Binance Card vs Gnosis Pay
Crypto native
Crypto native
Verdict
- At least one of the two cards does not have enough published data for an overall score.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Binance Card is a good fit for
- No specific audience can be derived from the published data yet.
Gnosis Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Score by criterion
| Criterion | Binance Card | Gnosis Pay |
|---|---|---|
| Fees | – | – |
| Cashback & rewards | 22 | – |
| Availability | – | 0 |
| FX & international | – | – |
| Product features | – | – |
| Custody & security | – | 80 |
| Credit & financing | – | 30 |
| Limits & ATM | – | – |
| Transparency | – | 86 |
| Best for Cashback | 3.6 | n/a |
| Best for Self-Custody | n/a | 6.5 |
| Best for DeFi Users | n/a | 5.8 |
Product
Product status
Closing — discontinuation announced*Show source
Product status: Closing — discontinuation announced
Card stops working 23:59 UTC, 20 December 2026; support ends 18 June 2027
Source states (paraphrased): Your Gnosis Pay card stops working at 23:59 UTC, 20 December 2026.
Source: Formal notice — closure of the Gnosis Pay web app and card (21 September 2026)
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 70%
Card stops working 23:59 UTC, 20 December 2026; support ends 18 June 2027
Card type
Debit cardShow source
Card type: Debit card
Source: Gnosis Pay Documentation
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network
VisaShow source
Network: Visa
Source states (paraphrased): Spend at Visa merchants wherever Visa is accepted.
Source: Gnosis Pay Documentation
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Custody model
Self-custodyShow source
Custody model: Self-custody
Source states (paraphrased): Card runs on a self-custodial Safe on Gnosis Chain; funds cannot be frozen or seized by Gnosis Pay.
Source: Why Gnosis Pay Creates a New SAFE Wallet For You
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card issuer / program manager
Monavate*Show source
Card issuer / program manager: Monavate
Named as card partner in the closure notice
Source: Formal notice — closure of the Gnosis Pay web app and card (21 September 2026)
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Named as card partner in the closure notice
Fees
Replacement fee
€25Show source
Replacement fee: €25
Source states (paraphrased): If you need to replace your card, a fee of €25 applies.
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
Cashback & rewards
Max cashback
8%*Show source
Max cashback: 8%
Up to; depends on BNB holdings (0.1%–8%)
Source states (paraphrased): Cashback of 0.1% to 8% for every purchase.
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
Up to; depends on BNB holdings (0.1%–8%)
Cashback paid in
BNBShow source
Cashback paid in: BNB
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
Staking / holding required for top rewards
Yes*Show source
Staking / holding required for top rewards: Yes
Rate depends on BNB holdings
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
Rate depends on BNB holdings
Staking asset
BNBShow source
Staking asset: BNB
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
Credit & financing
Credit line
NoShow source
Credit line: No
Source: Gnosis Pay Documentation
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Spend own balance directly
YesShow source
Spend own balance directly: Yes
Source: Gnosis Pay Documentation
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Features
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source: Gnosis Pay Documentation
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Blockchains
Gnosis ChainShow source
Blockchains: Gnosis Chain
Source: Why Gnosis Pay Creates a New SAFE Wallet For You
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Annual cost at 1,500 EUR/month
Binance Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Gnosis Pay
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers