Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Karta Personal: 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, 202642 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 Pay77Karta Personal62Higher score
CashbackGnosis Pay22Karta Personal15Compare the details below
TravelGnosis Pay100Karta Personal47Compare the details below
Funds controlGnosis Pay90Karta Personal92Compare the details below
Lowest feesGnosis Pay87Karta Personal55Compare the details below
TransfersGnosis Pay91Karta Personal91Compare 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 Karta Personal Card if its day-to-day setup suits you
Karta Personal 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.
- USDT and USDC deposits across multiple networks
- Apple Pay, Google Pay and contactless ATM access
- Live multi-network crypto payouts
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Gnosis Pay77Karta Personal62
Gnosis Pay has the higher Overall Score by 15 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXKarta Personal$0 plan · 1–3% FX
Gnosis Pay has the lower published FX fee (0% vs 1–3%).
- Purchase rewards
- Gnosis Pay0% base · up to 5%Karta Personal0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- Gnosis PaySelf-controlled walletKarta PersonalSelf-controlled wallet
Gnosis Pay and Karta Personal Card use the same self-controlled wallet setup.
- Everyday access
- Gnosis PayVirtual + Physical · Apple Pay, Google PayKarta PersonalVirtual · 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 outboundKarta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payout
Karta Personal Card lists more stablecoins and ways to send money out (6 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
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- USD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 7 fiat
- Payout methods
- 5 crypto · 0 fiat
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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 PayOverall77Karta Personal CardOverall62
Gnosis PayOverall77Karta Personal CardOverall62Scores
6 fields- Overall Score
- Gnosis Pay77Karta Personal Card62
- Cashback score
- Gnosis Pay22Karta Personal Card15
- Travel score
- Gnosis Pay100Karta Personal Card47
- Funds control score
- Gnosis Pay90Karta Personal Card92
- Lowest fees score
- Gnosis Pay87Karta Personal Card55
- Transfers score
- Gnosis Pay91Karta Personal Card91
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersKarta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM access
- Trade-offs
- Gnosis PayConsumer card being discontinued; GNO cashback ends September 30, 2026Karta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surface
Costs
7 fields- Plan cost
- Gnosis Pay$0Karta Personal Card$0
- FX fee
- Gnosis Pay0%Karta Personal Card1–3%
- Top-up fee
- Gnosis Pay0%Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20
- Card spending fee
- Gnosis Pay0%Karta Personal Card1.5%
- ATM fee
- Gnosis Pay0–2%Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Virtual card
- Gnosis PayFree; available after the card application is acceptedKarta Personal Card5 USDT one-time
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeKarta Personal Card99 USDT plastic / 299 USDT Metal LED preorder
Plans
2 fields- Available plans
- Gnosis PayNot disclosedKarta Personal CardNot disclosed
- Top cashback plan
- Gnosis PayNot disclosedKarta Personal CardNot disclosed
Everyday use
8 fields- Network
- Gnosis PayVisaKarta Personal CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalKarta Personal CardVirtual
- ATM withdrawals
- Gnosis PayAvailableKarta Personal CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayKarta Personal CardApple Pay, Google Pay
- Apps
- Gnosis PayWebKarta Personal CardNo app listed
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionKarta Personal Card$25,000 per transaction; no universal daily amount published
- Monthly spending limit
- Gnosis PayNot disclosedKarta Personal CardNot publicly disclosed; limits are dynamic
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayKarta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24h
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainKarta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeKarta Personal CardStablecoins: USDT, USDC
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANKarta Personal CardUSD ACH, USD SWIFT, USD Domestic wire, EUR SEPA +3
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundKarta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payout
- Payout currencies
- Gnosis PayEUReKarta Personal CardNot disclosed
Rewards
3 fields- Base cashback
- Gnosis Pay0%Karta Personal Card0%
- Max cashback
- Gnosis Pay5%Karta Personal Card0%
- Reward currency
- Gnosis PayGNO cashbackKarta Personal CardNo cashback
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredKarta Personal CardNot offered
- How it works
- Gnosis PayNot offeredKarta Personal CardNot offered
- Separate deposit
- Gnosis PayNot offeredKarta Personal CardNot offered
- Use balance for spending
- Gnosis PayNot offeredKarta Personal CardNot offered
- Lock-up
- Gnosis PayNot offeredKarta Personal CardNot offered
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyKarta Personal CardSelf-custody
- Control until payment
- Gnosis PayYou keep controlKarta Personal CardYou keep control
- Card issuer
- Gnosis PayMonavateKarta Personal CardNimbus LLC d/b/a Third National
- Card processing
- Gnosis PayPaymentologyKarta Personal CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}Karta Personal CardPrivy
- Bank transfers
- Gnosis PayMoneriumKarta Personal CardNot disclosed
- Identity verification
- Gnosis PaySumsubKarta Personal CardSumsub
- Programme operator
- Gnosis PayGnosis PayKarta Personal CardKarta Finance, Inc.
Sources
2 fields- Official sources
- Gnosis Pay17Karta Personal Card25
- Last reviewed
- Gnosis PaySep 6, 2026Karta Personal CardSep 5, 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
Karta Personal Card
05 · Common questions
Gnosis Pay vs Karta Personal FAQ
Is Gnosis Pay or Karta Personal 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 Karta Personal?
Gnosis Pay has the lower published FX fee (0% vs 1–3%). 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 Karta Personal?
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 Karta Personal differ on custody?
Gnosis Pay and Karta Personal Card use the same self-controlled wallet setup.
How current is this Gnosis Pay vs Karta Personal comparison?
The latest information check for these two cards was September 6, 2026, using 42 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.