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Gnosis Pay vs RedotPay
A side-by-side comparison of Gnosis Pay and RedotPay — 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.
Stablecoin-based card with clear issue fees and strict country exclusions.
| Attribute | Gnosis Pay | RedotPay |
|---|---|---|
| Best for | Self-custodial stablecoin spending in the EEA/UK/CH | Supported-country stablecoin spending |
| 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 | About 1.2% FX markup on non-local-currency spend plus ~1% crypto conversion (roughly 2.2% combined per transaction); an extra ~0.20 USD per transaction can apply after the fifth swipe of the month |
| ATM | Up to 5 withdrawals or 200 EURe/GBPe/USDCe free per month (whichever comes first), then 2% per withdrawal | Physical card supports ATM withdrawals; checked 2026 sources list the first ~10,000 USD per month free, then fees apply |
| Monthly | No monthly fee stated | No monthly fee found in checked 2026 sources |
| 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 | No standing cashback or staking rewards as of 2026; occasional sign-up promotions may apply |
| Apple Pay | Yes | Yes |
| Google Pay | Unknown | Yes |
Choose Gnosis Pay if
- EEA, UK and Swiss users who want self-custodial stablecoin spending
- Users comfortable managing a Safe smart account
Choose RedotPay if
- Users in supported countries who want stablecoin-funded spending
- Comparing virtual vs physical card setup costs
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 RedotPay?
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.