Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Oobit: 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, 202633 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 Pay77Oobit74Higher score
CashbackGnosis Pay22Oobit70Compare the details below
TravelGnosis Pay100Oobit55Compare the details below
Funds controlGnosis Pay90Oobit78Compare the details below
Lowest feesGnosis Pay87Oobit59Compare the details below
TransfersGnosis Pay91Oobit65Compare 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 Oobit Card if its day-to-day setup suits you
Oobit 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.
- Connected-wallet spending
- Phone wallets and contactless ATM
- Stablecoin cashback and points
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Gnosis Pay77Oobit74
Gnosis Pay has the higher Overall Score by 3 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXOobit$0 plan · Up to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice FX
Gnosis Pay has the lower published FX fee (0% vs Up to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice).
- Purchase rewards
- Gnosis Pay0% base · up to 5%Oobit5% base · up to 10%
Oobit Card has the higher published base cashback rate (5% vs 0%).
- Funds control
- Gnosis PaySelf-controlled walletOobitHybrid custody
Gnosis Pay uses a self-controlled wallet setup, while Oobit 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 PayOobitVirtual · 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 outboundOobit4 stablecoins · Oobit Pay Friends; Crypto-to-bank payout
Oobit Card lists more stablecoins and ways to send money out (6 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
- 5%-10%
- Plan cost
- $0
- FX fee
- Up to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice
- ATM fee
- 2.5% Oobit fee plus any contactless ATM operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 12 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 PayOverall77Oobit CardOverall74
Gnosis PayOverall77Oobit CardOverall74Scores
6 fields- Overall Score
- Gnosis Pay77Oobit Card74
- Cashback score
- Gnosis Pay22Oobit Card70
- Travel score
- Gnosis Pay100Oobit Card55
- Funds control score
- Gnosis Pay90Oobit Card78
- Lowest fees score
- Gnosis Pay87Oobit Card59
- Transfers score
- Gnosis Pay91Oobit Card65
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersOobit CardConnected-wallet spending, Phone wallets and contactless ATM
- Trade-offs
- Gnosis PayConsumer card being discontinued; GNO cashback ends September 30, 2026Oobit CardEvery payment carries a provider fee, Physical card is unclear
Costs
7 fields- Plan cost
- Gnosis Pay$0Oobit Card$0
- FX fee
- Gnosis Pay0%Oobit CardUp to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice
- Top-up fee
- Gnosis Pay0%Oobit CardConnected-wallet spending needs no prefunding; account-balance top-up pricing varies by route
- Card spending fee
- Gnosis Pay0%Oobit Card$0.25 + 1%
- ATM fee
- Gnosis Pay0–2%Oobit Card2.5% Oobit fee plus any contactless ATM operator surcharge
- Virtual card
- Gnosis PayFree; available after the card application is acceptedOobit CardFree
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeOobit CardNot disclosed
Plans
2 fields- Available plans
- Gnosis PayNot disclosedOobit CardNot disclosed
- Top cashback plan
- Gnosis PayNot disclosedOobit CardNot disclosed
Everyday use
8 fields- Network
- Gnosis PayVisaOobit CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalOobit CardVirtual
- ATM withdrawals
- Gnosis PayAvailableOobit CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayOobit CardApple Pay, Google Pay
- Apps
- Gnosis PayWebOobit CardiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionOobit Card$10,000 daily card-spend limit; account-specific controls may be lower
- Monthly spending limit
- Gnosis PayNot disclosedOobit CardNo universal monthly card-spend limit published
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayOobit Card$250 maximum per contactless ATM withdrawal; up to three attempts per rolling 24 hours
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainOobit CardEthereum, BNB Smart Chain, Solana, Polygon, Optimism, Arbitrum
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeOobit CardNot disclosed
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANOobit CardNot disclosed
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundOobit CardOobit Pay Friends; Crypto-to-bank payout
- Payout currencies
- Gnosis PayEUReOobit CardUSD, EUR, GBP, INR, TRY, NGN, IDR, PHP +4
Rewards
3 fields- Base cashback
- Gnosis Pay0%Oobit Card5%
- Max cashback
- Gnosis Pay5%Oobit Card10%
- Reward currency
- Gnosis PayGNO cashbackOobit CardStablecoin rewards or OOB token
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredOobit CardNot offered
- How it works
- Gnosis PayNot offeredOobit CardNot offered
- Separate deposit
- Gnosis PayNot offeredOobit CardNot offered
- Use balance for spending
- Gnosis PayNot offeredOobit CardNot offered
- Lock-up
- Gnosis PayNot offeredOobit CardNot offered
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyOobit CardHybrid custody
- Control until payment
- Gnosis PayYou keep controlOobit CardYou keep control
- Card issuer
- Gnosis PayMonavateOobit CardThirdNational
- Card processing
- Gnosis PayPaymentologyOobit CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}Oobit CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumOobit CardNot disclosed
- Identity verification
- Gnosis PaySumsubOobit CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayOobit CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Oobit Card16
- Last reviewed
- Gnosis PaySep 6, 2026Oobit 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
Oobit Card
05 · Common questions
Gnosis Pay vs Oobit FAQ
Is Gnosis Pay or Oobit 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 Oobit?
Gnosis Pay has the lower published FX fee (0% vs Up to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice). 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 Oobit?
Oobit Card has the higher published base cashback rate (5% 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 Oobit differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Oobit 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 Oobit comparison?
The latest information check for these two cards was October 6, 2026, using 33 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.