Gnosis Pay vs Oobit
How does Gnosis Pay compare to Oobit? A side-by-side look at fees, rewards, custody and availability.
Higher score: Oobit · provisional, see how we rate
| Feature | Gnosis Pay | Oobit |
|---|---|---|
| Our score | 8.4/10 | 8.7/10 |
| Type | Debit | — |
| Networks | Visa | Visa |
| Rewards | Up to 5% cashback on eligible transactions, based on the amount of GNO held in wallet | Up to 10% cashback |
| Annual fee | — | None (card creation and holding free) |
| FX fee | — | — |
| ATM fee | — | — |
| KYC | Full | — |
| Custody | Self-custodial | Self-custodial |
| Supported coins | USDC, EURC (stablecoins) | Bitcoin, USDT, Ethereum, Solana, Bitcoin Cash (and other stablecoins) |
| Availability | UK, EU (expanding) | 100+ countries |
| Apple / Google Pay | Yes | Yes |
When choosing between Gnosis Pay and Oobit, your decision will largely depend on your priorities regarding cashback, supported coins, and the extent of self-custody features you desire. Both cards offer unique advantages, but they cater to different needs.
Choose Gnosis Pay if…
- You want a card with transparent self-custody features: Gnosis Pay operates on a user-controlled Safe Smart Account, meaning you own your keys and have full control over your funds.
- You hold GNO tokens: The card offers up to 5% cashback on eligible transactions, but this is gated on the amount of GNO you hold in your wallet. If you are already invested in GNO, this could be a significant benefit.
- You are based in the UK or EU: Gnosis Pay is currently available in these regions, with plans for expansion. If you are outside these areas, you may need to wait for further availability.
- You prefer stablecoins: The card supports USDC and EURC, making it a good option if you primarily deal with these stablecoins.
- You value widespread merchant acceptance: Gnosis Pay is a Visa debit card, accepted at over 80 million merchants worldwide.
Choose Oobit if…
- You want higher cashback potential: Oobit offers up to 10% cashback, which is double what Gnosis Pay provides, although the specific conditions for achieving this rate are not detailed.
- You hold a variety of cryptocurrencies: Oobit supports a wider range of coins, including Bitcoin, Ethereum, Solana, and multiple stablecoins, giving you more flexibility.
- You are based in a country outside the UK and EU: Oobit is available in over 100 countries, making it a more accessible option for international users.
- You prefer to stay in crypto until payment: Oobit connects directly to your wallet (such as MetaMask, Trust Wallet, or Phantom), allowing you to keep your funds in crypto until you make a purchase.
- You are looking for a Visa Platinum card: Oobit offers a Visa Platinum card, which may come with additional benefits compared to a standard debit card.
Bottom line
Both Gnosis Pay and Oobit offer self-custodial solutions with cashback incentives, but they cater to different user profiles. Gnosis Pay is ideal for those who prioritize self-custody, hold GNO tokens, and are based in the UK or EU. On the other hand, Oobit is better suited for users who want higher cashback, hold a variety of cryptocurrencies, and need international accessibility. For more detailed insights on how we rate crypto cards, visit our ratings page.