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Comparison

Cypher Card vs. Gnosis Pay Card compared

  • Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Cypher CardCypher
  • Image source Source gnosispay.com Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only. Gnosis Pay CardGnosis Pay

In short

  • Gnosis Pay Card has the lowest foreign currency fee (0 %).
  • Cypher Card ask for the least (ID document).
  • Cypher Card has the higher score (58.48).
Attribute Cypher CardCypher Requires KYC Private Virtual Physical Metal Gnosis Pay CardGnosis Pay Requires KYC Private Virtual Physical
Score average average
CostsWeight 25 % 68 100
KYC and privacyWeight 20 % 35 0
FeaturesWeight 15 % 76 77
AvailabilityWeight 10 % not scored 23
RewardsWeight 10 % not scored 63
TrustWeight 10 % 81 78
CommunityWeight 10 % not scored not scored
KYC KYC: ID document KYC: Full verification
Limits (entry level)
  • Top-up per transaction: 100,000 USD
  • Spending per day: 50,000 USD
  • Spending per month: 150,000 USD
+4
  • Spending per day: 10,000 USD
Basics
Card form (differs)
credit Source and check Source cypherhq.io Wording at the source # CYPHER CREDIT CARD ACCOUNT OPENING DISCLOSURES – NO SET LINE OF CREDIT Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
debit Source and check Source gnosispay.com Wording at the source The Gnosis Pay Debit Card issued by Monavate Limited pursuant to licence by VISA Europe Limited. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean?
Card types
virtual, physical Source and check Source cypherhq.io Wording at the source Cards Virtual card✅ Free ✅ Free Physical Card✅ ($50Shipping fee) ✅ ($50Shipping fee) Metal Card🚫 ✅ Free Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
virtual, physical Source and check Source gnosispay.com Wording at the source Launch virtual cards in minutes, physical cards in days Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean?
Card network
Visa Source and check Source cypherhq.io Wording at the source The card program is issued by the Issuer under license from Visa. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Visa Source and check Source gnosispay.com Wording at the source Two years ago Gnosis Pay was crypto's first self-custodial visa card. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
Custody
self-custody Source and check Source cypherhq.io Wording at the source CypherD offers a Non-Custodial Wallet enabling users to store, manage, and transact with cryptocurrencies, as well as a Crypto Card designed for facilitating purchases. As a non-custodial service, Cyp... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
self-custody Source and check Source gnosispay.com Wording at the source Two years ago Gnosis Pay was crypto's first self-custodial visa card. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
Funding model
stablecoin balance Source and check Source cypherhq.io Wording at the source - Your funds are completely safe and can be withdrawn at any time before the deadline, with no fees. - Withdrawals are processed in USDC on Base and may take 24 to 48 hours to reflect in your wallet.... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
stablecoin balance Source and check Source docs.gnosispay.com Wording at the source When an account is provisioned, it's configured with the **token** that the account will spend from. This token, along with a linked **Safe**, defines the account's spending source: the Safe is author... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean?
Card currencies (differs)
USD Source and check Source cypherhq.io Wording at the source If you make a transaction using your Account in a foreign currency (including, for example, online purchases from a merchant located outside of the U.S.), the credit card association will convert any... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
EUR, GBP, USD Source and check Source docs.gnosispay.com Wording at the source Setup multi-currency accounts in EUR, USD, and GBP available. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean?
Usage
personal Source and check Source cypherhq.io Wording at the source - You will use the Cypher Card for personal, family, or household use. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
personal Source and check Source gnosispay.com Wording at the source Over the next few months we will complete the transition and begin to close the chapter on our early 'consumer' era. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
Issuer / BIN sponsor (differs)
Third National Source and check Source cypherhq.io Wording at the source - "Issuer" refers to the issuer of the card program. The issuer for this card program is Third National. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Standard: unknown Source and check Source gnosispay.com Checked Verified Check overdue · last 29 Oct 2026 Add this value? History What does [s] mean?
2 more countries/regions EEA: unknown Source and check Source gnosispay.com Checked Verified Check overdue · last 29 Oct 2026 Add this value? History What does [s] mean? UK: Monavate Limited (FCA-authorised electronic money institution, FRN 901097) Source and check Source gnosispay.com Wording at the source The Gnosis Pay Debit Card issued by Monavate Limited pursuant to licence by VISA Europe Limited. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Limits depend on (differs)
