Winner: Wirex
Wirex takes it 2–1. Gnosis Pay converts cheaper (0.0%); Wirex pays more back (Up to 8%); Wirex covers more regions.
Put Gnosis Pay next to Wirex and the trade-off becomes clear quickly — one optimises cost, the other optimises access. Wirex charges 1–2% per conversion — more than Gnosis Pay at 0.0% — so heavy users save more with Gnosis Pay. Wirex answers with Up to 8% cashback, though headline rates like this almost always require a staking tier or monthly volume most people never reach. Gnosis Pay only settles from stablecoins (EURe, GBPe), while Wirex also accepts BTC, ETH, LTC +150 — useful if you would rather not convert first. Coverage overlaps in EU, UK; outside that, check the issuer's country list before applying.
0.0% vs 1–2%
Up to 8% vs —
Both require Full KYC
4 regions vs 2
Lower conversion cost (0.0%) on every purchase.
Up to 8% against —.
Virtual/Physical card covering EU, UK, US, Global.
Settles directly from EURe, GBPe.
Only Wirex is available in US.
Only Wirex is available in LATAM.
Wirex. Wirex takes it 2–1. Gnosis Pay converts cheaper (0.0%); Wirex pays more back (Up to 8%); Wirex covers more regions.
Yes. Many users keep Gnosis Pay for everyday spending because of its lower conversion cost and Wirex for categories where its rewards apply.
Yes. Gnosis Pay converts at 0.0% against 1–2%, a difference of about $15.00 per $1,000 spent.
Wirex, at Up to 8% versus —. Top rates normally require a staking or volume tier.
Gnosis Pay: Full KYC. Wirex: Full KYC.
See every card side by side with full specs and filters.
Compare All CardsNews & Articles
Fresh guides and reviews from the CryptoCardIndex desk