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Gnosis Pay vs Crypto.com Card
Gnosis Pay is closing: its legacy card and web app stop at 23:59 UTC on 20 December 2026, with only the withdrawal function kept (notice dated 21 Sep 2026), so it is a choice only for existing holders planning their exit.
Pick Crypto.com Card if you need a card that keeps working: it is a custodial prepaid card, Visa in most regions; in the US the physical Basic card costs USD 4.99 and ATM cash is free up to 200–1,000 USD a month by tier (as of 26 Sep 2026).
Existing Gnosis Pay holders should download their transaction history before the closure and withdraw EURe, GBPe or USDCe with their Safe signer; the withdrawal function stays after 20 December, and Gnosis Pay partner cards come with separate terms.
Choose Gnosis Pay if
- You already hold the card: use it until 23:59 UTC on 20 Dec 2026, then move funds out with the withdrawal function
- You are moving to a Gnosis Pay partner card and accept its separate fees and limits
Choose Crypto.com Card if
- You need a card that keeps working after December 2026
- You are fine with custody on an exchange in return for Level Up rewards of 1.5%–4.5% (US, as of 26 Sep 2026)
- You live in the US, Europe, UK, Canada, Singapore, Australia or a supported GCC market
Key differences
| Attribute | Gnosis Pay | Crypto.com Card |
|---|---|---|
| Status | Gnosis PayClosing: the legacy card and web app stop at 23:59 UTC on 20 Dec 2026; withdrawals stay available (notice dated 21 Sep 2026) | Crypto.com CardActive, with separate programs for the US, Europe, UK, Canada, Singapore, Australia and select GCC markets |
| Custody | Gnosis PayNon-custodial Safe account; you need your signer to withdraw | Crypto.com CardCustodial prepaid card funded from your Crypto.com account |
| Assets and top-up | Gnosis PayLegacy balances in Monerium EURe/GBPe and bridged Circle USDCe | Crypto.com CardCrypto-to-card transfer; US top-ups also by debit card (1%), credit card (2.99%) or PayPal (2.1%) (as of 26 Sep 2026) |
| Card cost | Gnosis PayPartner cards have their own tariffs; legacy fees, limits and rewards do not carry over | Crypto.com CardUS: physical Basic USD 4.99, Ruby USD 29.99 depending on plan (as of 26 Sep 2026). EEA: Basic EUR 4.99 until 30 Sep 2026; new EEA tier rules from 1 Oct 2026 |
| ATM and FX | Gnosis PayLegacy terms apply while the card works, until 20 Dec 2026 | Crypto.com CardUS: 200–1,000 USD a month of free ATM cash by tier, then 2%; 3% FX on lower US tiers, none on higher tiers (as of 26 Sep 2026) |
| Rewards | Gnosis PayLegacy rewards end with the card; partner cards set their own | Crypto.com CardUS: none on Level Up Basic, 1.5% Plus, 2.5% Pro, 3.5% or 4.5% Private (as of 26 Sep 2026) |
What a trip costs with Crypto.com Card
Enter your trip and the cards are ranked by what they charge in fees, using each card’s published prices for where you live.
Enter foreign-currency amounts at their value in USD.
Assumes a USD card used in another currency outside Europe, so payments and cash are converted.
For this trip Crypto.com Midnight costs about 45.99 USD.
FAQ
When does the Gnosis Pay card stop working?
At 23:59 UTC on 20 December 2026, according to the closure notice dated 21 September 2026. The web app stops at the same time, except the withdrawal function, which stays available with your Safe signer.
What should Gnosis Pay holders do before 20 December 2026?
Download your transaction history, keep refund confirmations, and withdraw EURe, GBPe or USDCe after checking the destination network and token. Gnosis Pay partner cards have separate terms: legacy fees, limits and rewards do not carry over automatically.
Is Crypto.com Card a good replacement for Gnosis Pay?
Yes, if custody on an exchange suits you: in the US the physical Basic card costs USD 4.99, and rewards run from 1.5% on Level Up Plus to 4.5% on Private (as of 26 Sep 2026). If you used Gnosis Pay for self-custody, Tria is a self-custodial Visa card with annual fees of 25–250 USD (as of 31 Aug 2026).
Crypto card balances are not bank deposits, and fees and availability change, so check current terms before you load funds. How we compare