plan Source and check Source cypherhq.io Wording at the source The Standard Plan users have a daily limit of $10,000 and a monthly limit of $30,000. The Premium Plan users have a daily limit of $20,000 and a monthly limit of $60,000. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
user setting Source and check Source docs.gnosispay.com Wording at the source Gnosis Pay accounts support configurable spending limits at two levels: * **User-configured limits** : users can set their own account limit, giving them direct control over how much they spend, indep... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Cards per account
unknown
unknown
Availability
Available in
unknown
unknown
Crypto
Supported assets (differs)
ETH, USDC, SOL Source and check Source cypherhq.io Wording at the source Note: A single load of up to $100,000 can be added for USDC, USD, ETH, and SOL. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
USDT, USDC, EURe, GBPe, USDCe Source and check Source docs.gnosispay.com Wording at the source Gnosis Pay accounts can be provisioned with tokens across the following chains. ## Celo | Token | Contract Address | | - | - | | USDC | `0xceba9300f2b948710... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean?
Number of supported assets
unknown
unknown
Top-up networks (differs)
Ethereum, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism, Avalanche, zkSync, Cosmos Source and check Source cypherhq.io Wording at the source 1. Ethereum 2. Polygon 3. Arbitrum 4. Optimism 5. Base 6. Injective 7. Osmosis 8. Cosmos 9. TX 10. BSC (Binance Smart Chain) 11. Solana 12. Avalanche (Avax) 13. ZKsync_ERA 14. Noble 15. Hyperliquid Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Gnosis, Celo Source and check Source docs.gnosispay.com Wording at the source Gnosis Pay accounts can be provisioned with tokens across the following chains. ## Celo Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Fiat top-up (differs)
No Source and check Source cypherhq.io Wording at the source No, it's not possible to fund the card with fiat. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Payments
Mobile wallets
Apple Pay Google Pay Source and check Source cypherhq.io Wording at the source We've provided helpful links below to guide you through the process of adding your Cypher card to Apple Pay and Google Pay: Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Apple Pay Google Pay Source and check Source docs.gnosispay.com Wording at the source Once issued, a virtual card can be added to following with help of push provisioning: * **Apple Pay** * **Google Pay** Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
ATM withdrawals (differs)
Yes Source and check Source cypherhq.io Wording at the source The channels you can enable or disable are ATM Withdrawals, Online Transaction, Contactless Transaction, Card and PIM Transaction and Apple Pay and GPay. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Contactless
Yes Source and check Source cypherhq.io Wording at the source The channels you can enable or disable are ATM Withdrawals, Online Transaction, Contactless Transaction, Card and PIM Transaction and Apple Pay and GPay. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Yes Source and check Source docs.gnosispay.com Wording at the source This lets the user tap to pay with their phone or watch, without needing a physical card. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Fees
Virtual card issuance (differs)
0.00 USD Source and check Source cypherhq.io Wording at the source Virtual card✅ Free ✅ Free Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Physical card issuance
unknown
unknown
Free cards
unknown
unknown
Shipping
unknown
unknown
Monthly fee
unknown
unknown
Annual fee
unknown
unknown
Top-up fee
unknown
unknown
Crypto deposit fee
unknown
unknown
Crypto conversion fee
unknown
unknown
Foreign currency fee (differs)
1.75 % Source and check Source cypherhq.io Wording at the source Forex Markup Non USD Transactions1.75% 0.75% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
0 % Source and check Source gnosispay.com Wording at the source A free Visa card for EU and EEA residents, with up to 5% back and no foreign-exchange fees, spendable in shops in Berlin, Lisbon, or Madrid. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean?
FX free allowance
unknown
unknown
Minimum FX fee
unknown
unknown
ATM fee (differs)
3 % Source and check Source cypherhq.io Wording at the source ATM Withdraw Fee 3% 2% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown Source and check Source gnosispay.com Checked Verified Check overdue · last 29 Oct 2026 Add this value? History What does [s] mean?
Declined payment fee
unknown
unknown
Refund fee
unknown
unknown
Inactivity fee
unknown
unknown
Minimum monthly spend
unknown
unknown
Inactivity rule
unknown
unknown
Card replacement
unknown
unknown Source and check Source gnosispay.com Checked Verified Check overdue · last 29 Oct 2026 Add this value? History What does [s] mean?
Rewards
Cashback (differs)
unknown
5 % Source and check Source gnosispay.com Wording at the source A free Visa card for EU and EEA residents, with up to 5% back and no foreign-exchange fees, spendable in shops in Berlin, Lisbon, or Madrid. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Referral bonus (invited friend)
unknown
unknown
Referral bonus (you)
unknown
unknown
Welcome bonus
unknown
unknown

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