Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Tuyo: 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, 202629 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 Pay77Tuyo74Higher score
CashbackGnosis Pay22Tuyo39Compare the details below
TravelGnosis Pay100Tuyo42Compare the details below
Funds controlGnosis Pay90Tuyo100Compare the details below
Lowest feesGnosis Pay87Tuyo71Compare the details below
TransfersGnosis Pay91Tuyo72Compare 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 Tuyo Card if its day-to-day setup suits you
Tuyo 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.
- Self-custody wallet control
- Virtual Visa with both phone wallets
- Multichain USDC funding and spendable Earn
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Gnosis Pay77Tuyo74
Gnosis Pay has the higher Overall Score by 3 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXTuyo$0 plan · 1–3% FX
Gnosis Pay has the lower published FX fee (0% vs 1–3%).
- Purchase rewards
- Gnosis Pay0% base · up to 5%Tuyo0% base · up to 100%
Both cards show the same base cashback rate of 0%.
- Funds control
- Gnosis PaySelf-controlled walletTuyoSelf-controlled wallet
Gnosis Pay and Tuyo Card use the same self-controlled wallet setup.
- Everyday access
- Gnosis PayVirtual + Physical · Apple Pay, Google PayTuyoVirtual · 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 outboundTuyo1 stablecoin · Stablecoin transfers
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 2).
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%-100%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 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 PayOverall77Tuyo CardOverall74
Gnosis PayOverall77Tuyo CardOverall74Scores
6 fields- Overall Score
- Gnosis Pay77Tuyo Card74
- Cashback score
- Gnosis Pay22Tuyo Card39
- Travel score
- Gnosis Pay100Tuyo Card42
- Funds control score
- Gnosis Pay90Tuyo Card100
- Lowest fees score
- Gnosis Pay87Tuyo Card71
- Transfers score
- Gnosis Pay91Tuyo Card72
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersTuyo CardSelf-custody wallet control, Virtual Visa with both phone wallets
- Trade-offs
- Gnosis PayConsumer card being discontinued; GNO cashback ends September 30, 2026Tuyo CardReward value is unpredictable, Virtual-only with no ATM access
Costs
7 fields- Plan cost
- Gnosis Pay$0Tuyo Card$0
- FX fee
- Gnosis Pay0%Tuyo Card1–3%
- Top-up fee
- Gnosis Pay0%Tuyo CardNot disclosed
- Card spending fee
- Gnosis Pay0%Tuyo Card0%
- ATM fee
- Gnosis Pay0–2%Tuyo CardNot available
- Virtual card
- Gnosis PayFree; available after the card application is acceptedTuyo CardFree
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeTuyo CardComing soon; not currently available
Plans
2 fields- Available plans
- Gnosis PayNot disclosedTuyo CardNot disclosed
- Top cashback plan
- Gnosis PayNot disclosedTuyo CardNot disclosed
Everyday use
8 fields- Network
- Gnosis PayVisaTuyo CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalTuyo CardVirtual
- ATM withdrawals
- Gnosis PayAvailableTuyo CardNot available
- Mobile wallets
- Gnosis PayApple Pay, Google PayTuyo CardApple Pay, Google Pay
- Apps
- Gnosis PayWebTuyo CardiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionTuyo CardUp to $10,000 per day; limits can change with usage and account history.
- Monthly spending limit
- Gnosis PayNot disclosedTuyo CardNo fixed monthly card-spend limit is publicly disclosed.
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayTuyo CardATM withdrawals are not currently supported.
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainTuyo CardEthereum, Base, Arbitrum, Optimism, Polygon
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeTuyo CardStablecoins: USDC
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANTuyo CardVirtual-account receiving
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundTuyo CardStablecoin transfers
- Payout currencies
- Gnosis PayEUReTuyo CardNot disclosed
Rewards
3 fields- Base cashback
- Gnosis Pay0%Tuyo Card0%
- Max cashback
- Gnosis Pay5%Tuyo Card100%
- Reward currency
- Gnosis PayGNO cashbackTuyo CardUSD
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredTuyo CardUp to 11% APY
- How it works
- Gnosis PayNot offeredTuyo CardEarn on spending balance, Optional earn vault
- Separate deposit
- Gnosis PayNot offeredTuyo CardYes
- Use balance for spending
- Gnosis PayNot offeredTuyo CardYes
- Lock-up
- Gnosis PayNot offeredTuyo CardNot disclosed
Trust & availability
9 fields- Custody
- Gnosis PaySelf-custodyTuyo CardSelf-custody
- Control until payment
- Gnosis PayYou keep controlTuyo CardYou keep control
- Card issuer
- Gnosis PayMonavateTuyo CardThird National
- Card processing
- Gnosis PayPaymentologyTuyo CardSignify Holdings, Inc. (Rain)
- Custody / key management
- Gnosis PaySafe{Wallet}Tuyo CardNot disclosed
- Deposits & withdrawals
- Gnosis PayNot disclosedTuyo CardBridge Ventures, Inc. (Bridge)
- Bank transfers
- Gnosis PayMoneriumTuyo CardBANEX Microfinance Bank Limited
- Identity verification
- Gnosis PaySumsubTuyo CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayTuyo CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Tuyo Card12
- Last reviewed
- Gnosis PaySep 6, 2026Tuyo CardAug 5, 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
Tuyo Card
05 · Common questions
Gnosis Pay vs Tuyo FAQ
Is Gnosis Pay or Tuyo 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 Tuyo?
Gnosis Pay has the lower published FX fee (0% vs 1–3%). 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 Tuyo?
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 Tuyo differ on custody?
Gnosis Pay and Tuyo Card use the same self-controlled wallet setup.
How current is this Gnosis Pay vs Tuyo comparison?
The latest information check for these two cards was September 6, 2026, using 29 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.