Gnosis PayGnosis Pay
76
Side-by-side card comparison
Gnosis Pay vs Coinbase One: 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 5, 202640 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 Pay76Coinbase One56Higher score
CashbackGnosis Pay25Coinbase One40Compare the details below
TravelGnosis Pay100Coinbase One60Compare the details below
Funds controlGnosis Pay90Coinbase One36Compare the details below
Lowest feesGnosis Pay87Coinbase One58Compare the details below
TransfersGnosis Pay91Coinbase One24Compare 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 Coinbase One Card if its day-to-day setup suits you
Coinbase One 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.
- 2% BTC on eligible purchases
- No foreign transaction fee
- Metal card and both phone wallets
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Gnosis Pay76Coinbase One56
Gnosis Pay has the higher Overall Score by 20 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXCoinbase One$49.99/year plan · 0% foreign transaction fee; Amex conversion rates remain separate FX
Gnosis Pay has the lower starting plan cost ($0 vs $49.99/year).
- Purchase rewards
- Gnosis PayCurrent cashback unconfirmedCoinbase One2% base · up to 4%
Coinbase One Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- Gnosis PaySelf-controlled walletCoinbase OneCustodial balance
Gnosis Pay uses a self-controlled wallet setup, while Coinbase One 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 PayCoinbase OneVirtual + 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 outboundCoinbase One0 stablecoins · Not modeled
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 0).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- Cashback
- Unconfirmed
- 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
- 2%-4%
- Plan cost
- $49.99/year
- FX fee
- 0% foreign transaction fee; Amex conversion rates remain separate
- ATM fee
- Cash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 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 PayOverall76Coinbase One CardOverall56
Gnosis PayOverall76Coinbase One CardOverall56Scores
6 fields- Overall Score
- Gnosis Pay76Coinbase One Card56
- Cashback score
- Gnosis Pay25Coinbase One Card40
- Travel score
- Gnosis Pay100Coinbase One Card60
- Funds control score
- Gnosis Pay90Coinbase One Card36
- Lowest fees score
- Gnosis Pay87Coinbase One Card58
- Transfers score
- Gnosis Pay91Coinbase One Card24
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersCoinbase One Card2% BTC on eligible purchases, No foreign transaction fee
- Trade-offs
- Gnosis PayConsumer card being discontinued; current cashback unconfirmedCoinbase One CardPaid membership is required, Debt and cash advances carry costs
Costs
7 fields- Plan cost
- Gnosis Pay$0Coinbase One Card$49.99/year
- FX fee
- Gnosis Pay0%Coinbase One Card0% foreign transaction fee; Amex conversion rates remain separate
- Top-up fee
- Gnosis Pay0%Coinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread varies
- Card spending fee
- Gnosis Pay0%Coinbase One CardNot disclosed
- ATM fee
- Gnosis Pay0–2%Coinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Virtual card
- Gnosis PayFree; available after the card application is acceptedCoinbase One CardNot disclosed
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeCoinbase One CardNot disclosed
Plans
2 fields- Available plans
- Gnosis PayNot disclosedCoinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%
- Top cashback plan
- Gnosis PayNot disclosedCoinbase One CardAOC tier 4: 4%: 4%
Everyday use
8 fields- Network
- Gnosis PayVisaCoinbase One CardAmerican Express
- Card formats
- Gnosis PayVirtual, PhysicalCoinbase One CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableCoinbase One CardNot disclosed
- Mobile wallets
- Gnosis PayApple Pay, Google PayCoinbase One CardApple Pay, Google Pay
- Apps
- Gnosis PayWebCoinbase One CardiOS, Android, Web
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionCoinbase One CardPersonalized credit limit; no reusable daily spend ceiling
- Monthly spending limit
- Gnosis PayNot disclosedCoinbase One CardPersonalized credit limit; no reusable monthly spend ceiling
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayCoinbase One CardCash access and its sublimit are determined by the issuer
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainCoinbase One CardNot disclosed
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeCoinbase One CardNot disclosed
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANCoinbase One CardNot disclosed
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundCoinbase One CardNot disclosed
- Payout currencies
- Gnosis PayEUReCoinbase One CardNot disclosed
Rewards
3 fields- Base cashback
- Gnosis PayUnconfirmedCoinbase One Card2%
- Max cashback
- Gnosis PayUnconfirmedCoinbase One Card4%
- Reward currency
- Gnosis PayUnconfirmedCoinbase One CardBitcoin
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredCoinbase One CardUp to 3.5% APY
- How it works
- Gnosis PayNot offeredCoinbase One CardBorrow against collateral
- Separate deposit
- Gnosis PayNot offeredCoinbase One CardNo
- Use balance for spending
- Gnosis PayNot offeredCoinbase One CardNo
- Lock-up
- Gnosis PayNot offeredCoinbase One CardYes
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyCoinbase One CardCustodial
- Control until payment
- Gnosis PayYou keep controlCoinbase One CardProvider controls funds
- Card issuer
- Gnosis PayMonavateCoinbase One CardFirst Electronic Bank
- Card processing
- Gnosis PayPaymentologyCoinbase One CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}Coinbase One CardCoinbase, Inc.
- Bank transfers
- Gnosis PayMoneriumCoinbase One CardNot disclosed
- Identity verification
- Gnosis PaySumsubCoinbase One CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayCoinbase One CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Coinbase One Card23
- Last reviewed
- Gnosis PaySep 5, 2026Coinbase One CardSep 5, 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
Coinbase One Card
05 · Common questions
Gnosis Pay vs Coinbase One FAQ
Is Gnosis Pay or Coinbase One 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 Coinbase One?
Gnosis Pay has the lower starting plan cost ($0 vs $49.99/year). 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 One?
Coinbase One Card has the higher published base cashback rate (2% 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 Coinbase One differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Coinbase One 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 One comparison?
The latest information check for these two cards was September 5, 2026, using 40 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.