Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Lava: 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 Oct 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 Pay77Lava62Higher score
CashbackGnosis Pay22Lava36Compare the details below
TravelGnosis Pay100Lava46Compare the details below
Funds controlGnosis Pay90Lava56Compare the details below
Lowest feesGnosis Pay87Lava59Compare the details below
TransfersGnosis Pay91Lava80Compare 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 Lava Card if its day-to-day setup suits you
Lava 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 provider card FX fee
- BTC rewards at selected partners
- Stablecoin and bank funding
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Gnosis Pay77Lava62
Gnosis Pay has the higher Overall Score by 15 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXLava$0 plan · 0% provider FX fee FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Gnosis Pay0% base · up to 5%LavaUp to 5%
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- Gnosis PaySelf-controlled walletLavaHybrid custody
Gnosis Pay uses a self-controlled wallet setup, while Lava Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Gnosis PayVirtual + Physical · Apple Pay, Google PayLavaCard format not disclosed · Apple Pay, Google Pay
Gnosis Pay lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Gnosis Pay3 stablecoins · Stablecoin transfers; IBAN outboundLava3 stablecoins · Stablecoin transfers; Lava account bank withdrawal
Lava 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
- Up to 5%
- Plan cost
- $0
- FX fee
- 0% provider FX fee
- ATM fee
- 2%; min $1
- Card formats
- Not disclosed
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 1 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 PayOverall77Lava CardOverall62
Gnosis PayOverall77Lava CardOverall62Scores
6 fields- Overall Score
- Gnosis Pay77Lava Card62
- Cashback score
- Gnosis Pay22Lava Card36
- Travel score
- Gnosis Pay100Lava Card46
- Funds control score
- Gnosis Pay90Lava Card56
- Lowest fees score
- Gnosis Pay87Lava Card59
- Transfers score
- Gnosis Pay91Lava Card80
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersLava CardNo provider card FX fee, BTC rewards at selected partners
- Trade-offs
- Gnosis PayConsumer card being discontinued; GNO cashback ends September 30, 2026Lava CardCard access remains unclear, USD settlement is custodial
Costs
7 fields- Plan cost
- Gnosis Pay$0Lava Card$0
- FX fee
- Gnosis Pay0%Lava Card0% provider FX fee
- Top-up fee
- Gnosis Pay0%Lava CardNo added Lava funding markup. Banks and payment providers may charge; the FAQ lists 1.25% same-day ACH and $25 domestic wire. Regular ACH, SEPA and SPEI are listed as free where eligible. The fee recipient is not specified
- Card spending fee
- Gnosis Pay0%Lava CardNot disclosed
- ATM fee
- Gnosis Pay0–2%Lava Card2%; min $1
- Virtual card
- Gnosis PayFree; available after the card application is acceptedLava CardNot disclosed
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeLava CardNot disclosed
Plans
2 fields- Available plans
- Gnosis PayNot disclosedLava CardNot disclosed
- Top cashback plan
- Gnosis PayNot disclosedLava CardNot disclosed
Everyday use
8 fields- Network
- Gnosis PayVisaLava CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalLava CardNot disclosed
- ATM withdrawals
- Gnosis PayAvailableLava CardNot disclosed
- Mobile wallets
- Gnosis PayApple Pay, Google PayLava CardApple Pay, Google Pay
- Apps
- Gnosis PayWebLava CardiOS, Android, Web
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionLava CardAccount-specific and collateral-dependent; universal daily amount not disclosed.
- Monthly spending limit
- Gnosis PayNot disclosedLava CardAccount-specific; universal monthly amount not disclosed.
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayLava CardAccess is conditional; withdrawal limits not disclosed.
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainLava CardSolana, Ethereum, Arbitrum, Avalanche, Base, Celo +4
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeLava CardStablecoins: USDC, USDT, PYUSD
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANLava CardLava account bank funding
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundLava CardStablecoin transfers; Lava account bank withdrawal
- Payout currencies
- Gnosis PayEUReLava CardUSD, EUR
Rewards
3 fields- Base cashback
- Gnosis Pay0%Lava CardNot disclosed
- Max cashback
- Gnosis Pay5%Lava Card5%
- Reward currency
- Gnosis PayGNO cashbackLava CardBTC
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredLava CardUp to 6.5% APY
- How it works
- Gnosis PayNot offeredLava CardOptional earn vault
- Separate deposit
- Gnosis PayNot offeredLava CardYes
- Use balance for spending
- Gnosis PayNot offeredLava CardNo
- Lock-up
- Gnosis PayNot offeredLava CardNo
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyLava CardHybrid custody
- Control until payment
- Gnosis PayYou keep controlLava CardProvider controls funds
- Card issuer
- Gnosis PayMonavateLava CardThird National
- Card processing
- Gnosis PayPaymentologyLava CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}Lava CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumLava CardNot disclosed
- Identity verification
- Gnosis PaySumsubLava CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayLava CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Lava Card28
- Last reviewed
- Gnosis PaySep 6, 2026Lava CardOct 6, 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
Lava Card
05 · Common questions
Gnosis Pay vs Lava FAQ
Is Gnosis Pay or Lava 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 Lava?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 Lava?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. 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 Lava differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Lava Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Gnosis Pay vs Lava comparison?
The latest information check for these two cards was October 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.