Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Pionex: 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, 202676 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 Pay77Pionex57Higher score
CashbackGnosis Pay22Pionex52Compare the details below
TravelGnosis Pay100Pionex29Compare the details below
Funds controlGnosis Pay90Pionex43Compare the details below
Lowest feesGnosis Pay87Pionex57Compare the details below
TransfersGnosis Pay91Pionex79Compare 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 Pionex Card if its day-to-day setup suits you
Pionex 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.
- Visa and Mastercard options
- 0.1%-1% cashback in USDT
- Pionex account funding and payouts
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Gnosis Pay77Pionex57
Gnosis Pay has the higher Overall Score by 20 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXPionex$0 plan · Not disclosed 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%Pionex0.1% base · up to 1%
Pionex Card has the higher published base cashback rate (0.1% vs 0%).
- Funds control
- Gnosis PaySelf-controlled walletPionexCustodial balance
Gnosis Pay uses a self-controlled wallet setup, while Pionex Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Gnosis PayVirtual + Physical · Apple Pay, Google PayPionexVirtual · 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 outboundPionex1 stablecoin · Stablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
Both cards list the same number of stablecoins and ways to send money out.
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
- 0.1%-1%
- Plan cost
- $0
- FX fee
- Not disclosed
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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 PayOverall77Pionex CardOverall57
Gnosis PayOverall77Pionex CardOverall57Scores
6 fields- Overall Score
- Gnosis Pay77Pionex Card57
- Cashback score
- Gnosis Pay22Pionex Card52
- Travel score
- Gnosis Pay100Pionex Card29
- Funds control score
- Gnosis Pay90Pionex Card43
- Lowest fees score
- Gnosis Pay87Pionex Card57
- Transfers score
- Gnosis Pay91Pionex Card79
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersPionex CardVisa and Mastercard options, 0.1%-1% cashback in USDT
- Trade-offs
- Gnosis PayConsumer card being discontinued; GNO cashback ends September 30, 2026Pionex CardMastercard can cost up to 3.5%, General access is virtual-only
Costs
7 fields- Plan cost
- Gnosis Pay$0Pionex Card$0
- FX fee
- Gnosis Pay0%Pionex CardNot disclosed
- Top-up fee
- Gnosis Pay0%Pionex CardNot disclosed
- Card spending fee
- Gnosis Pay0%Pionex Card3.5%
- ATM fee
- Gnosis Pay0–2%Pionex CardNot available
- Virtual card
- Gnosis PayFree; available after the card application is acceptedPionex CardAvailable
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freePionex CardNot available
Plans
2 fields- Available plans
- Gnosis PayNot disclosedPionex Card2 plans: Mastercard, Visa
- Top cashback plan
- Gnosis PayNot disclosedPionex CardVisa: 1%
Everyday use
8 fields- Network
- Gnosis PayVisaPionex CardVisa/Mastercard
- Card formats
- Gnosis PayVirtual, PhysicalPionex CardVirtual
- ATM withdrawals
- Gnosis PayAvailablePionex CardNot available
- Mobile wallets
- Gnosis PayApple Pay, Google PayPionex CardApple Pay, Google Pay
- Apps
- Gnosis PayWebPionex CardNot disclosed
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionPionex Card$10,000-$20,000/day; $10,000-$20,000/transaction depending on network
- Monthly spending limit
- Gnosis PayNot disclosedPionex Card$50,000-$100,000/month depending on network
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayPionex CardNot available
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainPionex CardNot disclosed
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCePionex CardOther crypto: Supported crypto
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANPionex CardNot disclosed
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundPionex CardStablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
- Payout currencies
- Gnosis PayEURePionex CardNot disclosed
Rewards
3 fields- Base cashback
- Gnosis Pay0%Pionex Card0.1%
- Max cashback
- Gnosis Pay5%Pionex Card1%
- Reward currency
- Gnosis PayGNO cashbackPionex CardUSDT
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredPionex CardUp to 5% APY
- How it works
- Gnosis PayNot offeredPionex CardEarn on spending balance
- Separate deposit
- Gnosis PayNot offeredPionex CardNo
- Use balance for spending
- Gnosis PayNot offeredPionex CardYes
- Lock-up
- Gnosis PayNot offeredPionex CardNo
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyPionex CardCustodial
- Control until payment
- Gnosis PayYou keep controlPionex CardProvider controls funds
- Card issuer
- Gnosis PayMonavatePionex CardNot disclosed
- Card processing
- Gnosis PayPaymentologyPionex CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}Pionex CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumPionex CardNot disclosed
- Identity verification
- Gnosis PaySumsubPionex CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayPionex CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Pionex Card59
- Last reviewed
- Gnosis PaySep 6, 2026Pionex CardAug 14, 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
Pionex Card
05 · Common questions
Gnosis Pay vs Pionex FAQ
Is Gnosis Pay or Pionex 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 Pionex?
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 Pionex?
Pionex Card has the higher published base cashback rate (0.1% 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 Pionex differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Pionex Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Gnosis Pay vs Pionex comparison?
The latest information check for these two cards was September 6, 2026, using 76 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.