Comparison
Gnosis Pay Card vs. Karta Card: fees, limits & KYC
-
gnosispay.com29 Oct 2026
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
-
karta.io29 Oct 2026
Image source
Source
karta.io
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Karta CardKarta.io
In short
- Gnosis Pay Card has the lowest foreign currency fee (0 %).
- Karta Card ask for the least (ID document).
- Karta Card has the higher score (71.41).
| Attribute |
Gnosis Pay CardGnosis Pay
Requires KYC
Private
Virtual
Physical
|
Karta CardKarta.io
Requires KYC
Private
Virtual
Physical
Metal
|
|---|---|---|
| Score | average | good |
| CostsWeight 25 % | 100 | 80 |
| KYC and privacyWeight 20 % | 0 | 35 |
| FeaturesWeight 15 % | 77 | 89 |
| AvailabilityWeight 10 % | 23 | 79 |
| RewardsWeight 10 % | 63 | 100 |
| TrustWeight 10 % | 78 | 81 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: Full verification | KYC: ID document |
| Limits (entry level) |
|
no limits captured |
| Basics | ||
| Card form |
debit
gnosispay.com checked 28 Oct 2026
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? |
debit
karta.io checked 29 Oct 2026
Two sources, two values
Showndebit
karta.iochecked 29 Oct 2026
- Debit card (Visa Signature) accepted at 150 million merchantsDifferingvalue not recorded legal.karta.iofetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| Card types (differs) |
virtual, physical
gnosispay.com checked 28 Oct 2026
Source and check
Source
gnosispay.com
Wording at the source
Launch virtual cards in minutes, physical cards in daysChecked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean? |
virtual, physical, metal
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Step 4: Consider upgrading to Karta's physical metal card (from 100 USDT) if you prefer having a physical cardChecked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| Card network |
Visa
gnosispay.com checked 29 Oct 2026
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? |
Visa
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Use Karta Visa Signature® worldwide. Instant virtual and physical cards. Compatible with Apple Pay, Google Pay, and global ATM cash access.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custody |
self-custody
gnosispay.com checked 29 Oct 2026
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? |
self-custody
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Only you control your wallet. Secure by design — send, receive, and manage your crypto.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding model |
stablecoin balance
docs.gnosispay.com checked 28 Oct 2026
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? |
stablecoin balance
karta.io checked 29 Oct 2026
Two sources, two values
Shownstablecoin balance
karta.iochecked 29 Oct 2026
a Visa card funded from your stablecoin balance.Differingvalue not recorded legal.karta.iofetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| Card currencies (differs) |
EUR, GBP, USD
docs.gnosispay.com checked 28 Oct 2026
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? |
USD
legal.karta.io checked 29 Oct 2026
Source and check
Source
legal.karta.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? |
| Usage |
personal
gnosispay.com checked 29 Oct 2026
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? |
personal
legal.karta.io checked 29 Oct 2026
Source and check
Source
legal.karta.io
Wording at the source
The primary purpose of your Account is for personal expenses.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs) |
Standard:
unknown
gnosispay.com checked 29 Oct 2026
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/regionsEEA: unknown gnosispay.com checked 29 Oct 2026 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) gnosispay.com checked 28 Oct 2026 Source and check Source gnosispay.com Wording at the sourceThe 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? |
Third National
legal.karta.io checked 29 Oct 2026
Source and check
Source
legal.karta.io
Wording at the source
"Karta Finance Inc" 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? |
| Limits depend on (differs) |
user setting
docs.gnosispay.com checked 28 Oct 2026
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? |
unknown |
| Cards per account | unknown | unknown |
| Availability | ||
| Available in (differs) | unknown |
Not available in 21 countries and regions
legal.karta.io checked 29 Oct 2026
Source and check
Source
legal.karta.io
Wording at the source
Karta Accounts are not available in the following jurisdictions: - Bangladesh - Belarus - Brazil - Cuba - Democratic People's Republic of Korea - Egypt - Iran - Iraq - India - Israel - Myanmar - Chin...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto | ||
| Supported assets (differs) |
USDT, USDC, EURe, GBPe, USDCe
docs.gnosispay.com checked 28 Oct 2026
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? |
USDT, USDC
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Stablecoins: USDT or USDC on Tron (TRC-20), Ethereum, BNB Smart Chain, Polygon, Arbitrum, Optimism, Base, and Solana.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown | unknown |
