Rebind SASRebind
69
Side-by-side card comparison
Rebind vs Payy: where the score gap comes from
Rebind Card has the higher Overall Score by 7 points (69 vs 62). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 5, 202640 official sources reviewed
01 · Where the gap opens
Rebind Card is the better all-round starting point
Rebind Card has the higher Overall Score in this comparison. Payy Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallRebind69Payy62Higher score
CashbackRebind32Payy17Compare the details below
TravelRebind53Payy27Compare the details below
Funds controlRebind88Payy97Compare the details below
Lowest feesRebind67Payy57Compare the details below
TransfersRebind41Payy68Compare the details below
Choose Rebind Card if its day-to-day setup suits you
Rebind 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.
- No added FX markup
- Free virtual Visa
- A separate self-custodial balance
Choose Payy Card if its day-to-day setup suits you
Payy 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.
- Self-custody wallet control
- No monthly or transaction fee
- Instant virtual Visa with phone wallets
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Rebind69Payy62
Rebind Card has the higher Overall Score by 7 points.
- Entry cost & FX
- RebindNot verified plan · No added Gnosis FX fee; Visa rate applies FXPayy$0 plan · 1–3% FX
Rebind Card has the lower published FX fee (No added Gnosis FX fee; Visa rate applies vs 1–3%).
- Purchase rewards
- RebindNot disclosedPayy0% cashback
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- RebindNon-custodial accountPayySelf-controlled wallet
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.
- Everyday access
- RebindVirtual · Apple Pay, Google PayPayyVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Rebind1 stablecoin · Not modeledPayy1 stablecoin · Stablecoin transfers; Payy payment links
Payy Card lists more stablecoins and ways to send money out (3 vs 1).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- Cashback
- Not disclosed
- Plan cost
- Not disclosed
- FX fee
- No added Gnosis FX fee; Visa rate applies
- ATM fee
- Not disclosed
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 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
CardsRebind CardOverall69Payy CardOverall62
Rebind CardOverall69Payy CardOverall62Scores
6 fields- 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
Strengths & trade-offs
2 fields- Strengths
- Rebind CardNo added FX markup, Free virtual VisaPayy CardSelf-custody wallet control, No monthly or transaction fee
- Trade-offs
- Rebind CardCashback eligibility needs confirmation, EU access restrictionsPayy CardFX can reach 3%, Cash and physical access are constrained
Costs
7 fields- 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
2 fields- Available plans
- Rebind CardNot disclosedPayy CardNot disclosed
- Top cashback plan
- Rebind CardNot disclosedPayy CardNot disclosed
Everyday use
8 fields- 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
5 fields- 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
3 fields- Base cashback
- Rebind CardNot disclosedPayy Card0%
- Max cashback
- Rebind CardNot disclosedPayy Card0%
- Reward currency
- Rebind CardNot disclosedPayy CardNo cashback
Earn
5 fields- 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
5 fields- 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
2 fields- Official sources
- Rebind Card35Payy Card5
- Last reviewed
- Rebind CardSep 5, 2026Payy CardAug 5, 2026
04 · The verdict
Rebind Card is the stronger all-round choice
Rebind Card finishes ahead with an Overall Score of 69 versus 62 for Payy Card. Rebind Card has the lower published FX fee (No added Gnosis FX fee; Visa rate applies vs 1–3%). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Payy Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. 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.
Payy Card lists more stablecoins and ways to send money out (3 vs 1). 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 Rebind Card and Payy Card reviews first.
Continue with
Rebind Card
Continue with
Payy Card
05 · 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.