Gnosis PayGnosis Pay
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Side-by-side card comparison
Gnosis Pay vs ether.fi Cash: 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, 202654 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 Pay77ether.fi Cash86Higher score
CashbackGnosis Pay22ether.fi Cash84Compare the details below
TravelGnosis Pay100ether.fi Cash82Compare the details below
Funds controlGnosis Pay90ether.fi Cash96Compare the details below
Lowest feesGnosis Pay87ether.fi Cash65Compare the details below
TransfersGnosis Pay91ether.fi Cash100Compare 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 ether.fi Cash Card if its day-to-day setup suits you
ether.fi Cash 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.
- Card spend plus cash-account rails
- Liquid USD can stay spendable
- Tiers make perks easier to compare
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Gnosis Pay77ether.fi Cash86
ether.fi Cash Card has the higher Overall Score by 9 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXether.fi Cash$0 plan · 0–0.5% FX
Gnosis Pay has the lower published FX fee (0% vs 0–0.5%).
- Purchase rewards
- Gnosis Pay0% base · up to 5%ether.fi Cash3% base · up to 4%
ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
- Funds control
- Gnosis PaySelf-controlled walletether.fi CashNon-custodial account
Gnosis Pay uses a self-controlled wallet setup, while ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Gnosis PayVirtual + Physical · Apple Pay, Google Payether.fi CashVirtual + 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 outboundether.fi Cash5 stablecoins · Stablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2
ether.fi Cash Card lists more stablecoins and ways to send money out (12 vs 4).
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
- 3%-4%
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 18 crypto · 14 fiat
- Payout methods
- 5 crypto · 30 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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 PayOverall77ether.fi Cash CardOverall86
Gnosis PayOverall77ether.fi Cash CardOverall86Scores
6 fields- Overall Score
- Gnosis Pay77ether.fi Cash Card86
- Cashback score
- Gnosis Pay22ether.fi Cash Card84
- Travel score
- Gnosis Pay100ether.fi Cash Card82
- Funds control score
- Gnosis Pay90ether.fi Cash Card96
- Lowest fees score
- Gnosis Pay87ether.fi Cash Card65
- Transfers score
- Gnosis Pay91ether.fi Cash Card100
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendable
- Trade-offs
- Gnosis PayConsumer card being discontinued; GNO cashback ends September 30, 2026ether.fi Cash CardVault returns depend on the selected strategy, Borrowing accrues interest immediately
Costs
7 fields- Plan cost
- Gnosis Pay$0ether.fi Cash Card$0
- FX fee
- Gnosis Pay0%ether.fi Cash Card0–0.5%
- Top-up fee
- Gnosis Pay0%ether.fi Cash CardNot disclosed
- Card spending fee
- Gnosis Pay0%ether.fi Cash CardNot disclosed
- ATM fee
- Gnosis Pay0–2%ether.fi Cash CardNot disclosed
- Virtual card
- Gnosis PayFree; available after the card application is acceptedether.fi Cash CardFirst virtual card normally $0; $10 for AR, AO, BD, BO, CO, EC, ID, MY, MX, NG, PE, PH, ZA and TH under the dedicated fee article. Check the displayed price before order.
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeether.fi Cash CardComparison page: Core $60 including shipping; one free physical card on higher tiers. Help pages describe additional-card fees and different included quantities. Confirm the order quote.
Plans
2 fields- Available plans
- Gnosis PayNot disclosedether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIP
- Top cashback plan
- Gnosis PayNot disclosedether.fi Cash CardVIP: 4%
Everyday use
8 fields- Network
- Gnosis PayVisaether.fi Cash CardVisa
- Card formats
- Gnosis PayVirtual, Physicalether.fi Cash CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableether.fi Cash CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google Payether.fi Cash CardApple Pay, Google Pay
- Apps
- Gnosis PayWebether.fi Cash CardiOS, Android, Web
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionether.fi Cash CardEditable defaults: $5,000/day per card; Vault $10,000/day and $10,000/month. Current tier maximum is unconfirmed; the first applicable card, Vault or MCC limit applies.
- Monthly spending limit
- Gnosis PayNot disclosedether.fi Cash CardMonthly limit shown in app; cashback caps vary by plan
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayether.fi Cash CardCore/Luxe/Pinnacle: $1,000 per withdrawal, up to 5 withdrawals and $5,000 per rolling 24 hours. VIP numeric ceiling is unconfirmed.
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis Chainether.fi Cash CardOptimism, Ethereum, Arbitrum, Base, HyperEVM, BNB Smart Chain +10
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, LiquidBTC, LiquidETH +8
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANether.fi Cash CardUSD ACH, USD Fedwire, EUR SEPA, USD SWIFT +10
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundether.fi Cash CardStablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2
- Payout currencies
- Gnosis PayEUReether.fi Cash CardUSD, EUR, GBP, AED, AUD, BRL, CAD, CHF +22
Rewards
3 fields- Base cashback
- Gnosis Pay0%ether.fi Cash Card3%
- Max cashback
- Gnosis Pay5%ether.fi Cash Card4%
- Reward currency
- Gnosis PayGNO cashbackether.fi Cash CardETHFI token cashback
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredether.fi Cash CardUp to 5.47% APY
- How it works
- Gnosis PayNot offeredether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vault
- Separate deposit
- Gnosis PayNot offeredether.fi Cash CardNot disclosed
- Use balance for spending
- Gnosis PayNot offeredether.fi Cash CardNot disclosed
- Lock-up
- Gnosis PayNot offeredether.fi Cash CardNot disclosed
Trust & availability
9 fields- Custody
- Gnosis PaySelf-custodyether.fi Cash CardNon-custodial
- Control until payment
- Gnosis PayYou keep controlether.fi Cash CardYou keep control
- Card issuer
- Gnosis PayMonavateether.fi Cash CardThird National
- Card processing
- Gnosis PayPaymentologyether.fi Cash CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}ether.fi Cash CardNot disclosed
- Deposits & withdrawals
- Gnosis PayNot disclosedether.fi Cash CardSEPA third-party provider
- Bank transfers
- Gnosis PayMoneriumether.fi Cash CardNot disclosed
- Identity verification
- Gnosis PaySumsubether.fi Cash CardNot disclosed
- Programme operator
- Gnosis PayGnosis Payether.fi Cash Cardether.fi, Ether.Fi SEZC
Sources
2 fields- Official sources
- Gnosis Pay17ether.fi Cash Card37
- Last reviewed
- Gnosis PaySep 6, 2026ether.fi Cash 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
ether.fi Cash Card
05 · Common questions
Gnosis Pay vs ether.fi Cash FAQ
Is Gnosis Pay or ether.fi Cash 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 ether.fi Cash?
Gnosis Pay has the lower published FX fee (0% vs 0–0.5%). 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 ether.fi Cash?
ether.fi Cash Card has the higher published base cashback rate (3% 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 ether.fi Cash differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while ether.fi Cash 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 ether.fi Cash comparison?
The latest information check for these two cards was October 6, 2026, using 54 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.