Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Crypto.com Prepaid: overall score versus use-case fit
Gnosis Pay has the higher Overall Score by 20 points (77 vs 57). Gnosis Pay looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Crypto.com Prepaid Card comes out ahead for Cashback.
Information checked Aug 14, 202631 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. Crypto.com Prepaid 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 Pay77Crypto.com Prepaid57Higher score
CashbackGnosis Pay22Crypto.com Prepaid31Higher score
TravelGnosis Pay100Crypto.com Prepaid57Higher score
Funds controlGnosis Pay89Crypto.com Prepaid40Higher score
Lowest feesGnosis Pay87Crypto.com Prepaid48Higher score
TransfersGnosis Pay91Crypto.com Prepaid47Higher 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 Crypto.com Prepaid Card if cashback matters most
Crypto.com Prepaid 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.
- Prepaid spend from a loaded balance
- Level Up tiers can raise CRO rewards
- Several card top-up paths
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 Pay77Crypto.com Prepaid57
Gnosis Pay has the higher Overall Score by 20 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXCrypto.com Prepaid$0 plan · 0–3% FX
Gnosis Pay has the lower published FX fee (0% vs 0–3%).
- Purchase rewards
- Gnosis Pay0% base · up to 5%Crypto.com Prepaid0% base · up to 5%
Both cards show the same base cashback rate of 0%.
- Funds control
- Gnosis PaySelf-controlled walletCrypto.com PrepaidCustodial balance
Gnosis Pay uses a self-controlled wallet setup, while Crypto.com Prepaid 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 PayCrypto.com PrepaidVirtual + 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 outboundCrypto.com Prepaid0 stablecoins · US card-to-card send
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 1).
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
- 0%-5%
- Plan cost
- $0
- FX fee
- 0–3%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 0 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 PayOverall77Crypto.com Prepaid CardOverall57
Gnosis PayOverall77Crypto.com Prepaid CardOverall57Scores
6 fields- Overall Score
- Gnosis Pay77Crypto.com Prepaid Card57
- Cashback score
- Gnosis Pay22Crypto.com Prepaid Card31
- Travel score
- Gnosis Pay100Crypto.com Prepaid Card57
- Funds control score
- Gnosis Pay89Crypto.com Prepaid Card40
- Lowest fees score
- Gnosis Pay87Crypto.com Prepaid Card48
- Transfers score
- Gnosis Pay91Crypto.com Prepaid Card47
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersCrypto.com Prepaid CardPrepaid spend from a loaded balance, Level Up tiers can raise CRO rewards
- Trade-offs
- Gnosis PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesCrypto.com Prepaid CardFees vary by method, tier and region, Spending uses a Crypto.com prepaid balance
Costs
7 fields- Plan cost
- Gnosis Pay$0Crypto.com Prepaid Card$0
- FX fee
- Gnosis Pay0%Crypto.com Prepaid Card0–3%
- Top-up fee
- Gnosis Pay0%Crypto.com Prepaid Card2.99%
- Card spending fee
- Gnosis Pay0%Crypto.com Prepaid CardNot disclosed
- ATM fee
- Gnosis Pay0–2%Crypto.com Prepaid Card0–2%
- Virtual card
- Gnosis PayFree; available after the card application is acceptedCrypto.com Prepaid CardAvailable for online use; separate virtual-card fee not listed
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeCrypto.com Prepaid CardUS first physical card: Midnight $4.99; Ruby $29.99; other listed US Visa cards $0
Plans
2 fields- Available plans
- Gnosis PayNot disclosedCrypto.com Prepaid Card5 plans: Basic, Plus, Pro, Private Icy/Rose +1
- Top cashback plan
- Gnosis PayNot disclosedCrypto.com Prepaid CardPrivate Obsidian: 5%
Everyday use
8 fields- Network
- Gnosis PayVisaCrypto.com Prepaid CardVisa/Mastercard
- Card formats
- Gnosis PayVirtual, PhysicalCrypto.com Prepaid CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableCrypto.com Prepaid CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayCrypto.com Prepaid CardApple Pay, Google Pay
- Apps
- Gnosis PayWebCrypto.com Prepaid CardiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionCrypto.com Prepaid CardUS Midnight $10,000/day; US Ruby and higher $25,000/day; Europe EUR 25,000/day
- Monthly spending limit
- Gnosis PayNot disclosedCrypto.com Prepaid CardUS Midnight $15,000/month; US Ruby and higher $25,000/month; Europe EUR 25,000/month; Europe EUR 250,000/year
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayCrypto.com Prepaid CardMonthly free ATM allowance by tier: midnight $200; ruby $400; jade Royal $800; icy Rose Obsidian $1,000; then 2%
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainCrypto.com Prepaid CardNot disclosed
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeCrypto.com Prepaid CardOther crypto: BTC, ETH
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANCrypto.com Prepaid CardUS prepaid card top-up, EU / UK prepaid card top-up
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundCrypto.com Prepaid CardUS card-to-card send
- Payout currencies
- Gnosis PayEUReCrypto.com Prepaid CardNot disclosed
Rewards
3 fields- Base cashback
- Gnosis Pay0%Crypto.com Prepaid Card0%
- Max cashback
- Gnosis Pay5%Crypto.com Prepaid Card5%
- Reward currency
- Gnosis PayGNO cashbackCrypto.com Prepaid CardCRO rewards
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredCrypto.com Prepaid CardNot offered
- How it works
- Gnosis PayNot offeredCrypto.com Prepaid CardNot offered
- Separate deposit
- Gnosis PayNot offeredCrypto.com Prepaid CardNot offered
- Use balance for spending
- Gnosis PayNot offeredCrypto.com Prepaid CardNot offered
- Lock-up
- Gnosis PayNot offeredCrypto.com Prepaid CardNot offered
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyCrypto.com Prepaid CardCustodial
- Control until payment
- Gnosis PayYou keep controlCrypto.com Prepaid CardProvider controls funds
- Card issuer
- Gnosis PayMonavateCrypto.com Prepaid CardCommunity Federal Savings Bank, Foris MT Limited, ForisGFS UK Limited +2
- Card processing
- Gnosis PayPaymentologyCrypto.com Prepaid CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}Crypto.com Prepaid CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumCrypto.com Prepaid CardNot disclosed
- Identity verification
- Gnosis PaySumsubCrypto.com Prepaid CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayCrypto.com Prepaid CardCrypto.com, Foris, Inc.
Sources
2 fields- Official sources
- Gnosis Pay17Crypto.com Prepaid Card14
- Last reviewed
- Gnosis PayAug 6, 2026Crypto.com Prepaid CardAug 14, 2026
04 · The trade-off
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 57 for Crypto.com Prepaid Card. Gnosis Pay has the lower published FX fee (0% vs 0–3%). Both cards show the same base cashback rate of 0%.
Crypto.com Prepaid 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 Crypto.com Prepaid Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 1). 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 Crypto.com Prepaid Card reviews first.
Continue with
Gnosis Pay
Continue with
Crypto.com Prepaid Card
05 · Common questions
Gnosis Pay vs Crypto.com Prepaid FAQ
Is Gnosis Pay or Crypto.com Prepaid better overall?
Gnosis Pay has the higher Overall Score (77 vs 57). 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 Crypto.com Prepaid?
Gnosis Pay has the lower published FX fee (0% vs 0–3%). 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 Crypto.com Prepaid?
Both cards show the same base cashback rate of 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 Crypto.com Prepaid differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Crypto.com Prepaid 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 Crypto.com Prepaid comparison?
The latest information check for these two cards was August 14, 2026, using 31 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.