Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Spritz: 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, 202658 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 Pay77Spritz62Higher score
CashbackGnosis Pay22Spritz34Compare the details below
TravelGnosis Pay100Spritz46Compare the details below
Funds controlGnosis Pay90Spritz62Compare the details below
Lowest feesGnosis Pay87Spritz44Compare the details below
TransfersGnosis Pay91Spritz64Compare 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 Spritz Card if its day-to-day setup suits you
Spritz 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.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- 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
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%-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
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 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 Pay90Spritz 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 PayConsumer card being discontinued; GNO cashback ends September 30, 2026Spritz 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 PaySep 6, 2026Spritz CardAug 28, 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
Spritz Card
05 · Common questions
Gnosis Pay vs Spritz FAQ
Is Gnosis Pay or Spritz 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 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 September 6, 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.