Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs XPlace: 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 20, 202644 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 Pay77XPlace68Higher score
CashbackGnosis Pay22XPlace49Compare the details below
TravelGnosis Pay100XPlace65Compare the details below
Funds controlGnosis Pay90XPlace67Compare the details below
Lowest feesGnosis Pay87XPlace65Compare the details below
TransfersGnosis Pay91XPlace62Compare 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 XPlace Card if its day-to-day setup suits you
XPlace 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.
- Two distinct USDC spending modes
- Tiered USDC cashback with published caps
- Phone wallets and non-custodial collateral
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Gnosis Pay77XPlace68
Gnosis Pay has the higher Overall Score by 9 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXXPlace$0 plan · 0–1% FX
Gnosis Pay has the lower published FX fee (0% vs 0–1%).
- Purchase rewards
- Gnosis Pay0% base · up to 5%XPlace0.5% base · up to 2%
XPlace Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- Gnosis PaySelf-controlled walletXPlaceHybrid custody
Gnosis Pay uses a self-controlled wallet setup, while XPlace 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 PayXPlaceVirtual + 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 outboundXPlace2 stablecoins · Stablecoin transfers
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 3).
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
- 0.5%-2%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 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 PayOverall77XPlace CardOverall68
Gnosis PayOverall77XPlace CardOverall68Scores
6 fields- Overall Score
- Gnosis Pay77XPlace Card68
- Cashback score
- Gnosis Pay22XPlace Card49
- Travel score
- Gnosis Pay100XPlace Card65
- Funds control score
- Gnosis Pay90XPlace Card67
- Lowest fees score
- Gnosis Pay87XPlace Card65
- Transfers score
- Gnosis Pay91XPlace Card62
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersXPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published caps
- Trade-offs
- Gnosis PayConsumer card being discontinued; GNO cashback ends September 30, 2026XPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layers
Costs
7 fields- Plan cost
- Gnosis Pay$0XPlace Card$0
- FX fee
- Gnosis Pay0%XPlace Card0–1%
- Top-up fee
- Gnosis Pay0%XPlace CardProvider fee not published; external network or bridge costs may apply and are not card fees
- Card spending fee
- Gnosis Pay0%XPlace Card0%
- ATM fee
- Gnosis Pay0–2%XPlace CardNot available
- Virtual card
- Gnosis PayFree; available after the card application is acceptedXPlace CardNot disclosed
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeXPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.
Plans
2 fields- Available plans
- Gnosis PayNot disclosedXPlace Card4 plans: Basic, Silver, Gold, Platinum
- Top cashback plan
- Gnosis PayNot disclosedXPlace CardPlatinum: 2%
Everyday use
8 fields- Network
- Gnosis PayVisaXPlace CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalXPlace CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableXPlace CardNot disclosed
- Mobile wallets
- Gnosis PayApple Pay, Google PayXPlace CardApple Pay, Google Pay
- Apps
- Gnosis PayWebXPlace CardiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionXPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controls
- Monthly spending limit
- Gnosis PayNot disclosedXPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per month
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayXPlace CardNot available while only the virtual card is live
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainXPlace CardSolana
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeXPlace CardStablecoins: USDC
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANXPlace CardNot disclosed
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundXPlace CardStablecoin transfers
- Payout currencies
- Gnosis PayEUReXPlace CardNot disclosed
Rewards
3 fields- Base cashback
- Gnosis Pay0%XPlace Card0.5%
- Max cashback
- Gnosis Pay5%XPlace Card2%
- Reward currency
- Gnosis PayGNO cashbackXPlace CardUSDC
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredXPlace CardUp to 6.15% APY
- How it works
- Gnosis PayNot offeredXPlace CardBorrow against collateral, Optional earn vault
- Separate deposit
- Gnosis PayNot offeredXPlace CardYes
- Use balance for spending
- Gnosis PayNot offeredXPlace CardNo
- Lock-up
- Gnosis PayNot offeredXPlace CardNo
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyXPlace CardHybrid custody
- Control until payment
- Gnosis PayYou keep controlXPlace CardProvider controls funds
- Card issuer
- Gnosis PayMonavateXPlace CardThird National
- Card processing
- Gnosis PayPaymentologyXPlace CardSignify Holdings, Inc. (Rain)
- Custody / key management
- Gnosis PaySafe{Wallet}XPlace CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumXPlace CardNot disclosed
- Identity verification
- Gnosis PaySumsubXPlace CardSumsub
- Programme operator
- Gnosis PayGnosis PayXPlace CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17XPlace Card27
- Last reviewed
- Gnosis PaySep 6, 2026XPlace CardSep 20, 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
XPlace Card
05 · Common questions
Gnosis Pay vs XPlace FAQ
Is Gnosis Pay or XPlace 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 XPlace?
Gnosis Pay has the lower published FX fee (0% vs 0–1%). 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 XPlace?
XPlace 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 XPlace differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while XPlace 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 XPlace comparison?
The latest information check for these two cards was September 20, 2026, using 44 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.