| Top-up networks (differs) |
Gnosis, Celo
docs.gnosispay.com checked 28 Oct 2026
Source and check
Source
docs.gnosispay.com
Wording at the source
Gnosis Pay accounts can be provisioned with tokens across the following chains. ## CeloChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Ethereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Stablecoins: USDT or USDC on Tron (TRC-20), Ethereum, BNB Smart Chain, Polygon, Arbitrum, Optimism, Base, and Solana.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fiat top-up (differs) | unknown |
Yes
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Fiat transfers: ACH (USD), SWIFT (USD), Domestic Wire (USD), SEPA (EUR), PIX (BRL), Bank Transfer (COP), and SPEI (MXN).Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Payments | ||
| Mobile wallets |
Apple Pay
Google Pay
docs.gnosispay.com checked 28 Oct 2026
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? |
Apple Pay
Google Pay
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Use Karta Visa Signature® worldwide. Instant virtual and physical cards. Compatible with Apple Pay, Google Pay, and global ATM cash access.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawals (differs) | unknown |
Yes
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Use Karta Visa Signature® worldwide. Instant virtual and physical cards. Compatible with Apple Pay, Google Pay, and global ATM cash access.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactless |
Yes
docs.gnosispay.com checked 28 Oct 2026
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? |
Yes
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
For in-store contactless payments, add your Karta virtual card to your mobile wallet:Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance (differs) | unknown |
5.00 USDT
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Signing up is free, and you can get started right away. There's a one-time fee of 5 USDT for issuing your virtual Visa Signature® card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Physical card issuance | unknown | unknown |
| Free cards | unknown | unknown |
| Shipping | unknown | unknown |
| Monthly fee (differs) | unknown |
0.00 USD
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Karta alternative: Zero monthly fees. Your account remains active as long as you use it, with no minimum balance requirements and no hidden maintenance charges.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Annual fee | unknown | unknown |
| Top-up fee | unknown | unknown |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee (differs) | unknown |
0 % above the market rate
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
While competitors charge 2-5% just to load your card, Karta offers 0% commission on crypto deposits. Your 100 USDT becomes $100 in spending power—no hidden conversion spreads, no "processing fees," no...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Foreign currency fee (differs) |
0 %
gnosispay.com checked 28 Oct 2026
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? |
1 % above the network rate
karta.io checked 29 Oct 2026
Two sources, two values
Shown1 % above the network rate
karta.iochecked 29 Oct 2026
💡 Visa network charge: Visa applies a standard 1% international transaction fee on payments made in currencies other than USD. This is a Visa network standard separate from Karta's fees.Differingvalue not recorded legal.karta.iofetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee (differs) | unknown gnosispay.com checked 29 Oct 2026 Source and check Source gnosispay.com Checked Verified Check overdue · last 29 Oct 2026 Add this value? History What does [s] mean? |
2.5 % + 1.00 USDT
karta.io checked 29 Oct 2026
Two sources, two values
Shown2.5 % + 1.00 USDT
karta.iochecked 29 Oct 2026
| ATM withdrawal (successful) | 1 USDT + 2.5% |Differingvalue not recorded karta.iofetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Transaction fee (differs) | unknown |
1.5 %
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
| Card payment fee | 1.5% per transaction |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee | unknown | unknown |
| Minimum top-up | unknown | unknown |
| 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 gnosispay.com checked 29 Oct 2026 Source and check Source gnosispay.com Checked Verified Check overdue · last 29 Oct 2026 Add this value? History What does [s] mean? | unknown |
| Rewards | ||
| Cashback (differs) |
5 %
gnosispay.com checked 28 Oct 2026
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? |
25 %
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Every USDT purchase earns 25% back in Karat—Karta's internal reward token.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) | unknown | unknown |
| Welcome bonus | unknown | unknown |
Highlighted rows differ.
Early warning
Watch both cards
One mail when something changes at Gnosis Pay Card · Karta Card: promotions and bonuses as well as warnings and incidents.