Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Bybit EU: 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 11, 202627 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 Pay77Bybit EU68Higher score
CashbackGnosis Pay22Bybit EU47Compare the details below
TravelGnosis Pay100Bybit EU87Compare the details below
Funds controlGnosis Pay90Bybit EU51Compare the details below
Lowest feesGnosis Pay87Bybit EU72Compare the details below
TransfersGnosis Pay91Bybit EU79Compare 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 Bybit Card (EU) if its day-to-day setup suits you
Bybit Card (EU) 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.
- Funding Account connects deposits and card spend
- Lite and Standard card access
- Default applicants start at 1% cashback
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- 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
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%-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
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 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 Pay90Bybit 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 PayConsumer card being discontinued; GNO cashback ends September 30, 2026Bybit 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 PaySep 6, 2026Bybit Card (EU)Oct 11, 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
Bybit Card (EU)
05 · Common questions
Gnosis Pay vs Bybit EU FAQ
Is Gnosis Pay or Bybit EU 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 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 October 11, 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.