Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Krak: 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, 202643 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 Pay77Krak74Higher score
CashbackGnosis Pay22Krak41Compare the details below
TravelGnosis Pay100Krak83Compare the details below
Funds controlGnosis Pay90Krak56Compare the details below
Lowest feesGnosis Pay87Krak72Compare the details below
TransfersGnosis Pay91Krak97Compare 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 Krak Card if its day-to-day setup suits you
Krak 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.
- No monthly, FX or Krak ATM fee
- Both card formats and phone wallets
- Automatic cashback up to 2%
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Gnosis Pay77Krak74
Gnosis Pay has the higher Overall Score by 3 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXKrak$0 plan · 0–1% FX
Gnosis Pay has the lower published FX fee (0% vs 0–1%).
- Purchase rewards
- Gnosis Pay0% base · up to 5%Krak0% base · up to 2%
Both cards show the same base cashback rate of 0%.
- Funds control
- Gnosis PaySelf-controlled walletKrakCustodial balance
Gnosis Pay uses a self-controlled wallet setup, while Krak 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 PayKrakVirtual + 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 outboundKrak0 stablecoins · Stablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPA
Krak Card lists more stablecoins and ways to send money out (5 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%-2%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0% Krak fee; ATM operator may charge
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 3 fiat
- Payout methods
- 1 crypto · 2 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 PayOverall77Krak CardOverall74
Gnosis PayOverall77Krak CardOverall74Scores
6 fields- Overall Score
- Gnosis Pay77Krak Card74
- Cashback score
- Gnosis Pay22Krak Card41
- Travel score
- Gnosis Pay100Krak Card83
- Funds control score
- Gnosis Pay90Krak Card56
- Lowest fees score
- Gnosis Pay87Krak Card72
- Transfers score
- Gnosis Pay91Krak Card97
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersKrak CardNo monthly, FX or Krak ATM fee, Both card formats and phone wallets
- Trade-offs
- Gnosis PayConsumer card being discontinued; GNO cashback ends September 30, 2026Krak CardCrypto conversion spread is variable, The 2% tier needs a large balance
Costs
7 fields- Plan cost
- Gnosis Pay$0Krak Card$0
- FX fee
- Gnosis Pay0%Krak Card0–1%
- Top-up fee
- Gnosis Pay0%Krak CardNot disclosed
- Card spending fee
- Gnosis Pay0%Krak Card0%
- ATM fee
- Gnosis Pay0–2%Krak Card0% Krak fee; ATM operator may charge
- Virtual card
- Gnosis PayFree; available after the card application is acceptedKrak CardFree
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeKrak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0
Plans
2 fields- Available plans
- Gnosis PayNot disclosedKrak Card5 plans: Starter, Lite, Pro, Elite +1
- Top cashback plan
- Gnosis PayNot disclosedKrak CardMax: 2%
Everyday use
8 fields- Network
- Gnosis PayVisaKrak CardMastercard/Visa
- Card formats
- Gnosis PayVirtual, PhysicalKrak CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableKrak CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayKrak CardApple Pay, Google Pay
- Apps
- Gnosis PayWebKrak CardiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionKrak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/day
- Monthly spending limit
- Gnosis PayNot disclosedKrak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/month
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayKrak CardUK: £250/withdrawal, £750/day, £4,000/month; EEA: €300/withdrawal, €900/day, €4,800/month; US: $250/withdrawal, $1,000/day, $5,000/month
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainKrak CardNot disclosed
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeKrak CardOther crypto: Supported crypto
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANKrak CardGBP bank transfer, EUR bank transfer, USD bank transfer
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundKrak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPA
- Payout currencies
- Gnosis PayEUReKrak CardGBP, EUR
Rewards
3 fields- Base cashback
- Gnosis Pay0%Krak Card0%
- Max cashback
- Gnosis Pay5%Krak Card2%
- Reward currency
- Gnosis PayGNO cashbackKrak CardGBP, EUR, USD or BTC
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredKrak CardUp to 3.6% APY
- How it works
- Gnosis PayNot offeredKrak CardOptional earn vault
- Separate deposit
- Gnosis PayNot offeredKrak CardYes
- Use balance for spending
- Gnosis PayNot offeredKrak CardNo
- Lock-up
- Gnosis PayNot offeredKrak CardNot disclosed
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyKrak CardCustodial
- Control until payment
- Gnosis PayYou keep controlKrak CardProvider controls funds
- Card issuer
- Gnosis PayMonavateKrak CardMonavate Limited, Lead Bank, UAB Monavate
- Card processing
- Gnosis PayPaymentologyKrak CardStripe
- Custody / key management
- Gnosis PaySafe{Wallet}Krak CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumKrak CardNot disclosed
- Identity verification
- Gnosis PaySumsubKrak CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayKrak CardPayward Wallet, Inc.
Sources
2 fields- Official sources
- Gnosis Pay17Krak Card26
- Last reviewed
- Gnosis PaySep 6, 2026Krak CardAug 27, 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
Krak Card
05 · Common questions
Gnosis Pay vs Krak FAQ
Is Gnosis Pay or Krak 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 Krak?
Gnosis Pay has the lower published FX fee (0% vs 0–1%). 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 Krak?
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 Krak differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Krak 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 Krak comparison?
The latest information check for these two cards was September 6, 2026, using 43 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.