Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Whop: 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, 202637 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 Pay77Whop67Higher score
CashbackGnosis Pay22Whop39Compare the details below
TravelGnosis Pay100Whop58Compare the details below
Funds controlGnosis Pay90Whop74Compare the details below
Lowest feesGnosis Pay87Whop56Compare the details below
TransfersGnosis Pay91Whop92Compare 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 Whop Card if its day-to-day setup suits you
Whop 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.
- Spend Whop revenue before bank payout
- Five percent in three business categories
- Team controls and phone-wallet support
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Gnosis Pay77Whop67
Gnosis Pay has the higher Overall Score by 10 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXWhopNot verified plan · 1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed FX
Gnosis Pay has the lower published FX fee (0% vs 1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed).
- Purchase rewards
- Gnosis Pay0% base · up to 5%Whop0% base · up to 5%
Both cards show the same base cashback rate of 0%.
- Funds control
- Gnosis PaySelf-controlled walletWhopHybrid custody
Gnosis Pay uses a self-controlled wallet setup, while Whop 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 PayWhopVirtual + 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 outboundWhop2 stablecoins · Stablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1
Whop Card lists more stablecoins and ways to send money out (8 vs 4).
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
- Not disclosed
- FX fee
- 1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed
- ATM fee
- ATM access, issuer fee and limit are not separately confirmed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 2 fiat
- Payout methods
- 1 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 PayOverall77Whop CardOverall67
Gnosis PayOverall77Whop CardOverall67Scores
6 fields- Overall Score
- Gnosis Pay77Whop Card67
- Cashback score
- Gnosis Pay22Whop Card39
- Travel score
- Gnosis Pay100Whop Card58
- Funds control score
- Gnosis Pay90Whop Card74
- Lowest fees score
- Gnosis Pay87Whop Card56
- Transfers score
- Gnosis Pay91Whop Card92
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersWhop CardSpend Whop revenue before bank payout, Five percent in three business categories
- Trade-offs
- Gnosis PayConsumer card being discontinued; GNO cashback ends September 30, 2026Whop CardBusiness-only with strict country exclusions, Several costs and the foreign stack remain unclear
Costs
7 fields- Plan cost
- Gnosis Pay$0Whop CardNot disclosed
- FX fee
- Gnosis Pay0%Whop Card1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed
- Top-up fee
- Gnosis Pay0%Whop CardDirect card top-up fee unknown; a provider-account stored-payment-method top-up is 0%
- Card spending fee
- Gnosis Pay0%Whop Card0%
- ATM fee
- Gnosis Pay0–2%Whop CardATM access, issuer fee and limit are not separately confirmed
- Virtual card
- Gnosis PayFree; available after the card application is acceptedWhop CardNot disclosed
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeWhop CardNot disclosed
Plans
2 fields- Available plans
- Gnosis PayNot disclosedWhop CardNot disclosed
- Top cashback plan
- Gnosis PayNot disclosedWhop CardNot disclosed
Everyday use
8 fields- Network
- Gnosis PayVisaWhop CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalWhop CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableWhop CardNot disclosed
- Mobile wallets
- Gnosis PayApple Pay, Google PayWhop CardApple Pay, Google Pay
- Apps
- Gnosis PayWebWhop CardiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionWhop CardDynamic and collateral-dependent; users can set per-card controls, but no universal provider amount is published
- Monthly spending limit
- Gnosis PayNot disclosedWhop CardDynamic and collateral-dependent; Whop or issuer can change the aggregate or per-card limit
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayWhop CardATM access and numeric withdrawal limits are unclear
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainWhop CardEthereum, Polygon, Optimism, Arbitrum
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeWhop CardStablecoins: USDT
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANWhop CardStored payment method top-up, Dynamic bank deposit instructions
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundWhop CardStablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1
- Payout currencies
- Gnosis PayEUReWhop CardUSD
Rewards
3 fields- Base cashback
- Gnosis Pay0%Whop Card0%
- Max cashback
- Gnosis Pay5%Whop Card5%
- Reward currency
- Gnosis PayGNO cashbackWhop CardWhop account cash-back credit
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredWhop CardUp to 6% APY
- How it works
- Gnosis PayNot offeredWhop CardOptional earn vault
- Separate deposit
- Gnosis PayNot offeredWhop CardNo
- Use balance for spending
- Gnosis PayNot offeredWhop CardNot disclosed
- Lock-up
- Gnosis PayNot offeredWhop CardNo
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyWhop CardHybrid custody
- Control until payment
- Gnosis PayYou keep controlWhop CardProvider controls funds
- Card issuer
- Gnosis PayMonavateWhop CardThird National
- Card processing
- Gnosis PayPaymentologyWhop CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}Whop CardPrivy
- Bank transfers
- Gnosis PayMoneriumWhop CardNot disclosed
- Identity verification
- Gnosis PaySumsubWhop CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayWhop CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Whop Card20
- Last reviewed
- Gnosis PaySep 6, 2026Whop CardAug 11, 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
Whop Card
05 · Common questions
Gnosis Pay vs Whop FAQ
Is Gnosis Pay or Whop 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 Whop?
Gnosis Pay has the lower published FX fee (0% vs 1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed). 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 Whop?
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 Whop differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Whop 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 Whop comparison?
The latest information check for these two cards was September 6, 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.