Head to head
Wirex One vs Gnosis Pay
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Wi Wirex One | Gn Gnosis Pay |
|---|---|---|
| Overall rank | #4 of 11 | #6 of 11 |
| Gross FX spread | 1.18% | 0% |
| Net cost on test | $1.50 all-in | |
| Base cashback | 0.5% paid in WXT | 0 |
| Custody | Self-Custodial | Self-custodial |
| Virtual card | Free | Free |
| Physical card | Locked behind Premium tiers | €30 |
| Spend limit | High, tier and source-of-wealth dependent | €5,000 per transaction / €8,000 daily |
| ATM withdrawals | Free up to ~$250/month, 2% thereafter | 5 free ATM withdrawals per month or up to €200 |
| Setup time | ~12 minutes | 20 minutes |
| KYC steps | 5 | 3 |
| Score | 8.1/10 | 8/10 |
Wirex One
Wirex is highly competitive. A 1.18% all-in spread puts it right next to Coca and Bitget as one of the cheapest cards for spending Rands in South Africa. The downsides are volatile WXT-denominated cashback and strict proof-of-address onboarding.
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+