Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Payy: 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, 202622 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 Pay77Payy62Higher score
CashbackGnosis Pay22Payy17Compare the details below
TravelGnosis Pay100Payy27Compare the details below
Funds controlGnosis Pay90Payy97Compare the details below
Lowest feesGnosis Pay87Payy57Compare the details below
TransfersGnosis Pay91Payy68Compare 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 Payy Card if its day-to-day setup suits you
Payy 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.
- Self-custody wallet control
- No monthly or transaction fee
- Instant virtual Visa with phone wallets
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Gnosis Pay77Payy62
Gnosis Pay has the higher Overall Score by 15 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXPayy$0 plan · 1–3% FX
Gnosis Pay has the lower published FX fee (0% vs 1–3%).
- Purchase rewards
- Gnosis Pay0% base · up to 5%Payy0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- Gnosis PaySelf-controlled walletPayySelf-controlled wallet
Gnosis Pay and Payy Card use the same self-controlled wallet setup.
- Everyday access
- Gnosis PayVirtual + Physical · Apple Pay, Google PayPayyVirtual · 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 outboundPayy1 stablecoin · Stablecoin transfers; Payy payment links
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 3).
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%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 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 PayOverall77Payy CardOverall62
Gnosis PayOverall77Payy CardOverall62Scores
6 fields- Overall Score
- Gnosis Pay77Payy Card62
- Cashback score
- Gnosis Pay22Payy Card17
- Travel score
- Gnosis Pay100Payy Card27
- Funds control score
- Gnosis Pay90Payy Card97
- Lowest fees score
- Gnosis Pay87Payy Card57
- Transfers score
- Gnosis Pay91Payy Card68
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersPayy CardSelf-custody wallet control, No monthly or transaction fee
- Trade-offs
- Gnosis PayConsumer card being discontinued; GNO cashback ends September 30, 2026Payy CardFX can reach 3%, Cash and physical access are constrained
Costs
7 fields- Plan cost
- Gnosis Pay$0Payy Card$0
- FX fee
- Gnosis Pay0%Payy Card1–3%
- Top-up fee
- Gnosis Pay0%Payy Card0%
- Card spending fee
- Gnosis Pay0%Payy Card0%
- ATM fee
- Gnosis Pay0–2%Payy CardNot available
- Virtual card
- Gnosis PayFree; available after the card application is acceptedPayy CardFree; instant after KYC
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freePayy CardNot disclosed
Plans
2 fields- Available plans
- Gnosis PayNot disclosedPayy CardNot disclosed
- Top cashback plan
- Gnosis PayNot disclosedPayy CardNot disclosed
Everyday use
8 fields- Network
- Gnosis PayVisaPayy CardVisa/Other network
- Card formats
- Gnosis PayVirtual, PhysicalPayy CardVirtual
- ATM withdrawals
- Gnosis PayAvailablePayy CardNot available
- Mobile wallets
- Gnosis PayApple Pay, Google PayPayy CardApple Pay, Google Pay
- Apps
- Gnosis PayWebPayy CardiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionPayy CardNot disclosed
- Monthly spending limit
- Gnosis PayNot disclosedPayy CardNot disclosed
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayPayy CardNot disclosed
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainPayy CardPolygon, Payy Network
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCePayy CardStablecoins: USDC
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANPayy CardBank-account deposit
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundPayy CardStablecoin transfers; Payy payment links
- Payout currencies
- Gnosis PayEURePayy CardNot disclosed
Rewards
3 fields- Base cashback
- Gnosis Pay0%Payy Card0%
- Max cashback
- Gnosis Pay5%Payy Card0%
- Reward currency
- Gnosis PayGNO cashbackPayy CardNo cashback
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredPayy CardNot offered
- How it works
- Gnosis PayNot offeredPayy CardNot offered
- Separate deposit
- Gnosis PayNot offeredPayy CardNot offered
- Use balance for spending
- Gnosis PayNot offeredPayy CardNot offered
- Lock-up
- Gnosis PayNot offeredPayy CardNot offered
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyPayy CardSelf-custody
- Control until payment
- Gnosis PayYou keep controlPayy CardYou keep control
- Card issuer
- Gnosis PayMonavatePayy CardThird National / Rain
- Card processing
- Gnosis PayPaymentologyPayy CardRain
- Custody / key management
- Gnosis PaySafe{Wallet}Payy CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumPayy CardNot disclosed
- Identity verification
- Gnosis PaySumsubPayy CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayPayy CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Payy Card5
- Last reviewed
- Gnosis PaySep 6, 2026Payy CardAug 5, 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
Payy Card
05 · Common questions
Gnosis Pay vs Payy FAQ
Is Gnosis Pay or Payy 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 Payy?
Gnosis Pay has the lower published FX fee (0% vs 1–3%). 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 Payy?
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 Payy differ on custody?
Gnosis Pay and Payy Card use the same self-controlled wallet setup.
How current is this Gnosis Pay vs Payy comparison?
The latest information check for these two cards was September 6, 2026, using 22 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.