Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Kolo: 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, 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 Pay77Kolo73Higher score
CashbackGnosis Pay22Kolo54Compare the details below
TravelGnosis Pay100Kolo70Compare the details below
Funds controlGnosis Pay90Kolo56Compare the details below
Lowest feesGnosis Pay87Kolo83Compare the details below
TransfersGnosis Pay91Kolo92Compare 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 Kolo Card if its day-to-day setup suits you
Kolo 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.
- Free virtual Visa Platinum
- 2% BTC cashback for 30 days
- Several withdrawal routes
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Gnosis Pay77Kolo73
Gnosis Pay has the higher Overall Score by 4 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXKolo$0 plan · 1% FX
Gnosis Pay has the lower published FX fee (0% vs 1%).
- Purchase rewards
- Gnosis Pay0% base · up to 5%Kolo1% base · up to 2%
Kolo Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- Gnosis PaySelf-controlled walletKoloCustodial balance
Gnosis Pay uses a self-controlled wallet setup, while Kolo 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 PayKoloVirtual · 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 outboundKolo5 stablecoins · Stablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
Kolo Card lists more stablecoins and ways to send money out (10 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
- 1%-2%
- Plan cost
- $0
- FX fee
- 1%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 20 crypto · 0 fiat
- Payout methods
- 20 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 PayOverall77Kolo CardOverall73
Gnosis PayOverall77Kolo CardOverall73Scores
6 fields- Overall Score
- Gnosis Pay77Kolo Card73
- Cashback score
- Gnosis Pay22Kolo Card54
- Travel score
- Gnosis Pay100Kolo Card70
- Funds control score
- Gnosis Pay90Kolo Card56
- Lowest fees score
- Gnosis Pay87Kolo Card83
- Transfers score
- Gnosis Pay91Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- Gnosis PayConsumer card being discontinued; GNO cashback ends September 30, 2026Kolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- Gnosis Pay$0Kolo Card$0
- FX fee
- Gnosis Pay0%Kolo Card1%
- Top-up fee
- Gnosis Pay0%Kolo Card0%
- Card spending fee
- Gnosis Pay0%Kolo CardNot disclosed
- ATM fee
- Gnosis Pay0–2%Kolo Card$1 + 0.65%
- Virtual card
- Gnosis PayFree; available after the card application is acceptedKolo CardFree
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeKolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- Gnosis PayNot disclosedKolo CardNot disclosed
- Top cashback plan
- Gnosis PayNot disclosedKolo CardNot disclosed
Everyday use
8 fields- Network
- Gnosis PayVisaKolo CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalKolo CardVirtual
- ATM withdrawals
- Gnosis PayAvailableKolo CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayKolo CardApple Pay, Google Pay
- Apps
- Gnosis PayWebKolo CardiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionKolo Card$9,000/day
- Monthly spending limit
- Gnosis PayNot disclosedKolo Card$9,000/month
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayKolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainKolo CardNot disclosed
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeKolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANKolo CardNot disclosed
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- Gnosis PayEUReKolo CardEUR
Rewards
3 fields- Base cashback
- Gnosis Pay0%Kolo Card1%
- Max cashback
- Gnosis Pay5%Kolo Card2%
- Reward currency
- Gnosis PayGNO cashbackKolo CardBTC cashback
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredKolo CardNot offered
- How it works
- Gnosis PayNot offeredKolo CardNot offered
- Separate deposit
- Gnosis PayNot offeredKolo CardNot offered
- Use balance for spending
- Gnosis PayNot offeredKolo CardNot offered
- Lock-up
- Gnosis PayNot offeredKolo CardNot offered
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyKolo CardCustodial
- Control until payment
- Gnosis PayYou keep controlKolo CardProvider controls funds
- Card issuer
- Gnosis PayMonavateKolo CardBanco Popular de Puerto Rico, Wirex Limited
- Card processing
- Gnosis PayPaymentologyKolo CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}Kolo CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumKolo CardNot disclosed
- Identity verification
- Gnosis PaySumsubKolo CardSumSub
- Programme operator
- Gnosis PayGnosis PayKolo CardHardline Holding Limited
Sources
2 fields- Official sources
- Gnosis Pay17Kolo Card28
- Last reviewed
- Gnosis PaySep 6, 2026Kolo CardAug 28, 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
Kolo Card
05 · Common questions
Gnosis Pay vs Kolo FAQ
Is Gnosis Pay or Kolo 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 Kolo?
Gnosis Pay has the lower published FX fee (0% vs 1%). 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 Kolo?
Kolo Card has the higher published base cashback rate (1% 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 Kolo differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Kolo 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 Kolo comparison?
The latest information check for these two cards was September 6, 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.