NexoNexo
66
Side-by-side card comparison
Nexo vs Gnosis Pay: 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, 202631 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.
OverallNexo66Gnosis Pay77Higher score
CashbackNexo41Gnosis Pay22Compare the details below
TravelNexo65Gnosis Pay100Compare the details below
Funds controlNexo52Gnosis Pay90Compare the details below
Lowest feesNexo57Gnosis Pay87Compare the details below
TransfersNexo91Gnosis Pay91Compare the details below
Choose Nexo Card if its day-to-day setup suits you
Nexo 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.
- Choose debit spend or credit-line use
- No base monthly or annual card fee
- Virtual card works with phone wallets
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
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Nexo66Gnosis Pay77
Gnosis Pay has the higher Overall Score by 11 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXGnosis Pay$0 plan · 0% FX
Gnosis Pay has the lower published FX fee (0% vs 0.2–2.5%).
- Purchase rewards
- Nexo0.5% base · up to 2%Gnosis Pay0% base · up to 5%
Nexo Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- NexoCustodial balanceGnosis PaySelf-controlled wallet
Nexo Card uses a custodial balance setup, while Gnosis Pay uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- NexoVirtual + Physical · Apple Pay, Google PayGnosis PayVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Nexo2 stablecoins · Stablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalGnosis Pay3 stablecoins · Stablecoin transfers; IBAN outbound
Nexo Card lists more stablecoins and ways to send money out (5 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%-2%
- Plan cost
- $0
- FX fee
- 0.2–2.5%
- ATM fee
- 0–2%; minimum 1.99 EUR/GBP
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 10 crypto · 1 fiat
- Payout methods
- 4 crypto · 3 fiat
- 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
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
CardsNexo CardOverall66Gnosis PayOverall77
Nexo CardOverall66Gnosis PayOverall77Scores
6 fields- Overall Score
- Nexo Card66Gnosis Pay77
- Cashback score
- Nexo Card41Gnosis Pay22
- Travel score
- Nexo Card65Gnosis Pay100
- Funds control score
- Nexo Card52Gnosis Pay90
- Lowest fees score
- Nexo Card57Gnosis Pay87
- Transfers score
- Nexo Card91Gnosis Pay91
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feeGnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro users
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskGnosis PayConsumer card being discontinued; GNO cashback ends September 30, 2026
Costs
7 fields- Plan cost
- Nexo Card$0Gnosis Pay$0
- FX fee
- Nexo Card0.2–2.5%Gnosis Pay0%
- Top-up fee
- Nexo CardNot disclosedGnosis Pay0%
- Card spending fee
- Nexo CardNot disclosedGnosis Pay0%
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPGnosis Pay0–2%
- Virtual card
- Nexo CardAvailable from $50 account balanceGnosis PayFree; available after the card application is accepted
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierGnosis Pay30.23 EURe one-time; shipping free
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumGnosis PayNot disclosed
- Top cashback plan
- Nexo CardPlatinum: 2%Gnosis PayNot disclosed
Everyday use
8 fields- Network
- Nexo CardMastercardGnosis PayVisa
- Card formats
- Nexo CardVirtual, PhysicalGnosis PayVirtual, Physical
- ATM withdrawals
- Nexo CardAvailableGnosis PayAvailable
- Mobile wallets
- Nexo CardApple Pay, Google PayGnosis PayApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebGnosis PayWeb
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionGnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transaction
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthGnosis PayNot disclosed
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthGnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/day
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedGnosis PayGnosis Chain
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Gnosis PayStablecoins: EURe, GBPe, USDCe
- Fiat deposits
- Nexo CardNexo account bank depositGnosis PayReceive-only SEPA IBAN
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalGnosis PayStablecoin transfers; IBAN outbound
- Payout currencies
- Nexo CardEUR, GBP, USDGnosis PayEURe
Rewards
3 fields- Base cashback
- Nexo Card0.5%Gnosis Pay0%
- Max cashback
- Nexo Card2%Gnosis Pay5%
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackGnosis PayGNO cashback
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYGnosis PayNot offered
- How it works
- Nexo CardEarn on spending balanceGnosis PayNot offered
- Separate deposit
- Nexo CardNot disclosedGnosis PayNot offered
- Use balance for spending
- Nexo CardYesGnosis PayNot offered
- Lock-up
- Nexo CardNoGnosis PayNot offered
Trust & availability
8 fields- Custody
- Nexo CardCustodialGnosis PaySelf-custody
- Control until payment
- Nexo CardProvider controls fundsGnosis PayYou keep control
- Card issuer
- Nexo CardDiPocket UABGnosis PayMonavate
- Card processing
- Nexo CardNot disclosedGnosis PayPaymentology
- Custody / key management
- Nexo CardNot disclosedGnosis PaySafe{Wallet}
- Bank transfers
- Nexo CardNot disclosedGnosis PayMonerium
- Identity verification
- Nexo CardNot disclosedGnosis PaySumsub
- Programme operator
- Nexo CardNexo Services Sp. z o.o.Gnosis PayGnosis Pay
Sources
2 fields- Official sources
- Nexo Card14Gnosis Pay17
- Last reviewed
- Nexo CardSep 2, 2026Gnosis PaySep 6, 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
Nexo Card
Continue with
Gnosis Pay
05 · Common questions
Nexo vs Gnosis Pay FAQ
Is Nexo or Gnosis Pay 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, Nexo or Gnosis Pay?
Gnosis Pay has the lower published FX fee (0% vs 0.2–2.5%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Nexo or Gnosis Pay?
Nexo 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 Nexo and Gnosis Pay differ on custody?
Nexo Card uses a custodial balance setup, while Gnosis Pay uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Nexo vs Gnosis Pay comparison?
The latest information check for these two cards was September 6, 2026, using 31 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.