NexoNexo
65
Side-by-side card comparison
Nexo vs Gnosis Pay: overall score versus use-case fit
Gnosis Pay has the higher Overall Score by 12 points (77 vs 65). Nexo Card looks stronger for Cashback, while Gnosis Pay comes out ahead for Travel, Funds control, and Lowest fees.
Information checked Aug 6, 202630 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. Nexo 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.
OverallNexo65Gnosis Pay77Higher score
CashbackNexo41Gnosis Pay22Higher score
TravelNexo65Gnosis Pay100Higher score
Funds controlNexo52Gnosis Pay89Higher score
Lowest feesNexo57Gnosis Pay87Higher score
TransfersNexo91Gnosis Pay91Same score
Choose Nexo Card if cashback matters most
Nexo 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.
- Choose debit spend or credit-line use
- No base monthly or annual card fee
- Virtual card works with phone wallets
Choose Gnosis Pay if travel and funds control matter most
Gnosis Pay comes out ahead for 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
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
- Nexo65Gnosis Pay77
Gnosis Pay has the higher Overall Score by 12 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
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%-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
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
CardsNexo CardOverall65Gnosis PayOverall77
Nexo CardOverall65Gnosis PayOverall77Scores
6 fields- Overall Score
- Nexo Card65Gnosis Pay77
- Cashback score
- Nexo Card41Gnosis Pay22
- Travel score
- Nexo Card65Gnosis Pay100
- Funds control score
- Nexo Card52Gnosis Pay89
- 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 PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rules
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 Card13Gnosis Pay17
- Last reviewed
- Nexo CardAug 5, 2026Gnosis PayAug 6, 2026
04 · The trade-off
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 65 for Nexo Card. Gnosis Pay has the lower published FX fee (0% vs 0.2–2.5%). Nexo Card has the higher published base cashback rate (0.5% vs 0%).
Nexo 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. 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.
Nexo Card lists more stablecoins and ways to send money out (5 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 Nexo Card and Gnosis Pay reviews first.
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 has the higher Overall Score (77 vs 65). 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, 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 August 6, 2026, using 30 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.