Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Tangem: fees, rewards and account setup
Gnosis Pay has the higher Overall Score by 17 points (77 vs 60). Gnosis Pay also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Tangem Card may still be the better personal fit.
Information checked Aug 28, 202635 official sources reviewed
01 · Make the first cut
Gnosis Pay is the better all-round starting point
Gnosis Pay has the higher Overall Score in this comparison. Tangem Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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 Pay77Tangem60Higher score
CashbackGnosis Pay22Tangem15Higher score
TravelGnosis Pay100Tangem27Higher score
Funds controlGnosis Pay89Tangem83Higher score
Lowest feesGnosis Pay87Tangem53Higher score
TransfersGnosis Pay91Tangem58Higher score
Choose Gnosis Pay if cashback and travel matter most
Gnosis Pay comes out ahead for Cashback, 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 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. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Gnosis Pay77Tangem60
Gnosis Pay has the higher Overall Score by 17 points.
- 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%Tangem0% cashback
Both cards show the same base cashback rate of 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 · 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 outboundTangem1 stablecoin · Stablecoin transfers
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 2).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- 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%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- 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
03 · Compare the details
Compare 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 CardOverall60
Gnosis PayOverall77Tangem CardOverall60Scores
6 fields- Overall Score
- Gnosis Pay77Tangem Card60
- Cashback score
- Gnosis Pay22Tangem Card15
- Travel score
- Gnosis Pay100Tangem Card27
- Funds control score
- Gnosis Pay89Tangem Card83
- Lowest fees score
- Gnosis Pay87Tangem Card53
- Transfers score
- Gnosis Pay91Tangem Card58
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 PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesTangem CardNo current cashback, Virtual-only with no ATM access
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 Card0%
- Card spending fee
- Gnosis Pay0%Tangem Card0%
- ATM fee
- Gnosis Pay0–2%Tangem CardNot available
- 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 CardNot disclosed
Plans
2 fields- Available plans
- Gnosis PayNot disclosedTangem CardNot disclosed
- Top cashback plan
- Gnosis PayNot disclosedTangem CardNot disclosed
Everyday use
8 fields- Network
- Gnosis PayVisaTangem CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalTangem CardVirtual
- ATM withdrawals
- Gnosis PayAvailableTangem CardNot available
- 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 advertises $10,000 daily; the account system/default shows up to $50,000, so the effective Basic limit is unclear
- 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 CardATM withdrawals are not currently available
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainTangem CardPolygon
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeTangem CardStablecoins: USDC
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANTangem CardNot disclosed
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundTangem CardStablecoin transfers
- Payout currencies
- Gnosis PayEUReTangem CardNot disclosed
Rewards
3 fields- Base cashback
- Gnosis Pay0%Tangem Card0%
- Max cashback
- Gnosis Pay5%Tangem Card0%
- Reward currency
- Gnosis PayGNO cashbackTangem CardNo current purchase rewards
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 Card18
- Last reviewed
- Gnosis PayAug 6, 2026Tangem CardAug 28, 2026
04 · The takeaway
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 60 for Tangem 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%.
Tangem Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. 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.
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 2). 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 Tangem Card reviews first.
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 has the higher Overall Score (77 vs 60). 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 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?
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 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 August 28, 2026, using 35 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.