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Comparing Gnosis Pay Card and Coinbase Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
Some cards on this page link to affiliate partners, and we may earn a commission if you sign up. The comparison verdict comes from our public scoring formula either way — read our editorial disclosure.
The short version:
Gnosis Pay rates 4.2/5, slightly ahead of Coinbase at 3.7/5. Both are solid options, but Gnosis Pay is the better pick for most people.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Visa Debit | Visa Debit |
| 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) | No transaction fees: $0 for card transactions, crypto conversion, international purchases…No transaction fees: $0 for card transactions, crypto conversion, international purchases and ATM withdrawals (Cardholder Agreement Oct 2024); only cost is Coinbase's conversion spread, rate not published. The old 2.49% conversion fee was removed 2022-04-06. |
| Rewards | ||
| Cashback | Up to 5% (Tiers) | Up to 4% (US only) |
| Yield on spendable balance | No | Yes |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay) |
| Bank account in your name | Yes IBAN (Estonia, via Monerium); Yes SEPA; SWIFT not disclosed | SEPA yes (EUR deposits via IBAN on Coinbase acct); no dedicated card IBAN |
| Daily spend limit | €8000/day | Varies by verification, high limits available |
| ATM withdrawal limit | €200/month or 5 withdrawals free; then 2%; daily ATM cap €500 | $1000/day, $10000/month; issuer ATM fee $0 domestic and international (ATM operator may still charge) |
| Top-up methods | EURe, GBPe, USDCe stablecoins on Gnosis Chain (via Monerium) | Any crypto held in Coinbase account (BTC, ETH, USDC, DOGE, and 100+ cryptos) |
| Regions | 32 European countries; also Brazil via Picnic partner and Argentina via partners | US plus the United Kingdom and 30 EEA countries. The separate Coinbase One Card, an Amex credit card, is US-only |
| Behind the card | ||
| Card issuer | Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania)Named in the card terms | Pathward, N.A. — USA (ex-MetaBank)Named in the card terms |
| Our read | ||
| Strengths |
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| Trade-offs | Nothing flagged by these checks |
|
| Get Gnosis Pay Card | Get Coinbase Card | |
Gnosis Pay Card is the better card here. With self-custody, your crypto stays in your wallet until you actually spend it, unlike Coinbase where the issuer holds your funds. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Coinbase 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 Coinbase Card (3.7/5).
