Gnosis Pay vs Oobit
Crypto native
Crypto native
Verdict
- At least one of the two cards does not have enough published data for an overall score.
- Oobit is clearly stronger on: Availability.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Gnosis Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Oobit is a good fit for
- People who want to keep control of their keys
Stronger on: Availability
Score by criterion
| Criterion | Gnosis Pay | Oobit |
|---|---|---|
| Fees | – | 22 |
| Cashback & rewards | – | 40 |
| Availability | 0 | 10 |
| FX & international | – | – |
| Product features | – | 100 |
| Custody & security | 80 | 80 |
| Credit & financing | 30 | – |
| Limits & ATM | – | 50 |
| Transparency | 86 | 93 |
| Best for Cashback | n/a | 4.3 |
| Best for Travel | n/a | 4.8 |
| Best for Self-Custody | 6.5 | 6.5 |
| Best for DeFi Users | 5.8 | 6.0 |
| Best for High Spenders | n/a | 4.6 |
| Best for Low Fees | n/a | 4.4 |
| Best for Beginners | n/a | 6.2 |
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
ActiveShow source
Product status: Active
Source: Oobit Crypto Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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%
VisaShow source
Network: Visa
Source: Oobit FAQ
Official help center / FAQ (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%
Self-custody*Show source
Custody model: Self-custody
Crypto stays in your wallet until the moment you pay
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Crypto stays in your wallet until the moment you pay
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
Crypto conversion fee
0.95%*Show source
Crypto conversion fee: 0.95%
Swaps; 3% when swapping into OOB
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Swaps; 3% when swapping into OOB
ATM fee
2.5% (min. $0.25)*Show source
ATM fee: 2.5% (min. $0.25)
Plus ATM operator fees
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Plus ATM operator fees
Settlement fee
1% (min. $0.25)*Show source
Settlement fee: 1% (min. $0.25)
Per card payment (Brazil: 1%, no minimum)
Source states (paraphrased): 1% per payment, with a minimum of $0.25.
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Per card payment (Brazil: 1%, no minimum)
Cashback & rewards
Max cashback
10%*Show source
Max cashback: 10%
Up to
Source: Oobit Crypto Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to
Cashback-eligible spend cap
$200/month*Show source
Cashback-eligible spend cap: $200/month
When paying with tokens other than OOB; $10,000/month when paying with OOB
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
When paying with tokens other than OOB; $10,000/month when paying with OOB
Cashback conditions
Higher cashback cap requires paying with the OOB tokenShow source
Cashback conditions: Higher cashback cap requires paying with the OOB token
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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%
Availability
Available in
United Arab Emirates, Saudi Arabia, South Korea*Show source
Available in: United Arab Emirates, Saudi Arabia, South Korea
Oobit lists 74 countries; only countries with a dedicated official page are recorded
Source: Crypto Card UAE
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
Oobit lists 74 countries; only countries with a dedicated official page are recorded
Features
Apple Pay
Yes*Show source
Apple Pay: Yes
After verification
Source: Crypto Card in South Korea
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
After verification
Google Pay
Yes*Show source
Google Pay: Yes
After verification
Source: Crypto Card in South Korea
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
After verification
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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
Gnosis Pay
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Oobit
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- Per-transaction fees−180 EUR
- ATM costs−30 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers