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Gnosis Pay vs Wirex
A side-by-side comparison of Gnosis Pay and Wirex — 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.
Long-running crypto and fiat card wallet with region-specific limits.
| Attribute | Gnosis Pay | Wirex |
|---|---|---|
| Best for | Self-custodial stablecoin spending in the EEA/UK/CH | Mixed fiat and crypto card wallet comparisons |
| Availability | Region-dependent | Region-dependent |
| Type | Physical | Virtual + physical |
| Custody | Non-custodial | Hybrid |
| KYC | Required | Required |
| FX | No added FX fee stated; the underlying Visa/stablecoin conversion rate still applies | Wirex advertises 0% FX markup on in-app exchange; exact spread per currency pair is shown at quote time |
| ATM | Up to 5 withdrawals or 200 EURe/GBPe/USDCe free per month (whichever comes first), then 2% per withdrawal | Free monthly ATM allowance (about GBP/EUR 200 on Standard, up to ~1,000 USD on Elite), then 2% |
| Monthly | No monthly fee stated | Standard plan free; paid Elite plan about 29.99 USD per month for higher rewards and ATM limits |
| 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 | Cryptoback paid in WXT: roughly 0.5-2% base, advertised up to 8% with WXT staking and monthly spend thresholds on higher plans |
| 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 Wirex if
- Users comparing fiat plus crypto card wallets
- Travelers who want published ATM and country tables
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 Wirex?
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.