Provider comparison
Gnosis Pay Card vs Holyheld Card: compare effective rewards, reward asset, fees, regulation, and custody in one head-to-head table.
Gnosis Pay Card is a non-custodial crypto debit card that lets you spend your crypto directly from your own w…
Holyheld Card is a non-custodial crypto card that lets you spend your crypto directly from your own wallet. I…
Effective rewards
Gnosis Pay Card
Holyheld Card
Reward asset
Gnosis Pay Card
Holyheld Card
Staking tier
Gnosis Pay Card
Holyheld Card
Custody
Gnosis Pay Card
Holyheld Card
Annual fee
Gnosis Pay Card
Holyheld Card
FX fee
Gnosis Pay Card
Holyheld Card
ATM fee
Gnosis Pay Card
Holyheld Card
Conversion spread
Gnosis Pay Card
Holyheld Card
Network
Gnosis Pay Card
Holyheld Card
Apple / Google Pay
Gnosis Pay Card
Holyheld Card
Region availability
Gnosis Pay Card
Holyheld Card
| Feature | Gnosis Pay Card | Holyheld Card |
|---|---|---|
| Effective rewards | 1-5% (interim program 9 Nov 2025 to 30 Jun 2026, then partner-led; not permanent) | Up to 1% cashback |
| Reward asset | GNO | USDC |
| Staking tier | GNO held in Safe: 0.1 (1%) / 1 (2%) / 10 (3%) / 100 (4%) + 1% OG NFT = 5% max | |
| Custody | Non-custodial | Non-custodial |
| Annual fee | No annual fee (card purchase cost) | Verify |
| FX fee | 0% | Verify |
| ATM fee | Verify; generally low | Verify |
| Conversion spread | 0% conversion fee (EURe stablecoin spend) | Top up from own wallet; minimal |
| Network | Visa | Verify (Visa/Mastercard) |
| Apple / Google Pay | Yes (Apple Pay) | Verify |
| Region availability | EEA, UK, Brazil (expanding) | EEA |
Gnosis Pay Card
Gnosis Pay Card is a non-custodial crypto debit card that lets you spend your crypto directly from your own wallet. It offers a self-custodial alternative to traditional crypto cards, but requires careful setup and understanding.
Holyheld Card
Holyheld Card is a non-custodial crypto card that lets you spend your crypto directly from your own wallet. It's designed for users who want full control over their funds without relying on a third-party custodian.
Risk warning: Cryptocurrency is a volatile, high-risk asset class. Prices can fall as well as rise, and you could lose some or all of the money you put in. Custodial providers carry counterparty risk; self-custody puts key security entirely on you. This page is general information, not financial advice.
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