Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs XPlace: overall score versus use-case fit
Gnosis Pay has the higher Overall Score by 9 points (77 vs 68). Gnosis Pay looks stronger for Travel, Funds control, Lowest fees, and Transfers, while XPlace Card comes out ahead for Cashback.
Information checked Aug 27, 202643 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. XPlace Card may be the better fit for Cashback. 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 Pay77XPlace68Higher score
CashbackGnosis Pay22XPlace49Higher score
TravelGnosis Pay100XPlace61Higher score
Funds controlGnosis Pay89XPlace67Higher score
Lowest feesGnosis Pay87XPlace69Higher score
TransfersGnosis Pay91XPlace62Higher score
Choose Gnosis Pay if travel and funds control matter most
Gnosis Pay comes out ahead for Travel, Funds control, Lowest fees, and Transfers 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 XPlace Card if cashback matters most
XPlace Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Two distinct USDC spending modes
- Tiered USDC cashback with published caps
- Phone wallets and non-custodial collateral
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 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 4%
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
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%-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%-4%
- 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
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 PayOverall77XPlace CardOverall68
Gnosis PayOverall77XPlace CardOverall68Scores
6 fields- Overall Score
- Gnosis Pay77XPlace Card68
- Cashback score
- Gnosis Pay22XPlace Card49
- Travel score
- Gnosis Pay100XPlace Card61
- Funds control score
- Gnosis Pay89XPlace Card67
- Lowest fees score
- Gnosis Pay87XPlace Card69
- 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 PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesXPlace 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 available
- 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 Card4%
- 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 Card26
- Last reviewed
- Gnosis PayAug 6, 2026XPlace CardAug 27, 2026
04 · The trade-off
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 68 for XPlace Card. Gnosis Pay has the lower published FX fee (0% vs 0–1%). XPlace Card has the higher published base cashback rate (0.5% vs 0%).
XPlace Card still comes out ahead for Cashback, 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 XPlace Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 3). 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 XPlace Card reviews first.
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 has the higher Overall Score (77 vs 68). 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 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 August 27, 2026, using 43 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.