Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Coca: overall score versus use-case fit
Gnosis Pay has the higher Overall Score by 7 points (77 vs 70). Gnosis Pay looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Coca Card comes out ahead for Cashback.
Information checked Aug 6, 202629 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. Coca Card 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 Pay77Coca70Higher score
CashbackGnosis Pay22Coca43Higher score
TravelGnosis Pay100Coca82Higher score
Funds controlGnosis Pay89Coca85Higher score
Lowest feesGnosis Pay87Coca63Higher score
TransfersGnosis Pay91Coca87Higher 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 Coca Card if cashback matters most
Coca Card 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.
- Stablecoin funding, IBAN receive and card spend
- Physical, virtual and phone-wallet access
- Six tiers combine cashback and rebates
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 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
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%-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
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 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 Pay89Coca 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 PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesCoca 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 PayAug 6, 2026Coca CardAug 5, 2026
04 · The trade-off
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 70 for Coca Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Coca Card has the higher published base cashback rate (1% vs 0%).
Coca Card 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 and Coca Card use the same self-controlled wallet setup.
Coca Card lists more stablecoins and ways to send money out (5 vs 4). 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 Coca Card reviews first.
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 has the higher Overall Score (77 vs 70). 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 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 August 6, 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.