Head to head
Gnosis Pay vs Bitget Wallet
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Gn Gnosis Pay | Bi Bitget Wallet |
|---|---|---|
| Overall rank | #6 of 11 | #3 of 11 |
| Gross FX spread | 0% | 0.51% |
| Net cost on test | ~$1.47, a perfect mid-market rate | |
| Base cashback | 0 | Full FX fee refunded as cashback |
| Custody | Self-custodial | Non-Custodial |
| Virtual card | Free | Free |
| Physical card | €30 | $49 processing & shipping |
| Spend limit | €5,000 per transaction / €8,000 daily | $5,000 daily / $100,000 yearly |
| ATM withdrawals | 5 free ATM withdrawals per month or up to €200 | No ATM or over-the-counter cash withdrawals |
| Setup time | 20 minutes | ~10 minutes |
| KYC steps | 3 | 5 |
| Score | 8/10 | 8.8/10 |
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.
Bitget Wallet
Factor in the $0.02 guaranteed cashback and your net effective cost drops to exactly $1.47. Bitget Wallet essentially subsidises the entire Mastercard network fee, giving you a mathematically perfect mid-market exchange rate.
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+