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Gnosis Pay vs Crypto.com Card
A side-by-side comparison of Gnosis Pay and Crypto.com Card — fees, FX, ATM access, cashback, custody, availability and travel use — so you can pick the right one or run both as backups.
Self-custodial Visa debit card spending stablecoins from a Safe account.
Tiered prepaid crypto card with very regional fee tables.
| Attribute | Gnosis Pay | Crypto.com Card |
|---|---|---|
| Best for | Self-custodial stablecoin spending in the EEA/UK/CH | Existing Crypto.com app users |
| Availability | Region-dependent | Region-dependent |
| Type | Physical | Virtual + physical |
| Custody | Non-custodial | Custodial |
| KYC | Required | Required |
| FX | No added FX fee stated; the underlying Visa/stablecoin conversion rate still applies | US example: 3% on lower/mid tiers for non-USD purchases and ATM withdrawals; no fee on higher tiers |
| ATM | Up to 5 withdrawals or 200 EURe/GBPe/USDCe free per month (whichever comes first), then 2% per withdrawal | US example: 2% above monthly free ATM allowance |
| Monthly | No monthly fee stated | No standard monthly card fee found; US inactivity fee after 12 months may apply |
| Cashback | Tiered GNO cashback up to 5% on eligible spend (rate depends on GNO held), plus a 1% boost for OG NFT holders; paid weekly | CRO-staked tiers as of 2026: Midnight Blue 0% (no stake), Ruby Steel 2% (~500 USD CRO), Royal Indigo/Jade Green 3% (~5,000 USD), Icy White/Rose Gold 5% (~50,000 USD), Obsidian 5% (~500,000 USD); non-staking spend rewards were removed in late 2025, so cashback now requires maintaining the CRO stake; paid in CRO with a 180-day lock and monthly caps |
| Apple Pay | Yes | Yes |
| Google Pay | Unknown | Yes |
Choose Gnosis Pay if
- EEA, UK and Swiss users who want self-custodial stablecoin spending
- Users comfortable managing a Safe smart account
Choose Crypto.com Card if
- Existing Crypto.com users comparing a regional card tier
- Users who will read the exact country fee page before applying
Related next steps
Not financial advice. Fees, availability and terms change — confirm current official terms with each provider before signing up.
FAQ
Which is cheaper, Gnosis Pay or Crypto.com Card?
It depends on how you spend. Compare the FX, ATM and monthly fees in the table for your real usage, and remember cashback and rewards only help if you actually redeem them.
Can I use both together?
Often yes. Many travelers keep one as the primary option and the other as a backup rail, which protects you if one has an outage, a block or a regional limit.
Is either a full bank replacement?
Treat both as specialized tools, not insured bank accounts. Keep emergency funds and a backup card from a separate provider.