Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs WhiteBIT Nova USD: 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 Oct 16, 202634 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 Pay77WhiteBIT Nova USD59Higher score
CashbackGnosis Pay22WhiteBIT Nova USD25Compare the details below
TravelGnosis Pay100WhiteBIT Nova USD36Compare the details below
Funds controlGnosis Pay90WhiteBIT Nova USD49Compare the details below
Lowest feesGnosis Pay87WhiteBIT Nova USD60Compare the details below
TransfersGnosis Pay91WhiteBIT Nova USD86Compare 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 WhiteBIT Nova USD if its day-to-day setup suits you
WhiteBIT Nova USD 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
- Spend selected exchange assets
- No monthly maintenance fee
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Gnosis Pay77WhiteBIT Nova USD59
Gnosis Pay has the higher Overall Score by 18 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXWhiteBIT Nova USDNot disclosed plan · 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete FX
Gnosis Pay has the lower published FX fee (0% vs 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete).
- Purchase rewards
- Gnosis Pay0% base · up to 5%WhiteBIT Nova USD0% base · up to 10%
Both cards show the same base cashback rate of 0%.
- Funds control
- Gnosis PaySelf-controlled walletWhiteBIT Nova USDCustodial balance
Gnosis Pay uses a self-controlled wallet setup, while WhiteBIT Nova USD uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Gnosis PayVirtual + Physical · Apple Pay, Google PayWhiteBIT Nova USDVirtual · 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 outboundWhiteBIT Nova USD2 stablecoins · Stablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
Both cards list the same number of stablecoins and ways to send money out.
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%-10%
- Plan cost
- Not disclosed
- FX fee
- 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 2 crypto · 1 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 PayOverall77WhiteBIT Nova USDOverall59
Gnosis PayOverall77WhiteBIT Nova USDOverall59Scores
6 fields- Overall Score
- Gnosis Pay77WhiteBIT Nova USD59
- Cashback score
- Gnosis Pay22WhiteBIT Nova USD25
- Travel score
- Gnosis Pay100WhiteBIT Nova USD36
- Funds control score
- Gnosis Pay90WhiteBIT Nova USD49
- Lowest fees score
- Gnosis Pay87WhiteBIT Nova USD60
- Transfers score
- Gnosis Pay91WhiteBIT Nova USD86
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersWhiteBIT Nova USDApple Pay and Google Pay, Spend selected exchange assets
- Trade-offs
- Gnosis PayConsumer card being discontinued; GNO cashback ends September 30, 2026WhiteBIT Nova USDA fee on every purchase, Category cashback stops at $25
Costs
7 fields- Plan cost
- Gnosis Pay$0WhiteBIT Nova USDNot disclosed
- FX fee
- Gnosis Pay0%WhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- Top-up fee
- Gnosis Pay0%WhiteBIT Nova USD0%
- Card spending fee
- Gnosis Pay0%WhiteBIT Nova USD$0.20 + 1.5%
- ATM fee
- Gnosis Pay0–2%WhiteBIT Nova USDNot available
- Virtual card
- Gnosis PayFree; available after the card application is acceptedWhiteBIT Nova USD$0 issuance
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeWhiteBIT Nova USDUnavailable for the current USD product
Plans
2 fields- Available plans
- Gnosis PayNot disclosedWhiteBIT Nova USDNot disclosed
- Top cashback plan
- Gnosis PayNot disclosedWhiteBIT Nova USDNot disclosed
Everyday use
8 fields- Network
- Gnosis PayVisaWhiteBIT Nova USDVisa
- Card formats
- Gnosis PayVirtual, PhysicalWhiteBIT Nova USDVirtual
- ATM withdrawals
- Gnosis PayAvailableWhiteBIT Nova USDNot available
- Mobile wallets
- Gnosis PayApple Pay, Google PayWhiteBIT Nova USDApple Pay, Google Pay
- Apps
- Gnosis PayWebWhiteBIT Nova USDWeb
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionWhiteBIT Nova USDUSD 40,000 daily
- Monthly spending limit
- Gnosis PayNot disclosedWhiteBIT Nova USDUSD 200,000 monthly
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayWhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainWhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeWhiteBIT Nova USDStablecoins: USDC, USDT
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANWhiteBIT Nova USDSEPA FINCI to WhiteBIT account
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundWhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
- Payout currencies
- Gnosis PayEUReWhiteBIT Nova USDEUR
Rewards
3 fields- Base cashback
- Gnosis Pay0%WhiteBIT Nova USD0%
- Max cashback
- Gnosis Pay5%WhiteBIT Nova USD10%
- Reward currency
- Gnosis PayGNO cashbackWhiteBIT Nova USDNot disclosed
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredWhiteBIT Nova USDNot offered
- How it works
- Gnosis PayNot offeredWhiteBIT Nova USDNot offered
- Separate deposit
- Gnosis PayNot offeredWhiteBIT Nova USDNot offered
- Use balance for spending
- Gnosis PayNot offeredWhiteBIT Nova USDNot offered
- Lock-up
- Gnosis PayNot offeredWhiteBIT Nova USDNot offered
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyWhiteBIT Nova USDCustodial
- Control until payment
- Gnosis PayYou keep controlWhiteBIT Nova USDProvider controls funds
- Card issuer
- Gnosis PayMonavateWhiteBIT Nova USDJSC Hash Bank
- Card processing
- Gnosis PayPaymentologyWhiteBIT Nova USDNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}WhiteBIT Nova USDNot disclosed
- Bank transfers
- Gnosis PayMoneriumWhiteBIT Nova USDNot disclosed
- Identity verification
- Gnosis PaySumsubWhiteBIT Nova USDNot disclosed
- Programme operator
- Gnosis PayGnosis PayWhiteBIT Nova USDNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17WhiteBIT Nova USD17
- Last reviewed
- Gnosis PaySep 6, 2026WhiteBIT Nova USDOct 16, 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
WhiteBIT Nova USD
05 · Common questions
Gnosis Pay vs WhiteBIT Nova USD FAQ
Is Gnosis Pay or WhiteBIT Nova USD 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 WhiteBIT Nova USD?
Gnosis Pay has the lower published FX fee (0% vs 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete). 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 WhiteBIT Nova USD?
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 WhiteBIT Nova USD differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while WhiteBIT Nova USD uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Gnosis Pay vs WhiteBIT Nova USD comparison?
The latest information check for these two cards was October 16, 2026, using 34 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.