Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Bybit EU: overall score versus use-case fit
Gnosis Pay has the higher Overall Score by 9 points (77 vs 68). Gnosis Pay looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Bybit Card (EU) comes out ahead for Cashback.
Information checked Aug 14, 202627 official sources reviewed
01 · Overall score versus use-case fit
Gnosis Pay is the better all-round starting point
Gnosis Pay has the higher Overall Score in this comparison. Bybit Card (EU) may be the better fit for Cashback. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallGnosis Pay77Bybit EU68Higher score
CashbackGnosis Pay22Bybit EU47Higher score
TravelGnosis Pay100Bybit EU87Higher score
Funds controlGnosis Pay89Bybit EU51Higher score
Lowest feesGnosis Pay87Bybit EU72Higher score
TransfersGnosis Pay91Bybit EU79Higher score
Choose Gnosis Pay if travel and funds control matter most
Gnosis Pay comes out ahead for Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Spend stablecoins from a dedicated Safe
- SEPA IBAN funding fits euro users
- Visa card with wallet support
Choose Bybit Card (EU) if cashback matters most
Bybit Card (EU) comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Funding Account connects deposits and card spend
- Lite and Standard card access
- Default applicants start at 1% cashback
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Gnosis Pay77Bybit EU68
Gnosis Pay has the higher Overall Score by 9 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXBybit EU$0 plan · 0.5% FX
Gnosis Pay has the lower published FX fee (0% vs 0.5%).
- Purchase rewards
- Gnosis Pay0% base · up to 5%Bybit EU1% base · up to 10%
Bybit Card (EU) has the higher published base cashback rate (1% vs 0%).
- Funds control
- Gnosis PaySelf-controlled walletBybit EUCustodial balance
Gnosis Pay uses a self-controlled wallet setup, while Bybit Card (EU) 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 PayBybit EUVirtual + 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 outboundBybit EU2 stablecoins · Stablecoin transfers; Bybit EU account fiat withdrawal
Both cards list the same number of stablecoins and ways to send money out.
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- 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%-10%
- Plan cost
- $0
- FX fee
- 0.5%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsGnosis PayOverall77Bybit Card (EU)Overall68
Gnosis PayOverall77Bybit Card (EU)Overall68Scores
6 fields- Overall Score
- Gnosis Pay77Bybit Card (EU)68
- Cashback score
- Gnosis Pay22Bybit Card (EU)47
- Travel score
- Gnosis Pay100Bybit Card (EU)87
- Funds control score
- Gnosis Pay89Bybit Card (EU)51
- Lowest fees score
- Gnosis Pay87Bybit Card (EU)72
- Transfers score
- Gnosis Pay91Bybit Card (EU)79
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersBybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card access
- Trade-offs
- Gnosis PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesBybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account model
Costs
7 fields- Plan cost
- Gnosis Pay$0Bybit Card (EU)$0
- FX fee
- Gnosis Pay0%Bybit Card (EU)0.5%
- Top-up fee
- Gnosis Pay0%Bybit Card (EU)Not disclosed
- Card spending fee
- Gnosis Pay0%Bybit Card (EU)Not disclosed
- ATM fee
- Gnosis Pay0–2%Bybit Card (EU)2%
- Virtual card
- Gnosis PayFree; available after the card application is acceptedBybit Card (EU)Free
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeBybit Card (EU)First physical card free
Plans
2 fields- Available plans
- Gnosis PayNot disclosedBybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2
- Top cashback plan
- Gnosis PayNot disclosedBybit Card (EU)VIP 6 / PRO 3-5: 10%
Everyday use
8 fields- Network
- Gnosis PayVisaBybit Card (EU)Mastercard
- Card formats
- Gnosis PayVirtual, PhysicalBybit Card (EU)Virtual, Physical
- ATM withdrawals
- Gnosis PayAvailableBybit Card (EU)Available
- Mobile wallets
- Gnosis PayApple Pay, Google PayBybit Card (EU)Apple Pay, Google Pay
- Apps
- Gnosis PayWebBybit Card (EU)iOS, Android, Web
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionBybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetime
- Monthly spending limit
- Gnosis PayNot disclosedBybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetime
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayBybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per day
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainBybit Card (EU)Not disclosed
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeBybit Card (EU)Other crypto: Supported crypto
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANBybit Card (EU)Bybit EU Funding Account deposit
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundBybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawal
- Payout currencies
- Gnosis PayEUReBybit Card (EU)Not disclosed
Rewards
3 fields- Base cashback
- Gnosis Pay0%Bybit Card (EU)1%
- Max cashback
- Gnosis Pay5%Bybit Card (EU)10%
- Reward currency
- Gnosis PayGNO cashbackBybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredBybit Card (EU)Up to 8% APY
- How it works
- Gnosis PayNot offeredBybit Card (EU)Not disclosed
- Separate deposit
- Gnosis PayNot offeredBybit Card (EU)Not disclosed
- Use balance for spending
- Gnosis PayNot offeredBybit Card (EU)Not disclosed
- Lock-up
- Gnosis PayNot offeredBybit Card (EU)Not disclosed
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyBybit Card (EU)Custodial
- Control until payment
- Gnosis PayYou keep controlBybit Card (EU)Provider controls funds
- Card issuer
- Gnosis PayMonavateBybit Card (EU)Harmoniie SAS, Moorwand Ltd
- Card processing
- Gnosis PayPaymentologyBybit Card (EU)Not disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}Bybit Card (EU)Not disclosed
- Bank transfers
- Gnosis PayMoneriumBybit Card (EU)Not disclosed
- Identity verification
- Gnosis PaySumsubBybit Card (EU)Not disclosed
- Programme operator
- Gnosis PayGnosis PayBybit Card (EU)Not disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Bybit Card (EU)10
- Last reviewed
- Gnosis PayAug 6, 2026Bybit Card (EU)Aug 14, 2026
04 · The trade-off
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 68 for Bybit Card (EU). Gnosis Pay has the lower published FX fee (0% vs 0.5%). Bybit Card (EU) has the higher published base cashback rate (1% vs 0%).
Bybit Card (EU) still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. Gnosis Pay uses a self-controlled wallet setup, while Bybit Card (EU) uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Gnosis Pay and Bybit Card (EU) reviews first.
Continue with
Gnosis Pay
Continue with
Bybit Card (EU)
05 · Common questions
Gnosis Pay vs Bybit EU FAQ
Is Gnosis Pay or Bybit EU better overall?
Gnosis Pay has the higher Overall Score (77 vs 68). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Gnosis Pay or Bybit EU?
Gnosis Pay has the lower published FX fee (0% vs 0.5%). 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 Bybit EU?
Bybit Card (EU) 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 Bybit EU differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Bybit Card (EU) 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 Bybit EU comparison?
The latest information check for these two cards was August 14, 2026, using 27 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.