Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Decaf
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.
Latest check Oct 19, 202638 official sources reviewed
Gnosis Pay
Best fit
- Existing cardholders spending their Card Safe balance during wind-down.
- Existing users paying abroad with no added Gnosis Pay FX markup.
- EUR users moving to Rebind through the available migration route.
Before you choose
- Consumer cards close by end-2026; the exact closing date is unannounced.
- GNO cashback ended September 30, 2026; new card signups are closed.
- A matching GBP migration on Gnosis Chain is not currently available.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsGnosis PayOverall77Decaf CardOverall64
Gnosis PayOverall77Decaf CardOverall64Scores
- Overall Score
- Gnosis Pay77Decaf Card64
- Cashback score
- Gnosis Pay22Decaf Card29
- Travel score
- Gnosis Pay100Decaf Card60
- Funds control score
- Gnosis Pay90Decaf Card63
- Lowest fees score
- Gnosis Pay87Decaf Card57
- Transfers score
- Gnosis Pay91Decaf Card70
Costs
- Plan cost
- Gnosis Pay$0Decaf Card$0
- FX fee
- Gnosis Pay0%Decaf Card1–2%
- Top-up fee
- Gnosis Pay0%Decaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Gnosis Pay0%Decaf CardNot disclosed
- ATM fee
- Gnosis Pay0–2%Decaf Card0% Decaf markup
- Virtual card
- Gnosis PayFree; available after the card application is acceptedDecaf Card$5
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeDecaf Card$90 international / $10 US
Plans
- Available plans
- Gnosis PayNot disclosedDecaf CardNot disclosed
- Top cashback plan
- Gnosis PayNot disclosedDecaf CardNot disclosed
Everyday use
- Network
- Gnosis PayVisaDecaf CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableDecaf CardNot disclosed
- Mobile wallets
- Gnosis PayApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Gnosis PayWebDecaf CardiOS, Android, Web
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionDecaf CardNot disclosed
- Monthly spending limit
- Gnosis PayNot disclosedDecaf CardNot disclosed
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Gnosis PayGnosis ChainDecaf CardSolana, Stellar
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeDecaf CardStablecoins: USDC
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Gnosis PayEUReDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Gnosis Pay0%Decaf CardNot disclosed
- Max cashback
- Gnosis Pay5%Decaf CardNot disclosed
- Reward currency
- Gnosis PayGNO cashbackDecaf CardNot disclosed
Earn
- Advertised APY
- Gnosis PayNot offeredDecaf CardNot disclosed
- How it works
- Gnosis PayNot offeredDecaf CardOptional earn vault
- Separate deposit
- Gnosis PayNot offeredDecaf CardYes
- Use balance for spending
- Gnosis PayNot offeredDecaf CardNot disclosed
- Lock-up
- Gnosis PayNot offeredDecaf CardNot disclosed
Trust & availability
- Custody
- Gnosis PaySelf-custodyDecaf CardNon-custodial
- Control until payment
- Gnosis PayYou keep controlDecaf CardNot disclosed
- Card issuer
- Gnosis PayMonavateDecaf CardThird National, Inc.
- Card processing
- Gnosis PayPaymentologyDecaf CardRain
- Custody / key management
- Gnosis PaySafe{Wallet}Decaf CardNot disclosed
- Deposits & withdrawals
- Gnosis PayNot disclosedDecaf CardMoneyGram
- Bank transfers
- Gnosis PayMoneriumDecaf CardNot disclosed
- Identity verification
- Gnosis PaySumsubDecaf CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayDecaf CardNot disclosed
Sources
- Official sources
- Gnosis Pay17Decaf Card21
- Last reviewed
- Gnosis PaySep 6, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Gnosis Pay or Decaf
Applying or migrating
Gnosis Pay is winding down and is excluded from new-card recommendations. Existing EUR users can review the Rebind migration; eligibility for a new account is a separate check.
Spending in foreign currencies
For FX on foreign-currency purchases, Gnosis Pay lists 0%, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Sending money to a bank
For bank payouts, Gnosis Pay has reviewed routes in EURe; Decaf has routes in ARS, BRL, COP, EUR and other currencies. Choose the route for your destination currency and check its country coverage and fee.
Common questions
Gnosis Pay vs Decaf FAQ
Is Gnosis Pay or Decaf 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 Decaf?
Gnosis Pay has the lower published FX fee (0% vs 1–2%). 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 Decaf?
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 Decaf differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Gnosis Pay vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 38 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.