Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Brighty: 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, 202642 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 Pay77Brighty70Higher score
CashbackGnosis Pay22Brighty48Compare the details below
TravelGnosis Pay100Brighty80Compare the details below
Funds controlGnosis Pay90Brighty65Compare the details below
Lowest feesGnosis Pay87Brighty67Compare the details below
TransfersGnosis Pay91Brighty93Compare 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 Brighty Card if its day-to-day setup suits you
Brighty 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.
- Free entry plan
- USDC cashback
- Multiple account rails
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Gnosis Pay77Brighty70
Gnosis Pay has the higher Overall Score by 7 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXBrighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FX
Gnosis Pay has the lower published FX fee (0% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources).
- Purchase rewards
- Gnosis Pay0% base · up to 5%Brighty0.5% base · up to 1.75%
Brighty Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- Gnosis PaySelf-controlled walletBrightyCustodial balance
Gnosis Pay uses a self-controlled wallet setup, while Brighty 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 PayBrightyVirtual + Physical · Apple Pay
Gnosis Pay lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Gnosis Pay3 stablecoins · Stablecoin transfers; IBAN outboundBrighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
Brighty Card lists more stablecoins and ways to send money out (5 vs 4).
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
- 0.5%-1.8%
- Plan cost
- $0
- FX fee
- Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 16 crypto · 4 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 PayOverall77Brighty CardOverall70
Gnosis PayOverall77Brighty CardOverall70Scores
6 fields- Overall Score
- Gnosis Pay77Brighty Card70
- Cashback score
- Gnosis Pay22Brighty Card48
- Travel score
- Gnosis Pay100Brighty Card80
- Funds control score
- Gnosis Pay90Brighty Card65
- Lowest fees score
- Gnosis Pay87Brighty Card67
- Transfers score
- Gnosis Pay91Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersBrighty CardFree entry plan, USDC cashback
- Trade-offs
- Gnosis PayConsumer card being discontinued; GNO cashback ends September 30, 2026Brighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- Gnosis Pay$0Brighty Card$0
- FX fee
- Gnosis Pay0%Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- Gnosis Pay0%Brighty Card0.3–0.7%
- Card spending fee
- Gnosis Pay0%Brighty CardNot disclosed
- ATM fee
- Gnosis Pay0–2%Brighty CardNot disclosed
- Virtual card
- Gnosis PayFree; available after the card application is acceptedBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- Gnosis PayNot disclosedBrighty Card3 plans: One, Plus, Pro
- Top cashback plan
- Gnosis PayNot disclosedBrighty CardOne: 0.5%
Everyday use
8 fields- Network
- Gnosis PayVisaBrighty CardVisa/Mastercard
- Card formats
- Gnosis PayVirtual, PhysicalBrighty CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableBrighty CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayBrighty CardApple Pay
- Apps
- Gnosis PayWebBrighty CardiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionBrighty CardPublished period is ambiguous: virtual Visa €15k on One/Plus/Pro; virtual Mastercard €50k / €75k / €100k on One / Plus / Pro
- Monthly spending limit
- Gnosis PayNot disclosedBrighty CardPublished period is ambiguous: physical Visa €15k on both Plus and Pro
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainBrighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- Gnosis PayEUReBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- Gnosis Pay0%Brighty Card0.5%
- Max cashback
- Gnosis Pay5%Brighty Card1.8%
- Reward currency
- Gnosis PayGNO cashbackBrighty CardUSDC
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredBrighty CardNot disclosed
- How it works
- Gnosis PayNot offeredBrighty CardEarn on spending balance
- Separate deposit
- Gnosis PayNot offeredBrighty CardNo
- Use balance for spending
- Gnosis PayNot offeredBrighty CardYes
- Lock-up
- Gnosis PayNot offeredBrighty CardNo
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyBrighty CardCustodial
- Control until payment
- Gnosis PayYou keep controlBrighty CardProvider controls funds
- Card issuer
- Gnosis PayMonavateBrighty CardWallester AS
- Card processing
- Gnosis PayPaymentologyBrighty CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}Brighty CardFireblocks
- Bank transfers
- Gnosis PayMoneriumBrighty CardNot disclosed
- Identity verification
- Gnosis PaySumsubBrighty CardSumsub
- Programme operator
- Gnosis PayGnosis PayBrighty CardBTY Digital AG
Sources
2 fields- Official sources
- Gnosis Pay17Brighty Card25
- Last reviewed
- Gnosis PaySep 6, 2026Brighty 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
Brighty Card
05 · Common questions
Gnosis Pay vs Brighty FAQ
Is Gnosis Pay or Brighty 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 Brighty?
Gnosis Pay has the lower published FX fee (0% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). 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 Brighty?
Brighty Card has the higher published base cashback rate (0.5% 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 Brighty differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Brighty 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 Brighty comparison?
The latest information check for these two cards was October 6, 2026, using 42 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.