Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Krak: overall score versus use-case fit
Gnosis Pay has the higher Overall Score by 3 points (77 vs 74). Gnosis Pay looks stronger for Travel, Funds control, and Lowest fees, while Krak Card comes out ahead for Cashback and Transfers.
Information checked Aug 27, 202643 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. Krak Card may be the better fit for Cashback and Transfers. 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 Pay77Krak74Higher score
CashbackGnosis Pay22Krak40Higher score
TravelGnosis Pay100Krak83Higher score
Funds controlGnosis Pay89Krak56Higher score
Lowest feesGnosis Pay87Krak72Higher score
TransfersGnosis Pay91Krak97Higher score
Choose Gnosis Pay if travel and funds control matter most
Gnosis Pay comes out ahead for Travel, Funds control, and Lowest fees 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 Krak Card if cashback and transfers matter most
Krak Card comes out ahead for Cashback and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No monthly, FX or Krak ATM fee
- Both card formats and phone wallets
- Automatic cashback up to 2%
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 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
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%-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
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 PayOverall77Krak CardOverall74
Gnosis PayOverall77Krak CardOverall74Scores
6 fields- Overall Score
- Gnosis Pay77Krak Card74
- Cashback score
- Gnosis Pay22Krak Card40
- Travel score
- Gnosis Pay100Krak Card83
- Funds control score
- Gnosis Pay89Krak 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 PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesKrak 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 PayAug 6, 2026Krak CardAug 27, 2026
04 · The trade-off
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 74 for Krak Card. Gnosis Pay has the lower published FX fee (0% vs 0–1%). Both cards show the same base cashback rate of 0%.
Krak Card still comes out ahead for Cashback and Transfers, which may matter more than the overall result if that is how you plan to use the card. 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.
Krak Card lists more stablecoins and ways to send money out (5 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 Krak Card reviews first.
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 has the higher Overall Score (77 vs 74). 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 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 August 27, 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.