Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Pionex: overall score versus use-case fit
Gnosis Pay has the higher Overall Score by 20 points (77 vs 57). Gnosis Pay looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Pionex Card comes out ahead for Cashback.
Information checked Aug 14, 202676 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. Pionex 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 Pay77Pionex57Higher score
CashbackGnosis Pay22Pionex52Higher score
TravelGnosis Pay100Pionex29Higher score
Funds controlGnosis Pay89Pionex43Higher score
Lowest feesGnosis Pay87Pionex58Higher score
TransfersGnosis Pay91Pionex79Higher 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 Pionex Card if cashback matters most
Pionex 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.
- Visa and Mastercard options
- 0.1%-1% cashback in USDT
- Pionex account funding and payouts
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 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
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
- 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
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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 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 Pay89Pionex Card43
- Lowest fees score
- Gnosis Pay87Pionex Card58
- 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 PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesPionex 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 PayAug 6, 2026Pionex CardAug 14, 2026
04 · The trade-off
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 57 for Pionex Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Pionex Card has the higher published base cashback rate (0.1% vs 0%).
Pionex 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 Pionex Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. 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 Pionex Card reviews first.
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 has the higher Overall Score (77 vs 57). 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 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 August 14, 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.