Gnosis Pay vs Ready Card (Argent)
On cashback Gnosis Pay wins (up to 5%, but the full rate requires Richiesto staking/holding del token). Neither wins across the board: weigh the points above against your use case before choosing between Gnosis Pay and Ready Card (Argent).
| Gnosis Pay | Ready Card (Argent) | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 4.2 | ★ 4.2 |
| Estimated net annual cost | €0 | €0 |
| Network | Visa | Mastercard |
| Fund custody | Self-custody (funds in your control) | Self-custody (funds in your control) |
| Issuance fee | €30 | Free |
| Annual fee | Free | Free |
| Free ATM limit | No ATM available | Lite: $200/mese; Metal: $800/mese (poi 2%) |
| ATM withdrawal | Free | 2% |
| FX markup | 0% | 0% |
| Cashback | 5% in GNO · Richiesto staking/holding del token | 3% in STRK · Nessuno |
| Chains | Gnosis Chain | — |
| On-chain settlement | Yes | Yes |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 6/10 | 7/10 |
| Supported countries | EEA, UK, LATAM · 35+ countries | EEA, UK · 31+ countries |
| Funding / solidity | $100B+ in asset gestiti su Safe · zero incidenti di sicurezza | — |
| Regulator | UK FCA; Bank of Lithuania | UK FCA (partner Kulipa) |
| Segment | B2C | B2C |
| Regions | EU/EEA, UK, LATAM | EU/EEA, UK |
| Licences & safety | MiCA | EMI (partner Kulipa) |
Frequently asked questions
Gnosis Pay vs Ready Card (Argent): which is better?
On cashback Gnosis Pay wins (up to 5%, but the full rate requires Richiesto staking/holding del token). Neither wins across the board: weigh the points above against your use case before choosing between Gnosis Pay and Ready Card (Argent).
Which is cheaper, Gnosis Pay or Ready Card (Argent)?
On the standard spending profile Gnosis Pay has the lowest net annual cost: €0 versus €0 for Ready Card (Argent).
Which offers more cashback, Gnosis Pay or Ready Card (Argent)?
Gnosis Pay has the highest cashback: up to 5%. Note the top rate often requires token staking and is subject to spending caps.
Is Gnosis Pay custodial or self-custody?
Gnosis Pay is self-custody: you keep the keys, while Ready Card (Argent) is self-custody.