Gnosis PayGnosis Pay
76
Side-by-side card comparison
Gnosis Pay vs Xapo: overall score versus use-case fit
Gnosis Pay has the higher Overall Score by 6 points (76 vs 70). Gnosis Pay looks stronger for Cashback, Travel, Funds control, and Lowest fees, while Xapo Card comes out ahead for Transfers.
Information checked Sep 1, 202638 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. Xapo Card may be the better fit for 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 Pay76Xapo70Higher score
CashbackGnosis Pay25Xapo24Higher score
TravelGnosis Pay100Xapo91Higher score
Funds controlGnosis Pay89Xapo63Higher score
Lowest feesGnosis Pay87Xapo77Higher score
TransfersGnosis Pay91Xapo100Higher score
Choose Gnosis Pay if cashback and travel matter most
Gnosis Pay comes out ahead for Cashback, 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 Xapo Card if transfers matters most
Xapo Card comes out ahead for Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No Xapo FX markup
- Account-backed bank and crypto rails
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 Pay76Xapo70
Gnosis Pay has the higher Overall Score by 6 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXXapo$1,000/year plan · 0–0.29% FX
Gnosis Pay has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Gnosis Pay0% cashbackXapo0% base · up to 3%
Both cards show the same base cashback rate of 0%.
- Funds control
- Gnosis PaySelf-controlled walletXapoCustodial balance
Gnosis Pay uses a self-controlled wallet setup, while Xapo Card 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 PayXapoVirtual + Physical · Unknown
Gnosis Pay lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Gnosis Pay3 stablecoins · Stablecoin transfers; IBAN outboundXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Xapo 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%
- 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%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 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 PayOverall76Xapo CardOverall70
Gnosis PayOverall76Xapo CardOverall70Scores
6 fields- Overall Score
- Gnosis Pay76Xapo Card70
- Cashback score
- Gnosis Pay25Xapo Card24
- Travel score
- Gnosis Pay100Xapo Card91
- Funds control score
- Gnosis Pay89Xapo Card63
- Lowest fees score
- Gnosis Pay87Xapo Card77
- Transfers score
- Gnosis Pay91Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Gnosis PaySetup is more complex than prepaid cards, The GNO cashback programme has endedXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Gnosis Pay$0Xapo Card$1,000/year
- FX fee
- Gnosis Pay0%Xapo Card0–0.29%
- Top-up fee
- Gnosis Pay0%Xapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Gnosis Pay0%Xapo Card0%
- ATM fee
- Gnosis Pay0–2%Xapo Card0–2%
- Virtual card
- Gnosis PayFree; available after the card application is acceptedXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Gnosis PayNot disclosedXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Gnosis PayNot disclosedXapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Gnosis PayVisaXapo CardVisa/Mastercard
- Card formats
- Gnosis PayVirtual, PhysicalXapo CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableXapo CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayXapo CardNot disclosed
- Apps
- Gnosis PayWebXapo CardiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Gnosis PayNot disclosedXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Gnosis PayEUReXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Gnosis Pay0%Xapo Card0%
- Max cashback
- Gnosis Pay0%Xapo Card3%
- Reward currency
- Gnosis PayNot applicableXapo CardBTC
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredXapo CardUp to 3.35% APY
- How it works
- Gnosis PayNot offeredXapo CardEarn on spending balance
- Separate deposit
- Gnosis PayNot offeredXapo CardNo
- Use balance for spending
- Gnosis PayNot offeredXapo CardYes
- Lock-up
- Gnosis PayNot offeredXapo CardNo
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyXapo CardCustodial
- Control until payment
- Gnosis PayYou keep controlXapo CardProvider controls funds
- Card issuer
- Gnosis PayMonavateXapo CardTransact Payments Malta Limited
- Card processing
- Gnosis PayPaymentologyXapo CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}Xapo CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumXapo CardXapo Bank Limited
- Identity verification
- Gnosis PaySumsubXapo CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayXapo CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Xapo Card21
- Last reviewed
- Gnosis PayAug 31, 2026Xapo CardSep 1, 2026
04 · The trade-off
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 76 versus 70 for Xapo Card. Gnosis Pay has the lower starting plan cost ($0 vs $1,000/year). Both cards show the same base cashback rate of 0%.
Xapo Card still comes out ahead for 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 Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Xapo 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 Xapo Card reviews first.
Continue with
Gnosis Pay
Continue with
Xapo Card
05 · Common questions
Gnosis Pay vs Xapo FAQ
Is Gnosis Pay or Xapo better overall?
Gnosis Pay has the higher Overall Score (76 vs 70). 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 Xapo?
Gnosis Pay has the lower starting plan cost ($0 vs $1,000/year). 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 Xapo?
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 Xapo differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Xapo Card 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 Xapo comparison?
The latest information check for these two cards was September 1, 2026, using 38 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.