Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Phantom: 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 11, 202631 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 Pay77Phantom59Higher score
CashbackGnosis Pay22Phantom14Compare the details below
TravelGnosis Pay100Phantom25Compare the details below
Funds controlGnosis Pay90Phantom89Compare the details below
Lowest feesGnosis Pay87Phantom44Compare the details below
TransfersGnosis Pay91Phantom88Compare 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 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. Read the side-by-side details before deciding.
- Self-custody until settlement
- Apple Pay and Google Pay
- No US purchase fee
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- 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
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
- 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
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 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 Pay90Phantom 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 PayConsumer card being discontinued; GNO cashback ends September 30, 2026Phantom 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 standard daily limit; eligibility for up to $5,000/day is assessed automatically after 30 days and transaction history
- 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 PaySep 6, 2026Phantom CardOct 11, 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
Phantom Card
05 · Common questions
Gnosis Pay vs Phantom FAQ
Is Gnosis Pay or Phantom 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 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 October 11, 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.