Gnosis PayGnosis Pay
76
Side-by-side card comparison
Gnosis Pay vs Coinbase: overall score versus use-case fit
Gnosis Pay has the higher Overall Score by 11 points (76 vs 65). Gnosis Pay looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Coinbase Card comes out ahead for Cashback.
Information checked Aug 31, 202639 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. Coinbase 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 Pay76Coinbase65Higher score
CashbackGnosis Pay25Coinbase37Higher score
TravelGnosis Pay100Coinbase62Higher score
Funds controlGnosis Pay89Coinbase48Higher score
Lowest feesGnosis Pay87Coinbase55Higher score
TransfersGnosis Pay91Coinbase84Higher 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 Coinbase Card if cashback matters most
Coinbase 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.
- Virtual and physical Visa cards cover online, store and ATM use
- The U.S. schedule lists $0 card, monthly and Coinbase ATM fees
- Cash, USDC and supported crypto can fund the same card flow
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 Pay76Coinbase65
Gnosis Pay has the higher Overall Score by 11 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXCoinbase$0 plan · U.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separate 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% cashbackCoinbaseNot disclosed
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- Gnosis PaySelf-controlled walletCoinbaseCustodial balance
Gnosis Pay uses a self-controlled wallet setup, while Coinbase 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 PayCoinbaseVirtual + Physical · Unknown
Gnosis Pay lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Gnosis Pay3 stablecoins · Stablecoin transfers; IBAN outboundCoinbase1 stablecoin · Stablecoin transfers; Coinbase U.S. account cash-out, Coinbase U.K. and EEA account cash-out
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%
- 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
- Not disclosed
- Plan cost
- $0
- FX fee
- U.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separate
- ATM fee
- U.S. Coinbase ATM fee: $0. ATM operators may charge; U.K./EEA provider pricing is not published here
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 1 crypto · 2 fiat
- Payout methods
- 1 crypto · 3 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 PayOverall76Coinbase CardOverall65
Gnosis PayOverall76Coinbase CardOverall65Scores
6 fields- Overall Score
- Gnosis Pay76Coinbase Card65
- Cashback score
- Gnosis Pay25Coinbase Card37
- Travel score
- Gnosis Pay100Coinbase Card62
- Funds control score
- Gnosis Pay89Coinbase Card48
- Lowest fees score
- Gnosis Pay87Coinbase Card55
- Transfers score
- Gnosis Pay91Coinbase Card84
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersCoinbase CardVirtual and physical Visa cards cover online, store and ATM use, The U.S. schedule lists $0 card, monthly and Coinbase ATM fees
- Trade-offs
- Gnosis PaySetup is more complex than prepaid cards, The GNO cashback programme has endedCoinbase CardCrypto conversion includes a spread with no stable public rate, Rewards are U.S.-only and the current rate changes in the app
Costs
7 fields- Plan cost
- Gnosis Pay$0Coinbase Card$0
- FX fee
- Gnosis Pay0%Coinbase CardU.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separate
- Top-up fee
- Gnosis Pay0%Coinbase CardLinked-bank and payroll funding are marketed at $0; other Coinbase account funding routes were not reviewed for this card profile
- Card spending fee
- Gnosis Pay0%Coinbase Card0%
- ATM fee
- Gnosis Pay0–2%Coinbase CardU.S. Coinbase ATM fee: $0. ATM operators may charge; U.K./EEA provider pricing is not published here
- Virtual card
- Gnosis PayFree; available after the card application is acceptedCoinbase CardNot disclosed
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeCoinbase CardNot disclosed
Plans
2 fields- Available plans
- Gnosis PayNot disclosedCoinbase CardNot disclosed
- Top cashback plan
- Gnosis PayNot disclosedCoinbase CardNot disclosed
Everyday use
8 fields- Network
- Gnosis PayVisaCoinbase CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalCoinbase CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableCoinbase CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayCoinbase CardNot disclosed
- Apps
- Gnosis PayWebCoinbase CardiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionCoinbase Card$2,500 per 24 hours in the U.S. programme
- Monthly spending limit
- Gnosis PayNot disclosedCoinbase CardU.S. monthly spend limit not published; U.K./EEA limits are customer-specific
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayCoinbase Card$1,000 per 24 hours in the U.S.; U.K./EEA values are shown in app
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainCoinbase CardCoinbase-supported networks
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeCoinbase CardOther crypto: Supported crypto
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANCoinbase CardLinked bank account, Payroll deposit
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundCoinbase CardStablecoin transfers; Coinbase U.S. account cash-out, Coinbase U.K. and EEA account cash-out
- Payout currencies
- Gnosis PayEUReCoinbase CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Gnosis Pay0%Coinbase CardNot disclosed
- Max cashback
- Gnosis Pay0%Coinbase CardNot disclosed
- Reward currency
- Gnosis PayNot applicableCoinbase CardSelected crypto offer
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredCoinbase CardNot offered
- How it works
- Gnosis PayNot offeredCoinbase CardNot offered
- Separate deposit
- Gnosis PayNot offeredCoinbase CardNot offered
- Use balance for spending
- Gnosis PayNot offeredCoinbase CardNot offered
- Lock-up
- Gnosis PayNot offeredCoinbase CardNot offered
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyCoinbase CardCustodial
- Control until payment
- Gnosis PayYou keep controlCoinbase CardProvider controls funds
- Card issuer
- Gnosis PayMonavateCoinbase CardPathward, N.A., Paysafe Financial Services Limited, Paysafe Payment Solutions Limited
- Card processing
- Gnosis PayPaymentologyCoinbase CardMarqeta, Inc.
- Custody / key management
- Gnosis PaySafe{Wallet}Coinbase CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumCoinbase CardNot disclosed
- Identity verification
- Gnosis PaySumsubCoinbase CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayCoinbase CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Coinbase Card22
- Last reviewed
- Gnosis PayAug 31, 2026Coinbase CardAug 30, 2026
04 · The trade-off
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 76 versus 65 for Coinbase Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Coinbase 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 uses a self-controlled wallet setup, while Coinbase Card 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 Coinbase Card reviews first.
Continue with
Gnosis Pay
Continue with
Coinbase Card
05 · Common questions
Gnosis Pay vs Coinbase FAQ
Is Gnosis Pay or Coinbase better overall?
Gnosis Pay has the higher Overall Score (76 vs 65). 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 Coinbase?
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 Coinbase?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. 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 Coinbase differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Coinbase 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 Coinbase comparison?
The latest information check for these two cards was August 31, 2026, using 39 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.