Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Holyheld: 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 9, 202645 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 Pay77Holyheld75Higher score
CashbackGnosis Pay22Holyheld64Compare the details below
TravelGnosis Pay100Holyheld68Compare the details below
Funds controlGnosis Pay90Holyheld74Compare the details below
Lowest feesGnosis Pay87Holyheld67Compare the details below
TransfersGnosis Pay91Holyheld81Compare 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 Holyheld Card if its day-to-day setup suits you
Holyheld 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.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- 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
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
- 0.5%-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
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 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 Pay90Holyheld 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 PayConsumer card being discontinued; GNO cashback ends September 30, 2026Holyheld 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 PaySep 6, 2026Holyheld CardSep 9, 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
Holyheld Card
05 · Common questions
Gnosis Pay vs Holyheld FAQ
Is Gnosis Pay or Holyheld 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 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 September 9, 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.