Head to head
Gnosis Pay vs Kast
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Gn Gnosis Pay | Ka Kast |
|---|---|---|
| Overall rank | #6 of 11 | #7 of 11 |
| Gross FX spread | 0% | 7.93% |
| Net cost on test | $1.60, expensive on small tickets | |
| Base cashback | 0 | 1.5%, locked for 14 days |
| Custody | Self-custodial | Custodial |
| Virtual card | Free | $2 |
| Physical card | €30 | ~$40 + delivery |
| Spend limit | €5,000 per transaction / €8,000 daily | Unlimited daily purchases |
| ATM withdrawals | 5 free ATM withdrawals per month or up to €200 | $3 flat + 2% of the withdrawal |
| Setup time | 20 minutes | ~10 minutes |
| KYC steps | 3 | 6 |
| Score | 8/10 | 6.3/10 |
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.
Kast
Kast works if you spend heavily in USD or move large amounts on Solana. For daily small-ticket ZAR spending, coffee, groceries, the flat low-transaction fee makes it one of the most expensive cards you could use in South Africa.
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+