Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Tangem: same score, different trade-offs
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, 202637 official sources reviewed
01 · A level score
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 Pay77Tangem77Same score
CashbackGnosis Pay22Tangem73Compare the details below
TravelGnosis Pay100Tangem63Compare the details below
Funds controlGnosis Pay90Tangem87Compare the details below
Lowest feesGnosis Pay87Tangem52Compare the details below
TransfersGnosis Pay91Tangem65Compare 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 Tangem Card if its day-to-day setup suits you
Tangem 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.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
Where the cards part company
A tied score can hide meaningful differences in cost, custody, rewards and everyday access.
- Overall Score
- Gnosis Pay77Tangem77
Both cards have the same displayed Overall Score of 77.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXTangem$0 plan · Up to 3% legal cap; current fee unknown 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%Tangem1% base · up to 2%
Tangem Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- Gnosis PaySelf-controlled walletTangemHybrid custody
Gnosis Pay uses a self-controlled wallet setup, while Tangem 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 PayTangemVirtual + 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 outboundTangem2 stablecoins · Stablecoin transfers
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 3).
02 · Read the shortlist
A closer look at the tie
The score is level. These quick facts show where the cards still ask you to make a choice.
- 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
- 1%-2%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- 2–4%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 1 crypto · 0 fiat
03 · Compare the details
Put the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsGnosis PayOverall77Tangem CardOverall77
Gnosis PayOverall77Tangem CardOverall77Scores
6 fields- Overall Score
- Gnosis Pay77Tangem Card77
- Cashback score
- Gnosis Pay22Tangem Card73
- Travel score
- Gnosis Pay100Tangem Card63
- Funds control score
- Gnosis Pay90Tangem Card87
- Lowest fees score
- Gnosis Pay87Tangem Card52
- Transfers score
- Gnosis Pay91Tangem Card65
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersTangem CardApple Pay and Google Pay, Direct USDC funding on Polygon
- Trade-offs
- Gnosis PayConsumer card being discontinued; GNO cashback ends September 30, 2026Tangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%
Costs
7 fields- Plan cost
- Gnosis Pay$0Tangem Card$0
- FX fee
- Gnosis Pay0%Tangem CardUp to 3% legal cap; current fee unknown
- Top-up fee
- Gnosis Pay0%Tangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separate
- Card spending fee
- Gnosis Pay0%Tangem Card0%
- ATM fee
- Gnosis Pay0–2%Tangem Card2–4%
- Virtual card
- Gnosis PayFree; available after the card application is acceptedTangem Card$0 for the first virtual card
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeTangem CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery free
Plans
2 fields- Available plans
- Gnosis PayNot disclosedTangem Card2 plans: Basic, Plus
- Top cashback plan
- Gnosis PayNot disclosedTangem CardPlus: 2%
Everyday use
8 fields- Network
- Gnosis PayVisaTangem CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalTangem CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableTangem CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayTangem CardApple Pay, Google Pay
- Apps
- Gnosis PayWebTangem CardiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionTangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controls
- Monthly spending limit
- Gnosis PayNot disclosedTangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per month
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayTangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM required
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainTangem CardPolygon, BNB Smart Chain, Base, Arbitrum
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeTangem CardStablecoins: USDC, USDT
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANTangem CardUSD ACH deposit, USD Fedwire deposit
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundTangem CardStablecoin transfers
- Payout currencies
- Gnosis PayEUReTangem CardNot disclosed
Rewards
3 fields- Base cashback
- Gnosis Pay0%Tangem Card1%
- Max cashback
- Gnosis Pay5%Tangem Card2%
- Reward currency
- Gnosis PayGNO cashbackTangem CardUSDC
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredTangem CardNot offered
- How it works
- Gnosis PayNot offeredTangem CardNot offered
- Separate deposit
- Gnosis PayNot offeredTangem CardNot offered
- Use balance for spending
- Gnosis PayNot offeredTangem CardNot offered
- Lock-up
- Gnosis PayNot offeredTangem CardNot offered
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyTangem CardHybrid custody
- Control until payment
- Gnosis PayYou keep controlTangem CardYou keep control
- Card issuer
- Gnosis PayMonavateTangem CardThird National
- Card processing
- Gnosis PayPaymentologyTangem CardPaera LLC
- Custody / key management
- Gnosis PaySafe{Wallet}Tangem CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumTangem CardNot disclosed
- Identity verification
- Gnosis PaySumsubTangem CardSumsub
- Programme operator
- Gnosis PayGnosis PayTangem CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Tangem Card20
- Last reviewed
- Gnosis PaySep 6, 2026Tangem CardOct 11, 2026
04 · The closer call
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
Tangem Card
05 · Common questions
Gnosis Pay vs Tangem FAQ
Is Gnosis Pay or Tangem 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 Tangem?
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 Tangem?
Tangem Card has the higher published base cashback rate (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 Tangem differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Tangem 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 Tangem comparison?
The latest information check for these two cards was October 11, 2026, using 37 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.