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Nexo Card vs Gnosis Pay
A side-by-side comparison of Nexo Card and Gnosis Pay — 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.
| Attribute | Nexo Card | Gnosis Pay |
|---|---|---|
| Best for | Existing Nexo users | Self-custodial stablecoin spending in the EEA/UK/CH |
| Availability | Region-dependent | Region-dependent |
| Type | Virtual + physical | Physical |
| Custody | Custodial | Non-custodial |
| KYC | Required | Required |
| FX | As of 2026: weekday FX 0.2% in EEA/UK/CH and 2% rest of world; weekend 0.7% and 2.5%; reduced to zero Nexo FX at Gold and Platinum loyalty tiers (Mastercard network spread still applies) | No added FX fee stated; the underlying Visa/stablecoin conversion rate still applies |
| ATM | Free monthly allowance by loyalty tier (roughly EUR 200 Base up to EUR 2,000 Platinum), then 2% (min about EUR/GBP 1.99) | Up to 5 withdrawals or 200 EURe/GBPe/USDCe free per month (whichever comes first), then 2% per withdrawal |
| Monthly | No monthly fee stated | No monthly fee stated |
| Cashback | Up to 2% cashback in NEXO token by loyalty tier (Base 0.5%, Silver 0.7%, Gold 1%, Platinum 2%); up to 0.5% if rewards taken in BTC; UK cardholders can no longer earn cashback (regulatory phase-out) but can still spend | Tiered GNO cashback up to 5% on eligible spend (rate depends on GNO held), plus a 1% boost for OG NFT holders; paid weekly |
| Apple Pay | Yes | Yes |
| Google Pay | Yes | Unknown |
Choose Nexo Card if
- Existing Nexo users in eligible European countries
- Users comparing dual credit/debit crypto card models
Choose Gnosis Pay if
- EEA, UK and Swiss users who want self-custodial stablecoin spending
- Users comfortable managing a Safe smart account
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, Nexo Card or Gnosis Pay?
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.