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Gnosis Pay vs Kraken Card

How Gnosis Pay vs Kraken Card compare on our ratings, crypto card specs, funding, pros and cons.

Gnosis Pay2.5/5
VS
Kraken Card3.8/5
Feature
Gnosis PayVisit
Kraken CardVisit
Ratings
Our score2.5/53.8/5
User ratingNo reviews yetNo reviews yet
Fees4.54.5
Rewards & cashback1.04.0
Availability1.53.0
App & experience3.04.0
Trust & security2.53.5
Fees & features
Card typeDebitDebit
Card networkVisaMastercard
Card formatVirtual, PhysicalVirtual
CustodySelf-custodialCustodial
KYC required YesNot disclosed
Max cashbackNot disclosed2%
Rewards paid inNot disclosedBTC or EUR
Staking needed for top rewardsNot disclosed No
Welcome bonusNot disclosedNew cardholders receive Max tier for 30 days, with 2% cashback.
Card issuance feeFreeFree
Monthly feeNot disclosedFree
Annual feeFreeFree
Foreign exchange fee0%0%
Crypto conversion spreadNot disclosedVariable spread applies when spending across assets
ATM withdrawalsConsumer card: up to 5 free withdrawals or 200 EURe/GBPe/USDCe per month, whichever comes first; 2% per additional withdrawal.No ATM withdrawal fee from Kraken; third-party ATM fees may apply
Available inEurope (EEA)Europe (EEA), United Kingdom, United States
Spendable assetsEURe, GBPe, USDC, USDCe, USDT600+ cryptocurrencies, Cash
Top-up networksCelo, Gnosis ChainNot disclosed
Card currenciesNot disclosedEUR
Spend stablecoins YesNot disclosed
Apple Pay Yes Yes
Google Pay Yes Yes
Good forNot disclosedEveryday spending, Travel, Online shopping, Subscriptions & AI tools
PerksSponsored blockchain gas for consumer card purchases, Free consumer card deliveryUp to 2% cashback, Up to 6% travel cashback, Instant card lock, Real-time notifications
Card issuerMonavate LimitedUAB Monavate
Virtual card feeNot disclosedFree
Company
Founded20232011
HeadquartersGermanyUnited States
InvestorsNot disclosedDRW Venture Capital, Hong Shan, Jane Street, Oppenheimer Alternative Investment Management +2
Strengths and weaknesses
Pros
  • Spends EURe, GBPe and USDC directly from a self-custodial Safe account
  • Supports Apple Pay and Google Pay
  • Consumer card charges 0% FX markup, with Visa exchange rates applied
  • Blockchain gas for consumer card purchases is sponsored
  • Up to 2% cashback in BTC or EUR
  • No Kraken transaction or foreign-exchange fees
  • No Kraken ATM withdrawal fees
  • Supports 600+ currencies
Cons
  • Direct consumer card and web app close December 20, 2026
  • Legacy GNO cashback program ended September 30, 2026
  • June 1, 2026 module exploit affected card Safes; affected funds were restored in July
  • Registration requires Sumsub identity verification and residence eligibility checks
  • Custodial card and account structure
  • Variable spreads may apply when converting between assets at checkout
  • Third-party ATM fees may apply
  • Availability varies by location
Best forWallets launching branded Visa cards, Fintechs integrating self-custodial stablecoin payments, Existing cardholders spending before closureEveryday crypto spending, Krak app users, Cardholders spending multiple assets

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