Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Coca: 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 Sep 12, 202629 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 Pay77Coca70Higher score
CashbackGnosis Pay22Coca43Compare the details below
TravelGnosis Pay100Coca82Compare the details below
Funds controlGnosis Pay90Coca85Compare the details below
Lowest feesGnosis Pay87Coca63Compare the details below
TransfersGnosis Pay91Coca87Compare 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 Coca Card if its day-to-day setup suits you
Coca 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.
- Stablecoin funding, IBAN receive and card spend
- Physical, virtual and phone-wallet access
- Six tiers combine cashback and rebates
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Gnosis Pay77Coca70
Gnosis Pay has the higher Overall Score by 7 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXCoca$0 plan · 0% on direct pairs 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%Coca1% base · up to 8%
Coca Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- Gnosis PaySelf-controlled walletCocaSelf-controlled wallet
Gnosis Pay and Coca Card use the same self-controlled wallet setup.
- Everyday access
- Gnosis PayVirtual + Physical · Apple Pay, Google PayCocaVirtual + 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 outboundCoca3 stablecoins · Stablecoin transfers; IBAN / bank transfers
Coca 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
- 1%-8%
- Plan cost
- $0
- FX fee
- 0% on direct pairs
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 1 fiat
- Payout methods
- 7 crypto · 2 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 PayOverall77Coca CardOverall70
Gnosis PayOverall77Coca CardOverall70Scores
6 fields- Overall Score
- Gnosis Pay77Coca Card70
- Cashback score
- Gnosis Pay22Coca Card43
- Travel score
- Gnosis Pay100Coca Card82
- Funds control score
- Gnosis Pay90Coca Card85
- Lowest fees score
- Gnosis Pay87Coca Card63
- Transfers score
- Gnosis Pay91Coca Card87
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersCoca CardStablecoin funding, IBAN receive and card spend, Physical, virtual and phone-wallet access
- Trade-offs
- Gnosis PayConsumer card being discontinued; GNO cashback ends September 30, 2026Coca CardBest cashback needs COCA tier rules, ATM is free only up to allowance
Costs
7 fields- Plan cost
- Gnosis Pay$0Coca Card$0
- FX fee
- Gnosis Pay0%Coca Card0% on direct pairs
- Top-up fee
- Gnosis Pay0%Coca CardNot disclosed
- Card spending fee
- Gnosis Pay0%Coca CardNot disclosed
- ATM fee
- Gnosis Pay0–2%Coca Card0–2%
- Virtual card
- Gnosis PayFree; available after the card application is acceptedCoca CardVirtual card free for all tiers
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeCoca CardPlastic card $5 for Starter/Standard/Standard+; free for Premium/Premium+/Elite
Plans
2 fields- Available plans
- Gnosis PayNot disclosedCoca Card6 plans: Starter, Standard, Standard+, Premium +2
- Top cashback plan
- Gnosis PayNot disclosedCoca CardElite: 8%
Everyday use
8 fields- Network
- Gnosis PayVisaCoca CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalCoca CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableCoca CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayCoca CardApple Pay, Google Pay
- Apps
- Gnosis PayWebCoca CardiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionCoca Card30,000 EUR/day; 30,000 EUR/transaction
- Monthly spending limit
- Gnosis PayNot disclosedCoca Card30,000 EUR/month
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayCoca Card850 EUR/day; 5,000 EUR/month
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainCoca CardEthereum, BNB Smart Chain, Avalanche C-Chain, Polygon, Arbitrum, Near +5
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeCoca CardStablecoins: USDT, USDC, EURC, EURS
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANCoca CardEUR IBAN receive
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundCoca CardStablecoin transfers; IBAN / bank transfers
- Payout currencies
- Gnosis PayEUReCoca CardEUR, USD where available
Rewards
3 fields- Base cashback
- Gnosis Pay0%Coca Card1%
- Max cashback
- Gnosis Pay5%Coca Card8%
- Reward currency
- Gnosis PayGNO cashbackCoca CardStablecoins such as USDC or EURC cashback
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredCoca CardUp to 5% APY
- How it works
- Gnosis PayNot offeredCoca CardEarn on spending balance
- Separate deposit
- Gnosis PayNot offeredCoca CardNo
- Use balance for spending
- Gnosis PayNot offeredCoca CardYes
- Lock-up
- Gnosis PayNot offeredCoca CardNo
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyCoca CardSelf-custody
- Control until payment
- Gnosis PayYou keep controlCoca CardYou keep control
- Card issuer
- Gnosis PayMonavateCoca CardNot disclosed
- Card processing
- Gnosis PayPaymentologyCoca CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}Coca CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumCoca CardNot disclosed
- Identity verification
- Gnosis PaySumsubCoca CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayCoca CardCOCA / CCA LABS
Sources
2 fields- Official sources
- Gnosis Pay17Coca Card12
- Last reviewed
- Gnosis PaySep 6, 2026Coca CardSep 12, 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
Coca Card
05 · Common questions
Gnosis Pay vs Coca FAQ
Is Gnosis Pay or Coca 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 Coca?
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 Coca?
Coca 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 Coca differ on custody?
Gnosis Pay and Coca Card use the same self-controlled wallet setup.
How current is this Gnosis Pay vs Coca comparison?
The latest information check for these two cards was September 12, 2026, using 29 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.