Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Phantom: fees, rewards and account setup
Gnosis Pay has the higher Overall Score by 18 points (77 vs 59). Gnosis Pay also looks stronger for Cashback, Travel, Lowest fees, and Transfers. The details below show where Phantom Card may still be the better personal fit.
Information checked Aug 6, 202631 official sources reviewed
01 · Make the first cut
Gnosis Pay is the better all-round starting point
Gnosis Pay has the higher Overall Score in this comparison. Phantom Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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 Pay77Phantom59Higher score
CashbackGnosis Pay22Phantom14Higher score
TravelGnosis Pay100Phantom25Higher score
Funds controlGnosis Pay89Phantom89Same score
Lowest feesGnosis Pay87Phantom44Higher score
TransfersGnosis Pay91Phantom88Higher score
Choose Gnosis Pay if cashback and travel matter most
Gnosis Pay comes out ahead for Cashback, Travel, 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 Phantom Card if its day-to-day setup suits you
Phantom 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. The other card looks stronger for Cashback, Travel, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Self-custody until settlement
- Apple Pay and Google Pay
- No US purchase fee
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Gnosis Pay77Phantom59
Gnosis Pay has the higher Overall Score by 18 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXPhantomNot verified plan · May apply; shown before confirmation 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%Phantom0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- Gnosis PaySelf-controlled walletPhantomSelf-controlled wallet
Gnosis Pay and Phantom Card use the same self-controlled wallet setup.
- Everyday access
- Gnosis PayVirtual + Physical · Apple Pay, Google PayPhantomVirtual · 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 outboundPhantom5 stablecoins · Stablecoin transfers; Standard ACH bank payout, Fast ACH bank payout
Phantom Card lists more stablecoins and ways to send money out (8 vs 4).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- 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
- Not disclosed
- FX fee
- May apply; shown before confirmation
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 1 crypto · 1 fiat
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsGnosis PayOverall77Phantom CardOverall59
Gnosis PayOverall77Phantom CardOverall59Scores
6 fields- Overall Score
- Gnosis Pay77Phantom Card59
- Cashback score
- Gnosis Pay22Phantom Card14
- Travel score
- Gnosis Pay100Phantom Card25
- Funds control score
- Gnosis Pay89Phantom Card89
- Lowest fees score
- Gnosis Pay87Phantom Card44
- Transfers score
- Gnosis Pay91Phantom Card88
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersPhantom CardSelf-custody until settlement, Apple Pay and Google Pay
- Trade-offs
- Gnosis PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesPhantom CardUS-only and virtual-only, No ATM; international fee unclear
Costs
7 fields- Plan cost
- Gnosis Pay$0Phantom CardNot disclosed
- FX fee
- Gnosis Pay0%Phantom CardMay apply; shown before confirmation
- Top-up fee
- Gnosis Pay0%Phantom Card0.3–3.5%
- Card spending fee
- Gnosis Pay0%Phantom Card0%
- ATM fee
- Gnosis Pay0–2%Phantom CardNot available
- Virtual card
- Gnosis PayFree; available after the card application is acceptedPhantom CardFree virtual card
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freePhantom CardNot available
Plans
2 fields- Available plans
- Gnosis PayNot disclosedPhantom CardNot disclosed
- Top cashback plan
- Gnosis PayNot disclosedPhantom CardNot disclosed
Everyday use
8 fields- Network
- Gnosis PayVisaPhantom CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalPhantom CardVirtual
- ATM withdrawals
- Gnosis PayAvailablePhantom CardNot available
- Mobile wallets
- Gnosis PayApple Pay, Google PayPhantom CardApple Pay, Google Pay
- Apps
- Gnosis PayWebPhantom CardiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionPhantom Card$2,000 default daily and per transaction; up to $5,000/day by support request
- Monthly spending limit
- Gnosis PayNot disclosedPhantom CardMonthly card-spend limit not published
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayPhantom CardNot available
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainPhantom CardSolana
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCePhantom CardStablecoins: USDC, USDT, USDG, PYUSD
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANPhantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wire
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundPhantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payout
- Payout currencies
- Gnosis PayEURePhantom CardUSD
Rewards
3 fields- Base cashback
- Gnosis Pay0%Phantom Card0%
- Max cashback
- Gnosis Pay5%Phantom Card0%
- Reward currency
- Gnosis PayGNO cashbackPhantom CardNot applicable
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredPhantom CardNot disclosed
- How it works
- Gnosis PayNot offeredPhantom CardOptional earn vault
- Separate deposit
- Gnosis PayNot offeredPhantom CardYes
- Use balance for spending
- Gnosis PayNot offeredPhantom CardNo
- Lock-up
- Gnosis PayNot offeredPhantom CardNot disclosed
Trust & availability
9 fields- Custody
- Gnosis PaySelf-custodyPhantom CardSelf-custody
- Control until payment
- Gnosis PayYou keep controlPhantom CardYou keep control
- Card issuer
- Gnosis PayMonavatePhantom CardLead Bank
- Card processing
- Gnosis PayPaymentologyPhantom CardBridge Ventures LLC, Galileo
- Custody / key management
- Gnosis PaySafe{Wallet}Phantom CardNot disclosed
- Deposits & withdrawals
- Gnosis PayNot disclosedPhantom CardStripe
- Bank transfers
- Gnosis PayMoneriumPhantom CardNot disclosed
- Identity verification
- Gnosis PaySumsubPhantom CardLink
- Programme operator
- Gnosis PayGnosis PayPhantom CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Phantom Card14
- Last reviewed
- Gnosis PayAug 6, 2026Phantom CardAug 5, 2026
04 · The takeaway
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 59 for Phantom Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
Phantom Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Gnosis Pay and Phantom Card use the same self-controlled wallet setup.
Phantom Card lists more stablecoins and ways to send money out (8 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 Phantom Card reviews first.
Continue with
Gnosis Pay
Continue with
Phantom Card
05 · Common questions
Gnosis Pay vs Phantom FAQ
Is Gnosis Pay or Phantom better overall?
Gnosis Pay has the higher Overall Score (77 vs 59). 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 Phantom?
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 Phantom?
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 Phantom differ on custody?
Gnosis Pay and Phantom Card use the same self-controlled wallet setup.
How current is this Gnosis Pay vs Phantom comparison?
The latest information check for these two cards was August 6, 2026, using 31 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.