Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Karta Personal: overall score versus use-case fit
Gnosis Pay has the higher Overall Score by 16 points (77 vs 61). Gnosis Pay looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Karta Personal Card comes out ahead for Funds control.
Information checked Aug 11, 202642 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. Karta Personal Card may be the better fit for Funds control. 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 Pay77Karta Personal61Higher score
CashbackGnosis Pay22Karta Personal14Higher score
TravelGnosis Pay100Karta Personal46Higher score
Funds controlGnosis Pay89Karta Personal92Higher score
Lowest feesGnosis Pay87Karta Personal53Higher score
TransfersGnosis Pay91Karta Personal90Higher score
Choose Gnosis Pay if cashback and travel matter most
Gnosis Pay comes out ahead for Cashback, Travel, 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 Karta Personal Card if funds control matters most
Karta Personal Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- USDT and USDC deposits across multiple networks
- Apple Pay, Google Pay and contactless ATM access
- Live multi-network crypto payouts
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 Pay77Karta Personal61
Gnosis Pay has the higher Overall Score by 16 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
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%
- 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 · 1 fiat
- Payout methods
- 5 crypto · 0 fiat
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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 PayOverall77Karta Personal CardOverall61
Gnosis PayOverall77Karta Personal CardOverall61Scores
6 fields- Overall Score
- Gnosis Pay77Karta Personal Card61
- Cashback score
- Gnosis Pay22Karta Personal Card14
- Travel score
- Gnosis Pay100Karta Personal Card46
- Funds control score
- Gnosis Pay89Karta Personal Card92
- Lowest fees score
- Gnosis Pay87Karta Personal Card53
- Transfers score
- Gnosis Pay91Karta Personal Card90
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 PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesKarta 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 CardBank deposits
- 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 PayAug 6, 2026Karta Personal CardAug 11, 2026
04 · The trade-off
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 61 for Karta Personal Card. Gnosis Pay has the lower published FX fee (0% vs 1–3%). Both cards show the same base cashback rate of 0%.
Karta Personal Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. Gnosis Pay and Karta Personal Card use the same self-controlled wallet setup.
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 4). 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 Karta Personal Card reviews first.
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 has the higher Overall Score (77 vs 61). 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 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 August 11, 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.