Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Xapo: 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, 202638 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 Pay77Xapo70Higher score
CashbackGnosis Pay22Xapo24Compare the details below
TravelGnosis Pay100Xapo91Compare the details below
Funds controlGnosis Pay90Xapo64Compare the details below
Lowest feesGnosis Pay87Xapo78Compare the details below
TransfersGnosis Pay91Xapo100Compare 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 Xapo Card if its day-to-day setup suits you
Xapo 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.
- No Xapo FX markup
- Account-backed bank and crypto rails
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Gnosis Pay77Xapo70
Gnosis Pay has the higher Overall Score by 7 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% base · up to 5%Xapo0% 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
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%-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
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 PayOverall77Xapo CardOverall70
Gnosis PayOverall77Xapo CardOverall70Scores
6 fields- Overall Score
- Gnosis Pay77Xapo Card70
- Cashback score
- Gnosis Pay22Xapo Card24
- Travel score
- Gnosis Pay100Xapo Card91
- Funds control score
- Gnosis Pay90Xapo Card64
- Lowest fees score
- Gnosis Pay87Xapo Card78
- 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 PayConsumer card being discontinued; GNO cashback ends September 30, 2026Xapo 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 Pay5%Xapo Card3%
- Reward currency
- Gnosis PayGNO cashbackXapo 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 PaySep 6, 2026Xapo CardSep 1, 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
Xapo Card
05 · Common questions
Gnosis Pay vs Xapo FAQ
Is Gnosis Pay or Xapo 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 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 6, 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.