026. Existing cards continue during the transition; the exact shutdown day has not been announced. Scores below describe the reviewed card terms, not availability for a new application.
Information checked Oct 6, 202633 official sources reviewed
01 · Where the gap opens
Gnosis Pay is being discontinued
This comparison remains available for existing cardholders. Gnosis Pay is excluded from our recommendations during its wind-down. Review Rebind for the EUR migration route and check the other card's current eligibility independently.
OverallGnosis Pay77Bitpanda73Higher score
CashbackGnosis Pay22Bitpanda60Compare the details below
TravelGnosis Pay100Bitpanda79Compare the details below
Funds controlGnosis Pay90Bitpanda56Compare the details below
Lowest feesGnosis Pay87Bitpanda67Compare the details below
TransfersGnosis Pay91Bitpanda85Compare the details below
Gnosis Pay: existing-card reference
Gnosis Pay's consumer card and dashboard are winding down by the end of 2026. Existing cards continue during the transition; the exact shutdown day has not been announced.
- Excluded from new-card recommendations
- EUR migration route: Rebind
- Exact card shutdown day unannounced
Choose Bitpanda Card if its day-to-day setup suits you
Bitpanda Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- No monthly fee
- Apple Pay and Google Pay
- Crypto and metals payments
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Gnosis Pay77Bitpanda73
Gnosis Pay has the higher Overall Score by 4 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXBitpanda$0 plan · 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Gnosis Pay0% base · up to 5%Bitpanda1% cashback
Bitpanda Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- Gnosis PaySelf-controlled walletBitpandaCustodial balance
Gnosis Pay uses a self-controlled wallet setup, while Bitpanda Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Gnosis PayVirtual + Physical · Apple Pay, Google PayBitpandaVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Gnosis Pay3 stablecoins · Stablecoin transfers; IBAN outboundBitpanda2 stablecoins · Stablecoin transfers; EUR SEPA withdrawal
Both cards list the same number of stablecoins and ways to send money out.
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- Cashback
- 0%-5%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 1 fiat
- Payout methods
- 0 crypto · 1 fiat
- Cashback
- 1%
- Plan cost
- $0
- FX fee
- 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- ATM fee
- 2%; min €2
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 1 fiat
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsGnosis PayOverall77Bitpanda CardOverall73
Gnosis PayOverall77Bitpanda CardOverall73Scores
6 fields- Overall Score
- Gnosis Pay77Bitpanda Card73
- Cashback score
- Gnosis Pay22Bitpanda Card60
- Travel score
- Gnosis Pay100Bitpanda Card79
- Funds control score
- Gnosis Pay90Bitpanda Card56
- Lowest fees score
- Gnosis Pay87Bitpanda Card67
- Transfers score
- Gnosis Pay91Bitpanda Card85
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersBitpanda CardNo monthly fee, Apple Pay and Google Pay
- Trade-offs
- Gnosis PayConsumer card being discontinued; GNO cashback ends September 30, 2026Bitpanda CardAsset sale fees on payments, Limited cashback eligibility
Costs
7 fields- Plan cost
- Gnosis Pay$0Bitpanda Card$0
- FX fee
- Gnosis Pay0%Bitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- Gnosis Pay0%Bitpanda CardEUR SEPA deposits and withdrawals: no Bitpanda fee. PayPal deposit: 1.49%. Bank charges and other methods may differ. These fund the provider account
- Card spending fee
- Gnosis Pay0%Bitpanda CardNot disclosed
- ATM fee
- Gnosis Pay0–2%Bitpanda Card2%; min €2
- Virtual card
- Gnosis PayFree; available after the card application is acceptedBitpanda CardNot disclosed
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeBitpanda CardFirst card free. One active physical card per user.
Plans
2 fields- Available plans
- Gnosis PayNot disclosedBitpanda Card1 plans: Standard
- Top cashback plan
- Gnosis PayNot disclosedBitpanda CardStandard: 1%
Everyday use
8 fields- Network
- Gnosis PayVisaBitpanda CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalBitpanda CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableBitpanda CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayBitpanda CardApple Pay, Google Pay
- Apps
- Gnosis PayWebBitpanda CardiOS, Android, Web
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionBitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- Gnosis PayNot disclosedBitpanda Card€280,000 per month
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayBitpanda Card€500 per day
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainBitpanda CardNot disclosed
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeBitpanda CardStablecoins: USDC
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANBitpanda CardEUR SEPA deposit
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundBitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- Gnosis PayEUReBitpanda CardEUR
Rewards
3 fields- Base cashback
- Gnosis Pay0%Bitpanda Card1%
- Max cashback
- Gnosis Pay5%Bitpanda Card1%
- Reward currency
- Gnosis PayGNO cashbackBitpanda CardSame eligible cryptocurrency used for payment
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredBitpanda CardNot disclosed
- How it works
- Gnosis PayNot offeredBitpanda CardEarn on spending balance
- Separate deposit
- Gnosis PayNot offeredBitpanda CardNo
- Use balance for spending
- Gnosis PayNot offeredBitpanda CardYes
- Lock-up
- Gnosis PayNot offeredBitpanda CardNo
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyBitpanda CardCustodial
- Control until payment
- Gnosis PayYou keep controlBitpanda CardProvider controls funds
- Card issuer
- Gnosis PayMonavateBitpanda CardTransact Payments Malta Limited
- Card processing
- Gnosis PayPaymentologyBitpanda CardMarqeta
- Custody / key management
- Gnosis PaySafe{Wallet}Bitpanda CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumBitpanda CardNot disclosed
- Identity verification
- Gnosis PaySumsubBitpanda CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayBitpanda CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Bitpanda Card16
- Last reviewed
- Gnosis PaySep 6, 2026Bitpanda CardOct 6, 2026
04 · The verdict
Plan around the Gnosis Pay wind-down
Gnosis Pay's consumer card and dashboard are winding down by the end of 2026. Existing cards continue during the transition; the exact shutdown day has not been announced.
An Overall Score does not extend a card's service life. Existing users can review the recorded costs below, but new applicants should consider a live programme and confirm its country eligibility.
Read the Gnosis transition notice and our Rebind profile before migrating.
Continue with
Gnosis Pay
Continue with
Bitpanda Card
05 · Common questions
Gnosis Pay vs Bitpanda FAQ
Is Gnosis Pay or Bitpanda better overall?
Gnosis Pay's consumer card and dashboard are winding down by the end of 2026. Existing cards continue during the transition; the exact shutdown day has not been announced. Gnosis Pay is not a current recommendation, regardless of its numerical score.
Which has lower fees, Gnosis Pay or Bitpanda?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Gnosis Pay or Bitpanda?
Bitpanda Card has the higher published base cashback rate (1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Gnosis Pay and Bitpanda differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Bitpanda Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Gnosis Pay vs Bitpanda comparison?
The latest information check for these two cards was October 6, 2026, using 33 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.