Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Whop: overall score versus use-case fit
Gnosis Pay has the higher Overall Score by 10 points (77 vs 67). Gnosis Pay looks stronger for Travel, Funds control, and Lowest fees, while Whop Card comes out ahead for Cashback and Transfers.
Information checked Aug 11, 202637 official sources reviewed
01 · Overall score versus use-case fit
Gnosis Pay is the better all-round starting point
Gnosis Pay has the higher Overall Score in this comparison. Whop Card may be the better fit for Cashback and Transfers. 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 Pay77Whop67Higher score
CashbackGnosis Pay22Whop39Higher score
TravelGnosis Pay100Whop57Higher score
Funds controlGnosis Pay89Whop74Higher score
Lowest feesGnosis Pay87Whop56Higher score
TransfersGnosis Pay91Whop92Higher score
Choose Gnosis Pay if travel and funds control matter most
Gnosis Pay comes out ahead for Travel, Funds control, and Lowest fees 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 Whop Card if cashback and transfers matter most
Whop Card comes out ahead for Cashback 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 Whop revenue before bank payout
- Five percent in three business categories
- Team controls and phone-wallet support
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- 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
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- 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
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
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 Card57
- Funds control score
- Gnosis Pay89Whop 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 PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesWhop 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 PayAug 6, 2026Whop CardAug 11, 2026
04 · The trade-off
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 67 for Whop Card. 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). Both cards show the same base cashback rate of 0%.
Whop Card still comes out ahead for Cashback and Transfers, which may matter more than the overall result if that is how you plan to use the card. 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.
Whop Card lists more stablecoins and ways to send money out (8 vs 4). 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 Whop Card reviews first.
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 has the higher Overall Score (77 vs 67). 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 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 August 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.