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Comparing Gnosis Pay Card and Bybit Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
These two are close: Gnosis Pay at 4.2/5 vs Bybit at 4.2/5. Gnosis Pay has a small lead, but which card works better depends on what you need.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Visa Debit | Mastercard; Visa |
| Custody | Self-custody | Custodial |
| Costs | ||
| Issuance fee | €30.23 (often waived via referrals) | Free |
| Annual fee | Free | Free |
| FX fee | 0% FX markup from Gnosis Pay — only Visa's wholesale exchange rate is applied (no additional foreign transaction fee) | 0.5% EEA/CH/MX; 1% AU; 2% APAC (non-AU); 1.5% Brazil; 7% Argentina + 0.9% crypto conversion |
| Rewards | ||
| Cashback | Up to 5% (Tiers) | 2% (Tiers, cap $10/mo) |
| Yield on spendable balance | No | Yes |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay; Samsung Pay in EEA/Switzerland; Google Pay only in APAC) |
| Bank account in your name | Yes IBAN (Estonia, via Monerium); Yes SEPA; SWIFT not disclosed | IBAN: Yes (EUR deposit IBAN via SEPA); SEPA: Yes; SWIFT: Not disclosed |
| Daily spend limit | €8000/day | €5000/day standard; €20000/day Level 3 |
| ATM withdrawal limit | €200/month or 5 withdrawals free; then 2%; daily ATM cap €500 | First €100/month free in EEA, then 2%; other regions: first withdrawal free, then 2% |
| Top-up methods | EURe, GBPe, USDCe stablecoins on Gnosis Chain (via Monerium) | BTC, ETH, XRP, USDT, USDC, TON, BNB, MNT (8 cryptos, region-dependent) |
| Regions | 32 European countries; also Brazil via Picnic partner and Argentina via partners | EEA via bybit.eu, where Bybit's stated eligibility is a proof of address from eligible EU…EEA via bybit.eu, where Bybit's stated eligibility is a proof of address from eligible EU countries except Croatia and Ireland, plus Liechtenstein or Norway - Bybit publishes no country count. Everything outside the EEA runs on bybit.com, which lists nine card regions: Argentina, Brazil, Mexico, Peru, Australia, AIFC, Georgia, Kazakhstan and Asia Pacific. Not available in the US, Canada or Singapore, and not part of the UK relaunch. Switzerland unresolved: the EEA application guide is titled EEA and CH and accepts Swiss ID, but the proof-of-address list does not name Switzerland |
| Behind the card | ||
| Card issuer | Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania)Named in the card terms | Not disclosedThe programme does not name its issuer |
| Our read | ||
| Strengths |
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| Trade-offs | Nothing flagged by these checks |
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| Get Gnosis Pay Card | Get Bybit Card | |
Gnosis Pay Card is the better card here. With self-custody, your crypto stays in your wallet until you actually spend it, unlike Bybit where the issuer holds your funds. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Bybit may be better if you need broader regional coverage.
In short: Gnosis Pay Card (4.2/5) is the stronger option for most people compared to Bybit Card (4.2/5).
