Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Spritz: overall score versus use-case fit
Gnosis Pay has the higher Overall Score by 15 points (77 vs 62). Gnosis Pay looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Spritz Card comes out ahead for Cashback.
Information checked Aug 28, 202658 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. Spritz 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 Pay77Spritz62Higher score
CashbackGnosis Pay22Spritz34Higher score
TravelGnosis Pay100Spritz46Higher score
Funds controlGnosis Pay89Spritz62Higher score
Lowest feesGnosis Pay87Spritz44Higher score
TransfersGnosis Pay91Spritz64Higher 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 Spritz Card if cashback matters most
Spritz 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.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
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 Pay77Spritz62
Gnosis Pay has the higher Overall Score by 15 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXSpritz$0 plan · Exact Spritz markup not disclosed; local exchange and conversion rates may apply 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%Spritz0% base · up to 5%
Both cards show the same base cashback rate of 0%.
- Funds control
- Gnosis PaySelf-controlled walletSpritzHybrid custody
Gnosis Pay uses a self-controlled wallet setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Gnosis PayVirtual + Physical · Apple Pay, Google PaySpritzVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Gnosis Pay3 stablecoins · Stablecoin transfers; IBAN outboundSpritz0 stablecoins · Wallet-to-bank Off-Ramp
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 1).
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%-5%
- Plan cost
- $0
- FX fee
- Exact Spritz markup not disclosed; local exchange and conversion rates may apply
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 4 fiat
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 PayOverall77Spritz CardOverall62
Gnosis PayOverall77Spritz CardOverall62Scores
6 fields- Overall Score
- Gnosis Pay77Spritz Card62
- Cashback score
- Gnosis Pay22Spritz Card34
- Travel score
- Gnosis Pay100Spritz Card46
- Funds control score
- Gnosis Pay89Spritz Card62
- Lowest fees score
- Gnosis Pay87Spritz Card44
- Transfers score
- Gnosis Pay91Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- Gnosis PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesSpritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- Gnosis Pay$0Spritz Card$0
- FX fee
- Gnosis Pay0%Spritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- Gnosis Pay0%Spritz Card1–3%
- Card spending fee
- Gnosis Pay0%Spritz Card0%
- ATM fee
- Gnosis Pay0–2%Spritz CardNot disclosed
- Virtual card
- Gnosis PayFree; available after the card application is acceptedSpritz CardNot disclosed
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeSpritz CardNot disclosed
Plans
2 fields- Available plans
- Gnosis PayNot disclosedSpritz CardNot disclosed
- Top cashback plan
- Gnosis PayNot disclosedSpritz CardNot disclosed
Everyday use
8 fields- Network
- Gnosis PayVisaSpritz CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalSpritz CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableSpritz CardNot disclosed
- Mobile wallets
- Gnosis PayApple Pay, Google PaySpritz CardApple Pay, Google Pay
- Apps
- Gnosis PayWebSpritz CardiOS
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionSpritz CardNo provider-published daily spend cap
- Monthly spending limit
- Gnosis PayNot disclosedSpritz CardNot disclosed
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/daySpritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainSpritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeSpritz CardOther crypto: Crypto top-up
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANSpritz CardNot disclosed
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- Gnosis PayEUReSpritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- Gnosis Pay0%Spritz Card0%
- Max cashback
- Gnosis Pay5%Spritz Card5%
- Reward currency
- Gnosis PayGNO cashbackSpritz CardSpritz Credits
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredSpritz CardNot offered
- How it works
- Gnosis PayNot offeredSpritz CardNot offered
- Separate deposit
- Gnosis PayNot offeredSpritz CardNot offered
- Use balance for spending
- Gnosis PayNot offeredSpritz CardNot offered
- Lock-up
- Gnosis PayNot offeredSpritz CardNot offered
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodySpritz CardHybrid custody
- Control until payment
- Gnosis PayYou keep controlSpritz CardProvider controls funds
- Card issuer
- Gnosis PayMonavateSpritz CardNot disclosed
- Card processing
- Gnosis PayPaymentologySpritz CardRain
- Custody / key management
- Gnosis PaySafe{Wallet}Spritz CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumSpritz CardNot disclosed
- Identity verification
- Gnosis PaySumsubSpritz CardNot disclosed
- Programme operator
- Gnosis PayGnosis PaySpritz CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Spritz Card41
- Last reviewed
- Gnosis PayAug 6, 2026Spritz CardAug 28, 2026
04 · The trade-off
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 62 for Spritz 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%.
Spritz 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 Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 1). 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 Spritz Card reviews first.
Continue with
Gnosis Pay
Continue with
Spritz Card
05 · Common questions
Gnosis Pay vs Spritz FAQ
Is Gnosis Pay or Spritz better overall?
Gnosis Pay has the higher Overall Score (77 vs 62). 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 Spritz?
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 Spritz?
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 Spritz differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Gnosis Pay vs Spritz comparison?
The latest information check for these two cards was August 28, 2026, using 58 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.