KardScan
← All cards

Nexo Card vs Gnosis Pay

Same data as the table, side by side. ✓ = we paid it ourselves.

Both are European-focused cards, but they sit on opposite sides of the custody line — the single most important difference here. The Nexo Card is custodial and can borrow against your collateral in credit mode, with the liquidation risk that implies.

Gnosis Pay is self-custodial: your funds stay in a Safe smart wallet you control, and the card spends straight from it on-chain. That appeals to people who do not want a company holding their balance, and its cashback is tiered to GNO holdings. It is very much an EU-first product.

Want to keep custody of your own funds and are comfortable with a smart-wallet setup? Gnosis Pay is the reason to look. Prefer a managed card and maybe a credit line against your crypto? Nexo fits that. Fees we have not verified ourselves are labelled unconfirmed.

Fee
Nexo Card
Mastercard · custodial (credit backed by your crypto)
Gnosis Pay
Visa · self-custodial (Safe smart wallet)
Virtual card issue
$0
— unconfirmed
Physical card issue
paused
included
Monthly
$0
$0
Top-up
n/a (debit/credit modes)
none (spend from Safe)
FX
0% (as low as 0.2% EEA)
— unconfirmed
ATM
free to monthly limit, then 2%
— unconfirmed
KYC
full
full
Works in Maldives
● No
● No
Works in Sri Lanka
● No
● No
Works in India
● No
● No
Works in Pakistan
● No
● No
Works in Bangladesh
● No
● No
Works in Nigeria
● No
● No
Works in Kenya
● No
● No
Works in Ghana
● No
● No
Works in Egypt
● No
● No
Works in South Africa
● No
● No
Works in Philippines
● No
● No
Works in Indonesia
● No
● No
Works in Vietnam
● No
● No
Works in Turkey
● No
● No
Works in UAE
● No
● No
Works in Germany
● Works
● Works
Works in United Kingdom
● Works
● Works
Works in Brazil
● No
● No
Last checked
2026-07-03
2026-07-03
Get card →affiliate · same priceNexo Card review →Gnosis Pay review →
Card × country
Does Nexo Card work in Maldives? →
Card × country
Does Nexo Card work in Sri Lanka? →
Card × country
Does Nexo Card work in Nigeria? →