Head to head
Gnosis Pay vs Oobit
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Gn Gnosis Pay | Oo Oobit |
|---|---|---|
| Overall rank | #6 of 11 | #8 of 11 |
| Gross FX spread | 0% | 17.5% |
| Net cost on test | $1.74, very expensive on small spends | |
| Base cashback | 0 | 1% (up to 10% on tiers) |
| Custody | Self-custodial | Self-Custodial |
| Virtual card | Free | Free |
| Physical card | €30 | Not available, Apple Pay and Google Pay only |
| Spend limit | €5,000 per transaction / €8,000 daily | $5,000 daily / $150,000 monthly |
| ATM withdrawals | 5 free ATM withdrawals per month or up to €200 | Not supported (virtual only) |
| Setup time | 20 minutes | ~7 minutes |
| KYC steps | 3 | 5 |
| Score | 8/10 | 5.9/10 |
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.
Oobit
Oobit's underlying technology is arguably the best on the market for true Web3 self-custody. But buy a R5,000 plane ticket and you pay a standard 1% fee; buy a R25 coffee and that $0.25 minimum hits you with a 15–20% effective markup every single time.
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+