Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Oobit: overall score versus use-case fit
Gnosis Pay has the higher Overall Score by 5 points (77 vs 72). Gnosis Pay looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Oobit Card comes out ahead for Cashback.
Information checked Aug 12, 202633 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. Oobit Card may be the better fit for Cashback. 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 Pay77Oobit72Higher score
CashbackGnosis Pay22Oobit68Higher score
TravelGnosis Pay100Oobit45Higher score
Funds controlGnosis Pay89Oobit77Higher score
Lowest feesGnosis Pay87Oobit51Higher score
TransfersGnosis Pay91Oobit64Higher score
Choose Gnosis Pay if travel and funds control matter most
Gnosis Pay comes out ahead for Travel, Funds control, Lowest fees, and Transfers 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 Oobit Card if cashback matters most
Oobit Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Connected-wallet spending
- Phone wallets and contactless ATM
- Stablecoin cashback and points
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 Pay77Oobit72
Gnosis Pay has the higher Overall Score by 5 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXOobit$0 plan · 3% FX
Gnosis Pay has the lower published FX fee (0% vs 3%).
- 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
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
- 5%-10%
- Plan cost
- $0
- FX fee
- 3%
- 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
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 PayOverall77Oobit CardOverall72
Gnosis PayOverall77Oobit CardOverall72Scores
6 fields- Overall Score
- Gnosis Pay77Oobit Card72
- Cashback score
- Gnosis Pay22Oobit Card68
- Travel score
- Gnosis Pay100Oobit Card45
- Funds control score
- Gnosis Pay89Oobit Card77
- Lowest fees score
- Gnosis Pay87Oobit Card51
- Transfers score
- Gnosis Pay91Oobit Card64
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 PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesOobit 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 Card3%
- 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 PayAug 6, 2026Oobit CardAug 12, 2026
04 · The trade-off
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 72 for Oobit Card. Gnosis Pay has the lower published FX fee (0% vs 3%). Oobit Card has the higher published base cashback rate (5% vs 0%).
Oobit Card still comes out ahead for Cashback, 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 Oobit Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Oobit Card lists more stablecoins and ways to send money out (6 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 Oobit Card reviews first.
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 has the higher Overall Score (77 vs 72). 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 Oobit?
Gnosis Pay has the lower published FX fee (0% vs 3%). 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 August 12, 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.