Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Exa: 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 Sep 6, 202648 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 Pay77Exa67Higher score
CashbackGnosis Pay22Exa19Compare the details below
TravelGnosis Pay100Exa62Compare the details below
Funds controlGnosis Pay90Exa88Compare the details below
Lowest feesGnosis Pay87Exa68Compare the details below
TransfersGnosis Pay91Exa97Compare 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 Exa Card if its day-to-day setup suits you
Exa 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.
- Deposited assets can earn yield
- Spend balance or borrow USDC
- Self-custody on Exactly Protocol
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Gnosis Pay77Exa67
Gnosis Pay has the higher Overall Score by 10 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
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
67
- 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
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 PayOverall77Exa CardOverall67
Gnosis PayOverall77Exa CardOverall67Scores
6 fields- Overall Score
- Gnosis Pay77Exa Card67
- Cashback score
- Gnosis Pay22Exa Card19
- Travel score
- Gnosis Pay100Exa Card62
- Funds control score
- Gnosis Pay90Exa Card88
- Lowest fees score
- Gnosis Pay87Exa Card68
- 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 PayConsumer card being discontinued; GNO cashback ends September 30, 2026Exa 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 PaySep 6, 2026Exa CardSep 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
Exa Card
05 · Common questions
Gnosis Pay vs Exa FAQ
Is Gnosis Pay or Exa 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 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 September 6, 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.