Bitso Card vs Gnosis Pay: Full Comparison 2026

    Updated
    Live pricesvia CoinGecko
    BTC$78,021▲ 0.17%
    ETH$2,288▲ 0.90%
    USDT$0.9990▼ 0.05%
    Verdict

    Winner: Gnosis Pay

    Gnosis Pay takes it 1–0. Gnosis Pay covers more regions.

    Bitso Card vs Gnosis Pay: the short version

    Comparing Bitso Card with Gnosis Pay is mostly a geography exercise: the two products are licensed for different markets. Both settle comfortably from stablecoins, which is the sane way to use either card — spending a volatile coin locks in that day's price and creates a taxable disposal.

    Key differences

    • Conversion pricing is effectively identical: 0.0% on Bitso Card and 0.0% on Gnosis Pay, so fees will not decide this one.
    • Neither card pays cashback, so the comparison comes down to conversion cost, availability and how fast you can start spending.
    • They barely overlap geographically: Bitso Card covers LATAM and Gnosis Pay covers EU, UK, so in most countries only one of them is actually an option.
    • Bitso Card is physical, Gnosis Pay is virtual/physical — relevant if you need a plastic card for deposits, hotels or car rental.
    • Funding assets do not overlap: Bitso Card takes BTC, ETH, USDT, MXN, Gnosis Pay takes EURe, GBPe.

    Side-by-Side Comparison

    Specification
    Bitso Card
    Gnosis Pay
    Conversion Fee
    0.0%
    0.0%
    Cashback
    —
    —
    KYC Required
    Full
    Full
    Supported Coins
    BTC, ETH, USDT, MXN
    EURe, GBPe
    Regions
    LATAM
    EU, UK
    Card Type
    Physical
    Virtual/Physical
    Instant Issue
    No
    No
    Limits
    High
    High

    Category Breakdown

    Fees

    Both charge 0.0%

    Tie
    Cashback

    Both offer —

    Tie
    KYC / Privacy

    Both require Full KYC

    Tie
    Availability

    2 regions vs 1

    Gnosis Pay

    Which one fits your situation

    Everyday spending

    Both convert at 0.0%.

    Tie
    Travel

    Virtual/Physical card covering EU, UK.

    Gnosis Pay
    EU residents

    Only Gnosis Pay is available in EU.

    Gnosis Pay
    LATAM residents

    Only Bitso Card is available in LATAM.

    Bitso Card

    Bitso Card vs Gnosis Pay: FAQ

    Which is better, Bitso Card or Gnosis Pay?

    Gnosis Pay. Gnosis Pay takes it 1–0. Gnosis Pay covers more regions.

    Do Bitso Card and Gnosis Pay charge the same fees?

    Broadly yes — both convert at 0.0%, so compare them on availability, verification and issuing speed instead.

    Do Bitso Card and Gnosis Pay require KYC?

    Bitso Card: Full KYC. Gnosis Pay: Full KYC.

    Can I spend USDT or USDC with Bitso Card and Gnosis Pay?

    Both settle from stablecoins (Bitso Card: BTC, ETH, USDT, MXN; Gnosis Pay: EURe, GBPe), which avoids locking in a volatile price at the till.

    Is spending Bitso Card or Gnosis Pay a taxable event?

    In most countries yes: paying with either card converts crypto to fiat, which is a disposal. The card you pick does not change that — see our guide on crypto card taxes.

    When to Choose Each Card

    Choose Bitso Card if…

    • You want zero conversion fees
    • You need BTC, ETH, USDT, MXN
    Full review

    Choose Gnosis Pay if…

    • You want zero conversion fees
    • You're based in Europe
    • You need EURe, GBPe
    Full review

    Compare Other Cards

    Compare All 30 Cards

    See every card side by side with full specs and filters.

    Compare All Cards