Rebind SASRebind
69
Side-by-side card comparison
Rebind vs Payy
Rebind Card has the higher Overall Score by 7 points (69 vs 62). Rebind Card looks stronger for Cashback, Travel, and Lowest fees, while Payy Card comes out ahead for Funds control and Transfers.
Latest check Sep 5, 202640 official sources reviewed
Rebind Card
Best fit
- EU users who want EURe spending through a separate card Safe.
- Foreign purchases at Visa rates without an added Gnosis FX markup.
- Paying with Apple Pay or Google Pay without a virtual-card issuance fee.
Before you choose
- Move EURe to the card wallet before spending; savings are separate.
- Cashback enrollment and rates are unconfirmed; do not count on rewards.
- Native issuance is virtual-only; ATM access for new cards is unconfirmed.
Payy Card
Best fit
- Spending self-custodied USDC from Payy Wallet through a virtual Visa.
- Using Payy Network's private settlement for wallet-funded card purchases.
- Sending Payy payment links with no Payy network transfer fee.
Before you choose
- Foreign-currency purchases carry a combined 1–3% conversion charge.
- There is no purchase cashback; Payy Points have no monetary value.
- The physical card is sold out and ATM access is not open to regular users.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsRebind CardOverall69Payy CardOverall62
Rebind CardOverall69Payy CardOverall62Scores
- Overall Score
- Rebind Card69Payy Card62
- Cashback score
- Rebind Card32Payy Card17
- Travel score
- Rebind Card53Payy Card27
- Funds control score
- Rebind Card88Payy Card97
- Lowest fees score
- Rebind Card67Payy Card57
- Transfers score
- Rebind Card41Payy Card68
Costs
- Plan cost
- Rebind CardNot disclosedPayy Card$0
- FX fee
- Rebind CardNo added Gnosis FX fee; Visa rate appliesPayy Card1–3%
- Top-up fee
- Rebind Card0%Payy Card0%
- Card spending fee
- Rebind Card0%Payy Card0%
- ATM fee
- Rebind CardNot disclosedPayy CardNot available
- Virtual card
- Rebind CardFreePayy CardFree; instant after KYC
- Physical card
- Rebind CardNot offered through native Rebind issuance yetPayy CardNot disclosed
Plans
- Available plans
- Rebind CardNot disclosedPayy CardNot disclosed
- Top cashback plan
- Rebind CardNot disclosedPayy CardNot disclosed
Everyday use
- Network
- Rebind CardVisaPayy CardVisa/Other network
- Card formats
- Rebind CardVirtualPayy CardVirtual
- ATM withdrawals
- Rebind CardNot disclosedPayy CardNot available
- Mobile wallets
- Rebind CardApple Pay, Google PayPayy CardApple Pay, Google Pay
- Apps
- Rebind CardiOS, AndroidPayy CardiOS, Android
- Daily spending limit
- Rebind Card8,000 EURe over rolling 24 hours; 5,000 EURe per purchasePayy CardNot disclosed
- Monthly spending limit
- Rebind CardMonthly spending limit unclearPayy CardNot disclosed
- ATM limit
- Rebind Card250 EURe per withdrawal and 500 EURe daily under the Gnosis programme; virtual access unclearPayy CardNot disclosed
Funding & transfers
- Networks
- Rebind CardGnosisPayy CardPolygon, Payy Network
- Crypto deposits
- Rebind CardStablecoins: EURePayy CardStablecoins: USDC
- Fiat deposits
- Rebind CardNot disclosedPayy CardBank-account deposit
- Transfers
- Rebind CardNot disclosedPayy CardStablecoin transfers; Payy payment links
- Payout currencies
- Rebind CardNot disclosedPayy CardNot disclosed
Rewards
- Base cashback
- Rebind CardNot disclosedPayy Card0%
- Max cashback
- Rebind CardNot disclosedPayy Card0%
- Reward currency
- Rebind CardNot disclosedPayy CardNo cashback
Earn
- Advertised APY
- Rebind CardUp to 8% APYPayy CardNot offered
- How it works
- Rebind CardOptional earn vaultPayy CardNot offered
- Separate deposit
- Rebind CardYesPayy CardNot offered
- Use balance for spending
- Rebind CardNoPayy CardNot offered
- Lock-up
- Rebind CardNoPayy CardNot offered
Trust & availability
- Custody
- Rebind CardNon-custodialPayy CardSelf-custody
- Control until payment
- Rebind CardYou keep controlPayy CardYou keep control
- Card issuer
- Rebind CardUAB MonavatePayy CardThird National / Rain
- Card processing
- Rebind CardGnosis PayPayy CardRain
- Deposits & withdrawals
- Rebind CardMoneriumPayy CardNot disclosed
Sources
- Official sources
- Rebind Card35Payy Card5
- Last reviewed
- Rebind CardSep 5, 2026Payy CardAug 5, 2026
Choosing between these cards
When to choose Rebind or Payy
Spending in foreign currencies
For FX on foreign-currency purchases, Rebind lists No added Gnosis FX fee; Visa rate applies, versus 1–3% at Payy. Use the tariff for your country and plan; conversion fees can add to these figures.
Using the crypto you already hold
Rebind's reviewed deposit assets include EURe; Payy's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
Rebind vs Payy FAQ
Is Rebind or Payy better overall?
Rebind Card has the higher Overall Score (69 vs 62). 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, Rebind or Payy?
Rebind Card has the lower published FX fee (No added Gnosis FX fee; Visa rate applies vs 1–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Rebind or Payy?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Rebind and Payy differ on custody?
Rebind Card uses a non-custodial account setup, while Payy Card 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 Rebind vs Payy comparison?
The latest information check for these two cards was September 5, 2026, using 40 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.