Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Fold Debit: 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, 202646 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 Pay77Fold Debit72Higher score
CashbackGnosis Pay22Fold Debit44Compare the details below
TravelGnosis Pay100Fold Debit78Compare the details below
Funds controlGnosis Pay90Fold Debit59Compare the details below
Lowest feesGnosis Pay87Fold Debit71Compare the details below
TransfersGnosis Pay91Fold Debit77Compare 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 Fold Debit Card if its day-to-day setup suits you
Fold Debit 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.
- Several USD funding routes
- Physical card and phone wallets
- BTC rewards in the Reserve rollout
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Gnosis Pay77Fold Debit72
Gnosis Pay has the higher Overall Score by 5 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXFold Debit$0 plan · $3 fixed foreign-purchase fee; waived at $5,000 Reserve or under legacy Fold+; Visa conversion separate FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Gnosis Pay0% base · up to 5%Fold Debit0% base · up to 15%
Both cards show the same base cashback rate of 0%.
- Funds control
- Gnosis PaySelf-controlled walletFold DebitCustodial balance
Gnosis Pay uses a self-controlled wallet setup, while Fold Debit Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Gnosis PayVirtual + Physical · Apple Pay, Google PayFold DebitVirtual + 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 outboundFold Debit0 stablecoins · ACH withdrawal, Instant debit-card withdrawal, ATM withdrawal, ACH bill pay
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
- 0%-15%
- Plan cost
- $0
- FX fee
- $3 fixed foreign-purchase fee; waived at $5,000 Reserve or under legacy Fold+; Visa conversion separate
- ATM fee
- $3.50 Fold fee; waived at $5,000 Reserve or under legacy Fold+; operator fees separate
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 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 PayOverall77Fold Debit CardOverall72
Gnosis PayOverall77Fold Debit CardOverall72Scores
6 fields- Overall Score
- Gnosis Pay77Fold Debit Card72
- Cashback score
- Gnosis Pay22Fold Debit Card44
- Travel score
- Gnosis Pay100Fold Debit Card78
- Funds control score
- Gnosis Pay90Fold Debit Card59
- Lowest fees score
- Gnosis Pay87Fold Debit Card71
- Transfers score
- Gnosis Pay91Fold Debit Card77
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersFold Debit CardSeveral USD funding routes, Physical card and phone wallets
- Trade-offs
- Gnosis PayConsumer card being discontinued; GNO cashback ends September 30, 2026Fold Debit CardU.S.-only applications, Free-plan ATM and foreign fees
Costs
7 fields- Plan cost
- Gnosis Pay$0Fold Debit Card$0
- FX fee
- Gnosis Pay0%Fold Debit Card$3 fixed foreign-purchase fee; waived at $5,000 Reserve or under legacy Fold+; Visa conversion separate
- Top-up fee
- Gnosis Pay0%Fold Debit CardInstant debit funding costs 1.5%, capped at $25; ACH and direct-deposit routes are separate
- Card spending fee
- Gnosis Pay0%Fold Debit Card0%
- ATM fee
- Gnosis Pay0–2%Fold Debit Card$3.50 Fold fee; waived at $5,000 Reserve or under legacy Fold+; operator fees separate
- Virtual card
- Gnosis PayFree; available after the card application is acceptedFold Debit CardNot disclosed
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeFold Debit Card$0 card purchase fee
Plans
2 fields- Available plans
- Gnosis PayNot disclosedFold Debit Card9 plans: Fold (legacy), Fold+ (legacy), Reserve base, Reserve $5,000 +5
- Top cashback plan
- Gnosis PayNot disclosedFold Debit CardReserve $100,000: 3%
Everyday use
8 fields- Network
- Gnosis PayVisaFold Debit CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalFold Debit CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableFold Debit CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayFold Debit CardApple Pay, Google Pay
- Apps
- Gnosis PayWebFold Debit CardiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionFold Debit Card$15,000 per transaction and per day
- Monthly spending limit
- Gnosis PayNot disclosedFold Debit Card$50,000 per month
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayFold Debit Card$250 per withdrawal; $1,000 daily and monthly
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainFold Debit CardNot disclosed
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeFold Debit CardNot disclosed
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANFold Debit CardLinked-bank ACH, Direct deposit, Instant debit-card funding
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundFold Debit CardACH withdrawal, Instant debit-card withdrawal, ATM withdrawal, ACH bill pay
- Payout currencies
- Gnosis PayEUReFold Debit CardUSD, USD cash equivalent
Rewards
3 fields- Base cashback
- Gnosis Pay0%Fold Debit Card0%
- Max cashback
- Gnosis Pay5%Fold Debit Card15%
- Reward currency
- Gnosis PayGNO cashbackFold Debit CardBitcoin
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredFold Debit CardNot offered
- How it works
- Gnosis PayNot offeredFold Debit CardNot offered
- Separate deposit
- Gnosis PayNot offeredFold Debit CardNot offered
- Use balance for spending
- Gnosis PayNot offeredFold Debit CardNot offered
- Lock-up
- Gnosis PayNot offeredFold Debit CardNot offered
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyFold Debit CardCustodial
- Control until payment
- Gnosis PayYou keep controlFold Debit CardProvider controls funds
- Card issuer
- Gnosis PayMonavateFold Debit CardSutton Bank
- Card processing
- Gnosis PayPaymentologyFold Debit CardMarqeta, Inc.
- Custody / key management
- Gnosis PaySafe{Wallet}Fold Debit CardBitGo Bank and Trust, N.A. / BitGo Prime LLC
- Bank transfers
- Gnosis PayMoneriumFold Debit CardPlaid Inc., Astra, Inc.
- Identity verification
- Gnosis PaySumsubFold Debit CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayFold Debit CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Fold Debit Card29
- Last reviewed
- Gnosis PaySep 6, 2026Fold Debit 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
Fold Debit Card
05 · Common questions
Gnosis Pay vs Fold Debit FAQ
Is Gnosis Pay or Fold Debit 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 Fold Debit?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 Fold Debit?
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 Fold Debit differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Fold Debit Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Gnosis Pay vs Fold Debit comparison?
The latest information check for these two cards was October 6, 2026, using 46 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.