Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Ethena Pay: 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 Oct 6, 202630 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 Pay77Ethena Pay87Higher score
CashbackGnosis Pay22Ethena Pay89Compare the details below
TravelGnosis Pay100Ethena Pay68Compare the details below
Funds controlGnosis Pay90Ethena Pay86Compare the details below
Lowest feesGnosis Pay87Ethena Pay87Compare the details below
TransfersGnosis Pay91Ethena Pay82Compare 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 Ethena Pay Card if its day-to-day setup suits you
Ethena Pay 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.
- Strong Standard cashback bands
- No Standard monthly fee or FX markup
- Collateral stays in linked 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 Pay77Ethena Pay87
Ethena Pay Card has the higher Overall Score by 10 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXEthena Pay$0 plan · 0–1% FX
Gnosis Pay has the lower published FX fee (0% vs 0–1%).
- Purchase rewards
- Gnosis Pay0% base · up to 5%Ethena Pay4% base · up to 5%
Ethena Pay Card has the higher published base cashback rate (4% vs 0%).
- Funds control
- Gnosis PaySelf-controlled walletEthena PayHybrid custody
Gnosis Pay uses a self-controlled wallet setup, while Ethena Pay Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Gnosis PayVirtual + Physical · Apple Pay, Google PayEthena PayVirtual · Apple Pay
Gnosis Pay lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Gnosis Pay3 stablecoins · Stablecoin transfers; IBAN outboundEthena Pay1 stablecoin · Stablecoin transfers; Ethena Pay user transfer; Bank withdrawal
Both cards list the same number of stablecoins and ways to send money out.
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- 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
- 4%-5%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- $1 + 0.65% where ATM access is available; separate operator surcharge may apply
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 1 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 PayOverall77Ethena Pay CardOverall87
Gnosis PayOverall77Ethena Pay CardOverall87Scores
6 fields- Overall Score
- Gnosis Pay77Ethena Pay Card87
- Cashback score
- Gnosis Pay22Ethena Pay Card89
- Travel score
- Gnosis Pay100Ethena Pay Card68
- Funds control score
- Gnosis Pay90Ethena Pay Card86
- Lowest fees score
- Gnosis Pay87Ethena Pay Card87
- Transfers score
- Gnosis Pay91Ethena Pay Card82
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersEthena Pay CardStrong Standard cashback bands, No Standard monthly fee or FX markup
- Trade-offs
- Gnosis PayConsumer card being discontinued; GNO cashback ends September 30, 2026Ethena Pay CardCard access is still application-gated, One-day payment grace adds liquidation risk
Costs
7 fields- Plan cost
- Gnosis Pay$0Ethena Pay Card$0
- FX fee
- Gnosis Pay0%Ethena Pay Card0–1%
- Top-up fee
- Gnosis Pay0%Ethena Pay CardProvider collateral-funding fee unknown; external network gas is separate
- Card spending fee
- Gnosis Pay0%Ethena Pay Card0%
- ATM fee
- Gnosis Pay0–2%Ethena Pay Card$1 + 0.65% where ATM access is available; separate operator surcharge may apply
- Virtual card
- Gnosis PayFree; available after the card application is acceptedEthena Pay CardUSD 0
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeEthena Pay CardNot disclosed
Plans
2 fields- Available plans
- Gnosis PayNot disclosedEthena Pay Card3 plans: Standard, Pro, VIP
- Top cashback plan
- Gnosis PayNot disclosedEthena Pay CardVIP: 5%
Everyday use
8 fields- Network
- Gnosis PayVisaEthena Pay CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalEthena Pay CardVirtual
- ATM withdrawals
- Gnosis PayAvailableEthena Pay CardNot disclosed
- Mobile wallets
- Gnosis PayApple Pay, Google PayEthena Pay CardApple Pay
- Apps
- Gnosis PayWebEthena Pay CardiOS, Web
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionEthena Pay CardDynamic, based on collateral market value
- Monthly spending limit
- Gnosis PayNot disclosedEthena Pay CardDynamic, based on collateral market value
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayEthena Pay CardNot available
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainEthena Pay CardEthereum, Polygon, Optimism, Arbitrum
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeEthena Pay CardNot disclosed
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANEthena Pay CardNot disclosed
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundEthena Pay CardStablecoin transfers; Ethena Pay user transfer; Bank withdrawal
- Payout currencies
- Gnosis PayEUReEthena Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Gnosis Pay0%Ethena Pay Card4%
- Max cashback
- Gnosis Pay5%Ethena Pay Card5%
- Reward currency
- Gnosis PayGNO cashbackEthena Pay CardAVAX
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredEthena Pay CardUp to 6% APY
- How it works
- Gnosis PayNot offeredEthena Pay CardEarn on spending balance
- Separate deposit
- Gnosis PayNot offeredEthena Pay CardNo
- Use balance for spending
- Gnosis PayNot offeredEthena Pay CardYes
- Lock-up
- Gnosis PayNot offeredEthena Pay CardNo
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyEthena Pay CardHybrid custody
- Control until payment
- Gnosis PayYou keep controlEthena Pay CardYou keep control
- Card issuer
- Gnosis PayMonavateEthena Pay CardThird National
- Card processing
- Gnosis PayPaymentologyEthena Pay CardSignify Holdings, Inc. d/b/a Rain
- Custody / key management
- Gnosis PaySafe{Wallet}Ethena Pay CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumEthena Pay CardNot disclosed
- Identity verification
- Gnosis PaySumsubEthena Pay CardSumsub
- Programme operator
- Gnosis PayGnosis PayEthena Pay CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Ethena Pay Card13
- Last reviewed
- Gnosis PaySep 6, 2026Ethena Pay CardOct 6, 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
Ethena Pay Card
05 · Common questions
Gnosis Pay vs Ethena Pay FAQ
Is Gnosis Pay or Ethena Pay 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 Ethena Pay?
Gnosis Pay has the lower published FX fee (0% vs 0–1%). 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 Ethena Pay?
Ethena Pay Card has the higher published base cashback rate (4% 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 Ethena Pay differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Ethena Pay Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Gnosis Pay vs Ethena Pay comparison?
The latest information check for these two cards was October 6, 2026, using 30 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.