Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Exa: overall score versus use-case fit
Gnosis Pay has the higher Overall Score by 11 points (77 vs 66). Gnosis Pay looks stronger for Cashback, Travel, Funds control, and Lowest fees, while Exa Card comes out ahead for Transfers.
Information checked Aug 23, 202648 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. Exa Card may be the better fit for Transfers. 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 Pay77Exa66Higher score
CashbackGnosis Pay22Exa19Higher score
TravelGnosis Pay100Exa61Higher score
Funds controlGnosis Pay89Exa88Higher score
Lowest feesGnosis Pay87Exa67Higher score
TransfersGnosis Pay91Exa97Higher score
Choose Gnosis Pay if cashback and travel matter most
Gnosis Pay comes out ahead for Cashback, Travel, Funds control, 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 Exa Card if transfers matters most
Exa Card comes out ahead for Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Deposited assets can earn yield
- Spend balance or borrow USDC
- Self-custody on Exactly Protocol
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 Pay77Exa66
Gnosis Pay has the higher Overall Score by 11 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXExa$0 plan · 1.5% FX
Gnosis Pay has the lower published FX fee (0% vs 1.5%).
- Purchase rewards
- Gnosis Pay0% base · up to 5%Exa0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- Gnosis PaySelf-controlled walletExaSelf-controlled wallet
Gnosis Pay and Exa Card use the same self-controlled wallet setup.
- Everyday access
- Gnosis PayVirtual + Physical · Apple Pay, Google PayExaVirtual · Apple Pay, Google Pay
Gnosis Pay lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Gnosis Pay3 stablecoins · Stablecoin transfers; IBAN outboundExa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
Exa Card lists more stablecoins and ways to send money out (5 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
66
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.5%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 4 fiat
- Payout methods
- 1 crypto · 2 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 PayOverall77Exa CardOverall66
Gnosis PayOverall77Exa CardOverall66Scores
6 fields- Overall Score
- Gnosis Pay77Exa Card66
- Cashback score
- Gnosis Pay22Exa Card19
- Travel score
- Gnosis Pay100Exa Card61
- Funds control score
- Gnosis Pay89Exa Card88
- Lowest fees score
- Gnosis Pay87Exa Card67
- Transfers score
- Gnosis Pay91Exa Card97
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersExa CardDeposited assets can earn yield, Spend balance or borrow USDC
- Trade-offs
- Gnosis PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesExa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacy
Costs
7 fields- Plan cost
- Gnosis Pay$0Exa Card$0
- FX fee
- Gnosis Pay0%Exa Card1.5%
- Top-up fee
- Gnosis Pay0%Exa Card1%
- Card spending fee
- Gnosis Pay0%Exa CardNot disclosed
- ATM fee
- Gnosis Pay0–2%Exa Card$1 + 0.65%
- Virtual card
- Gnosis PayFree; available after the card application is acceptedExa CardFree with Exa Wallet
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeExa CardNot available
Plans
2 fields- Available plans
- Gnosis PayNot disclosedExa CardNot disclosed
- Top cashback plan
- Gnosis PayNot disclosedExa CardNot disclosed
Everyday use
8 fields- Network
- Gnosis PayVisaExa CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalExa CardVirtual
- ATM withdrawals
- Gnosis PayAvailableExa CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayExa CardApple Pay, Google Pay
- Apps
- Gnosis PayWebExa CardiOS, Android, Web
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionExa CardDynamic / collateral-based; exact Exa App limit shown in app
- Monthly spending limit
- Gnosis PayNot disclosedExa CardDynamic / collateral-based; exact Exa App limit shown in app
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayExa Card$250/withdrawal; $1000/day
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainExa CardOptimism
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeExa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETH
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANExa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency deposit
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundExa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
- Payout currencies
- Gnosis PayEUReExa CardUSD, EUR
Rewards
3 fields- Base cashback
- Gnosis Pay0%Exa Card0%
- Max cashback
- Gnosis Pay5%Exa Card0%
- Reward currency
- Gnosis PayGNO cashbackExa CardNo cashback
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredExa CardUp to 0.99776% APY
- How it works
- Gnosis PayNot offeredExa CardEarn on spending balance, Borrow against collateral
- Separate deposit
- Gnosis PayNot offeredExa CardNo
- Use balance for spending
- Gnosis PayNot offeredExa CardYes
- Lock-up
- Gnosis PayNot offeredExa CardNo
Trust & availability
9 fields- Custody
- Gnosis PaySelf-custodyExa CardSelf-custody
- Control until payment
- Gnosis PayYou keep controlExa CardYou keep control
- Card issuer
- Gnosis PayMonavateExa CardThird National Bank, Third National
- Card processing
- Gnosis PayPaymentologyExa CardExa Labs SAS
- Custody / key management
- Gnosis PaySafe{Wallet}Exa CardNot disclosed
- Deposits & withdrawals
- Gnosis PayNot disclosedExa CardBridge, Manteca
- Bank transfers
- Gnosis PayMoneriumExa CardNot disclosed
- Identity verification
- Gnosis PaySumsubExa CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayExa CardExa Labs SAS
Sources
2 fields- Official sources
- Gnosis Pay17Exa Card31
- Last reviewed
- Gnosis PayAug 6, 2026Exa CardAug 23, 2026
04 · The trade-off
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 66 for Exa Card. Gnosis Pay has the lower published FX fee (0% vs 1.5%). Both cards show the same base cashback rate of 0%.
Exa Card still comes out ahead for Transfers, which may matter more than the overall result if that is how you plan to use the card. Gnosis Pay and Exa Card use the same self-controlled wallet setup.
Exa Card lists more stablecoins and ways to send money out (5 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 Exa Card reviews first.
Continue with
Gnosis Pay
Continue with
Exa Card
05 · Common questions
Gnosis Pay vs Exa FAQ
Is Gnosis Pay or Exa better overall?
Gnosis Pay has the higher Overall Score (77 vs 66). 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 Exa?
Gnosis Pay has the lower published FX fee (0% vs 1.5%). 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 Exa?
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 Exa differ on custody?
Gnosis Pay and Exa Card use the same self-controlled wallet setup.
How current is this Gnosis Pay vs Exa comparison?
The latest information check for these two cards was August 23, 2026, using 48 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.