Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs ether.fi Cash: overall score versus use-case fit
ether.fi Cash Card has the higher Overall Score by 10 points (87 vs 77). Gnosis Pay looks stronger for Travel and Lowest fees, while ether.fi Cash Card comes out ahead for Cashback, Funds control, and Transfers.
Information checked Aug 25, 202636 official sources reviewed
01 · Overall score versus use-case fit
ether.fi Cash Card is the better all-round starting point
ether.fi Cash Card has the higher Overall Score in this comparison. Gnosis Pay may be the better fit for Travel and Lowest fees. 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 Pay77ether.fi Cash87Higher score
CashbackGnosis Pay22ether.fi Cash86Higher score
TravelGnosis Pay100ether.fi Cash84Higher score
Funds controlGnosis Pay89ether.fi Cash96Higher score
Lowest feesGnosis Pay87ether.fi Cash69Higher score
TransfersGnosis Pay91ether.fi Cash97Higher score
Choose Gnosis Pay if travel and lowest fees matter most
Gnosis Pay comes out ahead for Travel and Lowest fees 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 ether.fi Cash Card if cashback and funds control matter most
ether.fi Cash Card comes out ahead for Cashback, Funds control, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Card spend plus cash-account rails
- Liquid USD can stay spendable
- Tiers make perks easier to compare
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 Pay77ether.fi Cash87
ether.fi Cash Card has the higher Overall Score by 10 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXether.fi Cash$0 plan · 0–0.2% FX
Gnosis Pay has the lower published FX fee (0% vs 0–0.2%).
- Purchase rewards
- Gnosis Pay0% base · up to 5%ether.fi Cash3% cashback
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 Cash6 stablecoins · Stablecoin transfers; EUR SEPA payout, USD ACH / FedWire payout
ether.fi Cash Card lists more stablecoins and ways to send money out (9 vs 4).
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
- 3%
- Plan cost
- $0
- FX fee
- 0–0.2%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 19 crypto · 2 fiat
- Payout methods
- 5 crypto · 2 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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 PayOverall77ether.fi Cash CardOverall87
Gnosis PayOverall77ether.fi Cash CardOverall87Scores
6 fields- Overall Score
- Gnosis Pay77ether.fi Cash Card87
- Cashback score
- Gnosis Pay22ether.fi Cash Card86
- Travel score
- Gnosis Pay100ether.fi Cash Card84
- Funds control score
- Gnosis Pay89ether.fi Cash Card96
- Lowest fees score
- Gnosis Pay87ether.fi Cash Card69
- Transfers score
- Gnosis Pay91ether.fi Cash Card97
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 PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesether.fi Cash CardVault returns depend on the selected strategy, Credit setup is more complex than a prepaid card
Costs
7 fields- Plan cost
- Gnosis Pay$0ether.fi Cash Card$0
- FX fee
- Gnosis Pay0%ether.fi Cash Card0–0.2%
- 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 Card2%
- Virtual card
- Gnosis PayFree; available after the card application is acceptedether.fi Cash CardUp to 50 free virtual cards by tier
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeether.fi Cash CardCore: $50 including card and shipping; Luxe, Pinnacle and VIP include at least one free physical card
Plans
2 fields- Available plans
- Gnosis PayNot disclosedether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIP
- Top cashback plan
- Gnosis PayNot disclosedether.fi Cash CardCore: 3%
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 CardCore $30,000/day; Luxe $50,000/day; Pinnacle $100,000/day
- 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 Card$250/withdrawal; $750/day
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis Chainether.fi Cash CardOptimism
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, eUSD, LiquidBTC +9
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANether.fi Cash CardUSD ACH / FedWire receive, EUR SEPA receive
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundether.fi Cash CardStablecoin transfers; EUR SEPA payout, USD ACH / FedWire payout
- Payout currencies
- Gnosis PayEUReether.fi Cash CardEUR, USD
Rewards
3 fields- Base cashback
- Gnosis Pay0%ether.fi Cash Card3%
- Max cashback
- Gnosis Pay5%ether.fi Cash Card3%
- Reward currency
- Gnosis PayGNO cashbackether.fi Cash CardUSD cashback paid in USDC
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredether.fi Cash CardUp to 5.02% 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 Card19
- Last reviewed
- Gnosis PayAug 6, 2026ether.fi Cash CardAug 25, 2026
04 · The trade-off
ether.fi Cash Card is the stronger all-round choice
ether.fi Cash Card finishes ahead with an Overall Score of 87 versus 77 for Gnosis Pay. Gnosis Pay has the lower published FX fee (0% vs 0–0.2%). ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
Gnosis Pay still comes out ahead for Travel and Lowest fees, 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 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.
ether.fi Cash Card lists more stablecoins and ways to send money out (9 vs 4). 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 ether.fi Cash Card reviews first.
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?
ether.fi Cash Card has the higher Overall Score (87 vs 77). 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 ether.fi Cash?
Gnosis Pay has the lower published FX fee (0% vs 0–0.2%). 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 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 August 25, 2026, using 36 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.