Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Wirex One: same score, different trade-offs
Gnosis Pay and Wirex One Card share an Overall Score of 77. Gnosis Pay looks stronger for Travel, Funds control, and Lowest fees, while Wirex One Card comes out ahead for Cashback and Transfers.
Information checked Aug 12, 202653 official sources reviewed
01 · A level score
The scores are tied, but the cards are not the same
Gnosis Pay and Wirex One Card have the same Overall Score. Start with what matters most to you: day-to-day costs, rewards, control of your funds or moving money. The sections below show how they differ. You should also check that your preferred card is available in your country.
OverallGnosis Pay77Wirex One77Same score
CashbackGnosis Pay22Wirex One70Higher score
TravelGnosis Pay100Wirex One85Higher score
Funds controlGnosis Pay89Wirex One73Higher score
Lowest feesGnosis Pay87Wirex One68Higher score
TransfersGnosis Pay91Wirex One94Higher 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 Wirex One Card if cashback and transfers matter most
Wirex One 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.
- 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
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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 Pay89Wirex 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 PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesWirex 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 PayAug 6, 2026Wirex One CardAug 12, 2026
04 · The closer call
Gnosis Pay and Wirex One Card need a closer personal call
The Overall Score ends level at 77, so there is no honest all-round winner here. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Wirex One Card has the higher published base cashback rate (0.5% vs 0%).
Gnosis Pay looks stronger for Travel, Funds control, and Lowest fees, while Wirex One Card comes out ahead for Cashback and Transfers. 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.
Wirex One Card lists more stablecoins and ways to send money out (6 vs 4). Your final check should be whether the card is available where you live and whether the latest provider terms match the features you expect to use.
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 Wirex One Card reviews first.
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 and Wirex One Card tie at 77 in the Overall Score. Compare their costs, rewards, way of holding funds and everyday features to decide which suits you.
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 August 12, 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.