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Comparing Gnosis Pay Card and OKX 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 OKX 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 only |
| Network | Visa Debit | Mastercard 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) | 0.1% conversion spread (official docs); no transaction or FX fees |
| Rewards | ||
| Cashback | Up to 5% (Tiers) | 2-4% (VIP tiers) |
| 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 via MiCA/PSD2 Malta PI license (EU); IBAN not explicitly confirmed per user |
| Daily spend limit | €8000/day | Based on verification and tier |
| ATM withdrawal limit | €200/month or 5 withdrawals free; then 2%; daily ATM cap €500 | Not available (virtual card only) |
| Top-up methods | EURe, GBPe, USDCe stablecoins on Gnosis Chain (via Monerium) | USDC, USDG stablecoins from OKX Pay account |
| Regions | 32 European countries; also Brazil via Picnic partner and Argentina via partners | EEA + Brazil |
| Behind the card | ||
| Card issuer | Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania)Named in the card terms | Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania)Named in the card terms |
| Our read | ||
| Strengths |
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| Trade-offs | Nothing flagged by these checks |
|
| Get Gnosis Pay Card | Get OKX Card | |
Gnosis Pay Card is the better card here. With self-custody, your crypto stays in your wallet until you actually spend it, unlike OKX where the issuer holds your funds. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, OKX may be better if you need something it does better.
In short: Gnosis Pay Card (4.2/5) is the stronger option for most people compared to OKX Card (4.2/5).
