Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Holyheld: overall score versus use-case fit
Gnosis Pay has the higher Overall Score by 2 points (77 vs 75). Gnosis Pay looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Holyheld Card comes out ahead for Cashback.
Information checked Aug 12, 202645 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. Holyheld Card may be the better fit for Cashback. 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 Pay77Holyheld75Higher score
CashbackGnosis Pay22Holyheld64Higher score
TravelGnosis Pay100Holyheld68Higher score
Funds controlGnosis Pay89Holyheld74Higher score
Lowest feesGnosis Pay87Holyheld67Higher score
TransfersGnosis Pay91Holyheld81Higher score
Choose Gnosis Pay if travel and funds control matter most
Gnosis Pay comes out ahead for Travel, Funds control, Lowest fees, and Transfers 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 Holyheld Card if cashback matters most
Holyheld Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
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 Pay77Holyheld75
Gnosis Pay has the higher Overall Score by 2 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXHolyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FX
Gnosis Pay has the lower published FX fee (0% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Gnosis Pay0% base · up to 5%Holyheld0.5% base · up to 1%
Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- Gnosis PaySelf-controlled walletHolyheldHybrid custody
Gnosis Pay uses a self-controlled wallet setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Gnosis PayVirtual + Physical · Apple Pay, Google PayHolyheldVirtual + 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 outboundHolyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transfer
Both cards list the same number of stablecoins and ways to send money out.
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
- 0.5%-1%
- Plan cost
- $0
- FX fee
- Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- ATM fee
- Up to EUR 2 + 2.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 3 crypto · 1 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 PayOverall77Holyheld CardOverall75
Gnosis PayOverall77Holyheld CardOverall75Scores
6 fields- Overall Score
- Gnosis Pay77Holyheld Card75
- Cashback score
- Gnosis Pay22Holyheld Card64
- Travel score
- Gnosis Pay100Holyheld Card68
- Funds control score
- Gnosis Pay89Holyheld Card74
- Lowest fees score
- Gnosis Pay87Holyheld Card67
- Transfers score
- Gnosis Pay91Holyheld Card81
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersHolyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal Mastercard
- Trade-offs
- Gnosis PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesHolyheld CardCountry eligibility is incomplete, Foreign spend can be expensive
Costs
7 fields- Plan cost
- Gnosis Pay$0Holyheld Card$0
- FX fee
- Gnosis Pay0%Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- Top-up fee
- Gnosis Pay0%Holyheld Card0%
- Card spending fee
- Gnosis Pay0%Holyheld Card€0.50
- ATM fee
- Gnosis Pay0–2%Holyheld CardUp to EUR 2 + 2.5%
- Virtual card
- Gnosis PayFree; available after the card application is acceptedHolyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual access
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeHolyheld CardClassic: EUR 29; Metal: EUR 199
Plans
2 fields- Available plans
- Gnosis PayNot disclosedHolyheld Card3 plans: Classic, Limited Edition, Metal
- Top cashback plan
- Gnosis PayNot disclosedHolyheld CardMetal: 1%
Everyday use
8 fields- Network
- Gnosis PayVisaHolyheld CardMastercard
- Card formats
- Gnosis PayVirtual, PhysicalHolyheld CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableHolyheld CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayHolyheld CardApple Pay, Google Pay
- Apps
- Gnosis PayWebHolyheld CardiOS, Android, Web
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionHolyheld CardEUR 10,000 daily
- Monthly spending limit
- Gnosis PayNot disclosedHolyheld CardEUR 25,000 monthly; EUR 250,000 annually
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayHolyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 days
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainHolyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeHolyheld CardStablecoins: USDC, USDT
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANHolyheld CardPersonal EUR IBAN
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundHolyheld CardStablecoin transfers; Outgoing SEPA transfer
- Payout currencies
- Gnosis PayEUReHolyheld CardEUR
Rewards
3 fields- Base cashback
- Gnosis Pay0%Holyheld Card0.5%
- Max cashback
- Gnosis Pay5%Holyheld Card1%
- Reward currency
- Gnosis PayGNO cashbackHolyheld CardUSDC
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredHolyheld CardNot disclosed
- How it works
- Gnosis PayNot offeredHolyheld CardOptional earn vault
- Separate deposit
- Gnosis PayNot offeredHolyheld CardYes
- Use balance for spending
- Gnosis PayNot offeredHolyheld CardNot disclosed
- Lock-up
- Gnosis PayNot offeredHolyheld CardNo
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyHolyheld CardHybrid custody
- Control until payment
- Gnosis PayYou keep controlHolyheld CardProvider controls funds
- Card issuer
- Gnosis PayMonavateHolyheld CardUnlimit EU Ltd
- Card processing
- Gnosis PayPaymentologyHolyheld CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}Holyheld CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumHolyheld CardNot disclosed
- Identity verification
- Gnosis PaySumsubHolyheld CardSumsub / Idenfy
- Programme operator
- Gnosis PayGnosis PayHolyheld CardHolyheld Labs AG
Sources
2 fields- Official sources
- Gnosis Pay17Holyheld Card28
- Last reviewed
- Gnosis PayAug 6, 2026Holyheld CardAug 12, 2026
04 · The trade-off
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 75 for Holyheld Card. Gnosis Pay has the lower published FX fee (0% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
Holyheld Card still comes out ahead for Cashback, 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 Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. 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 Holyheld Card reviews first.
Continue with
Gnosis Pay
Continue with
Holyheld Card
05 · Common questions
Gnosis Pay vs Holyheld FAQ
Is Gnosis Pay or Holyheld better overall?
Gnosis Pay has the higher Overall Score (77 vs 75). 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 Holyheld?
Gnosis Pay has the lower published FX fee (0% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). 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 Holyheld?
Holyheld Card has the higher published base cashback rate (0.5% 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 Holyheld differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Gnosis Pay vs Holyheld comparison?
The latest information check for these two cards was August 12, 2026, using 45 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.