Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Wirex One: same score, different trade-offs
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, 202653 official sources reviewed
01 · A level score
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 Pay77Wirex One77Same score
CashbackGnosis Pay22Wirex One70Compare the details below
TravelGnosis Pay100Wirex One85Compare the details below
Funds controlGnosis Pay90Wirex One73Compare the details below
Lowest feesGnosis Pay87Wirex One68Compare the details below
TransfersGnosis Pay91Wirex One94Compare 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 Wirex One Card if its day-to-day setup suits you
Wirex One 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.
- Five current card tiers
- 0.5% to 8% cashback in USD
- Self-custodial digital assets
Where the cards part company
A tied score can hide meaningful differences in cost, custody, rewards and everyday access.
- Overall Score
- Gnosis Pay77Wirex One77
Both cards have the same displayed Overall Score of 77.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXWirex One$0 plan · 0% 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%Wirex One0.5% base · up to 8%
Wirex One Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- Gnosis PaySelf-controlled walletWirex OneNon-custodial account
Gnosis Pay uses a self-controlled wallet setup, while Wirex One Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Gnosis PayVirtual + Physical · Apple Pay, Google PayWirex OneVirtual + 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 outboundWirex One3 stablecoins · Stablecoin transfers; Pay to an external card, Bank account payouts
Wirex One Card lists more stablecoins and ways to send money out (6 vs 4).
02 · Read the shortlist
A closer look at the tie
The score is level. These quick facts show where the cards still ask you to make a choice.
- 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%-8%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 2 fiat
- Payout methods
- 3 crypto · 3 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Put 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 PayOverall77Wirex One CardOverall77
Gnosis PayOverall77Wirex One CardOverall77Scores
6 fields- Overall Score
- Gnosis Pay77Wirex One Card77
- Cashback score
- Gnosis Pay22Wirex One Card70
- Travel score
- Gnosis Pay100Wirex One Card85
- Funds control score
- Gnosis Pay90Wirex One Card73
- Lowest fees score
- Gnosis Pay87Wirex One Card68
- Transfers score
- Gnosis Pay91Wirex One Card94
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersWirex One CardFive current card tiers, 0.5% to 8% cashback in USD
- Trade-offs
- Gnosis PayConsumer card being discontinued; GNO cashback ends September 30, 2026Wirex One CardHigher tiers require WPAY exposure, Limits remain region-specific
Costs
7 fields- Plan cost
- Gnosis Pay$0Wirex One Card$0
- FX fee
- Gnosis Pay0%Wirex One Card0%
- Top-up fee
- Gnosis Pay0%Wirex One CardNot disclosed
- Card spending fee
- Gnosis Pay0%Wirex One CardNot disclosed
- ATM fee
- Gnosis Pay0–2%Wirex One Card2%
- Virtual card
- Gnosis PayFree; available after the card application is acceptedWirex One CardIncluded on every membership tier
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeWirex One CardPlastic from Premium; Visa Signature Metal from Private
Plans
2 fields- Available plans
- Gnosis PayNot disclosedWirex One Card5 plans: Base, Premium, Elite, Private +1
- Top cashback plan
- Gnosis PayNot disclosedWirex One CardBespoke: 8%
Everyday use
8 fields- Network
- Gnosis PayVisaWirex One CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalWirex One CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableWirex One CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayWirex One CardApple Pay, Google Pay
- Apps
- Gnosis PayWebWirex One CardiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionWirex One CardEEA card-spend limit: €30,000/day and €30,000 per transaction; other regions are shown in app
- Monthly spending limit
- Gnosis PayNot disclosedWirex One CardEEA card-spend limit: €30,000/month; other regions are shown in app
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayWirex One CardEEA physical/Metal ATM limit: €500/day, €5,000/month and 5 withdrawals/day; 2% above the free allowance
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainWirex One CardNot disclosed
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeWirex One CardStablecoins: USDC, USDT, EURC
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANWirex One CardBank funding, External card top-up
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundWirex One CardStablecoin transfers; Pay to an external card, Bank account payouts
- Payout currencies
- Gnosis PayEUReWirex One CardUSD, EUR, GBP
Rewards
3 fields- Base cashback
- Gnosis Pay0%Wirex One Card0.5%
- Max cashback
- Gnosis Pay5%Wirex One Card8%
- Reward currency
- Gnosis PayGNO cashbackWirex One CardUSD cashback
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredWirex One CardNot offered
- How it works
- Gnosis PayNot offeredWirex One CardNot offered
- Separate deposit
- Gnosis PayNot offeredWirex One CardNot offered
- Use balance for spending
- Gnosis PayNot offeredWirex One CardNot offered
- Lock-up
- Gnosis PayNot offeredWirex One CardNot offered
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyWirex One CardNon-custodial
- Control until payment
- Gnosis PayYou keep controlWirex One CardNot disclosed
- Card issuer
- Gnosis PayMonavateWirex One CardTransact Payments Malta Limited, Novatti Group Limited
- Card processing
- Gnosis PayPaymentologyWirex One CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}Wirex One CardPrivy Technologies, Inc.
- Bank transfers
- Gnosis PayMoneriumWirex One CardNot disclosed
- Identity verification
- Gnosis PaySumsubWirex One CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayWirex One CardUAB Wirex
Sources
2 fields- Official sources
- Gnosis Pay17Wirex One Card36
- Last reviewed
- Gnosis PaySep 6, 2026Wirex One CardAug 12, 2026
04 · The closer call
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
Wirex One Card
05 · Common questions
Gnosis Pay vs Wirex One FAQ
Is Gnosis Pay or Wirex One 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 Wirex One?
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 Wirex One?
Wirex One Card has the higher published base cashback rate (0.5% vs 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 Wirex One differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Wirex One Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Gnosis Pay vs Wirex One comparison?
The latest information check for these two cards was September 6, 2026, using 53 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.