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Tria vs Gnosis Pay
A side-by-side comparison of Tria 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 crypto card with one-time tier fees and no monthly cost.
Self-custodial Visa debit card spending stablecoins from a Safe account.
| Attribute | Tria | Gnosis Pay |
|---|---|---|
| Best for | Self-custody-focused crypto spending | Self-custodial stablecoin spending in the EEA/UK/CH |
| Availability | Available | Region-dependent |
| Type | Virtual + physical | Physical |
| Custody | Non-custodial | Non-custodial |
| KYC | Required | Required |
| FX | No Tria conversion markup; standard ~1% Visa network fee plus FX on non-USD spend | No added FX fee stated; the underlying Visa/stablecoin conversion rate still applies |
| ATM | Virtual tier limited; Signature and Metal state full ATM access | Up to 5 withdrawals or 200 EURe/GBPe/USDCe free per month (whichever comes first), then 2% per withdrawal |
| Monthly | No monthly fee | No monthly fee stated |
| Cashback | 1.5% Virtual, 4.5% Signature, 6% Metal; 6% applies to the first ~2,000 USD of monthly spend, then ~1% (verify current caps) | 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 Tria if
- Self-custody-focused crypto spenders
- Users comparing crypto card reward and travel-perk 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, Tria 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.