Head to head
Coca Card vs Gnosis Pay
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Co Coca Card | Gn Gnosis Pay |
|---|---|---|
| Overall rank | #1 of 11 | #6 of 11 |
| Gross FX spread | 1.18% | 0% |
| Net cost on test | $1.47 after cashback | |
| Base cashback | 1% in USDC, paid on the 10th | 0 |
| Custody | Non-Custodial | Self-custodial |
| Virtual card | Free | Free |
| Physical card | $1 + international shipping | €30 |
| Spend limit | $30,000 / month | €5,000 per transaction / €8,000 daily |
| ATM withdrawals | Fee-free up to $250/month, network fees apply above | 5 free ATM withdrawals per month or up to €200 |
| Setup time | ~8 minutes | 20 minutes |
| KYC steps | 4 | 3 |
| Score | 9.2/10 | 8/10 |
Coca Card
Coca lands at the top because it pairs a fully non-custodial architecture with stablecoin cashback that actually cancels out its spread. One tier upgrade makes it the strongest card in the test.
Gnosis Pay
Gnosis Pay is arguably the most secure and technologically advanced self-custodial card on the market. Gnosis Pay's parent company is one of the most respected within the crypto space. This adds a lot of trustworthiness to the system. The self-custody method is highly recommended, though KYC is standard.
Who ranks these cards
I'm Tristyn Pawson, founder of ConsistenC.xyz. Over the last five years I've worked on marketing, development and growth across five crypto cards and neobanks, building at least three of them from scratch.
Alongside that I've run in-depth research on 20+ crypto banks to understand what actually makes someone keep a card in their wallet. These rankings reflect that: which problems are tolerable, and which ones are genuine deal breakers.
- Years in market
- 5
- Cards built on
- 5
- Neobanks researched
- 20+