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Gnosis Pay vs Bybit Card
A side-by-side comparison of Gnosis Pay and Bybit Card — fees, FX, ATM access, cashback, custody, availability and travel use — so you can pick the right one or run both as backups.
Self-custodial Visa debit card spending stablecoins from a Safe account.
Exchange-funded card with detailed region-by-region fee tables.
| Attribute | Gnosis Pay | Bybit Card |
|---|---|---|
| Best for | Self-custodial stablecoin spending in the EEA/UK/CH | Existing Bybit users in supported card regions |
| Availability | Region-dependent | Region-dependent |
| Type | Physical | Virtual + physical |
| Custody | Non-custodial | Custodial |
| KYC | Required | Required |
| FX | No added FX fee stated; the underlying Visa/stablecoin conversion rate still applies | Region dependent; EEA/CH example adds 0.5% on top of the Mastercard rate, with wider 1%-7% examples in other regional tables |
| ATM | Up to 5 withdrawals or 200 EURe/GBPe/USDCe free per month (whichever comes first), then 2% per withdrawal | 2% after regional free allowance in checked examples |
| Monthly | No monthly fee stated | No annual fee in checked fee table; legal terms may differ by region |
| Cashback | Tiered GNO cashback up to 5% on eligible spend (rate depends on GNO held), plus a 1% boost for OG NFT holders; paid weekly | Tiered cashback paid in USDT, advertised from 2% up to 10% by spending/holding tier; rates and caps change with campaigns |
| Apple Pay | Yes | Region-dependent |
| Google Pay | Unknown | Region-dependent |
Choose Gnosis Pay if
- EEA, UK and Swiss users who want self-custodial stablecoin spending
- Users comfortable managing a Safe smart account
Choose Bybit Card if
- Existing Bybit users in supported regions
- Users who want a detailed official fee table before deciding
Related next steps
Not financial advice. Fees, availability and terms change — confirm current official terms with each provider before signing up.
FAQ
Which is cheaper, Gnosis Pay or Bybit Card?
It depends on how you spend. Compare the FX, ATM and monthly fees in the table for your real usage, and remember cashback and rewards only help if you actually redeem them.
Can I use both together?
Often yes. Many travelers keep one as the primary option and the other as a backup rail, which protects you if one has an outage, a block or a regional limit.
Is either a full bank replacement?
Treat both as specialized tools, not insured bank accounts. Keep emergency funds and a backup card from a separate provider.