Phantom Cash vs Gnosis Pay
On the standard spending profile, Phantom Cash has the lowest net annual cost (€0). Gnosis Pay offers the highest cashback (5%). Pick Phantom Cash if you prioritise key control (self-custody); consider Gnosis Pay if you prefer self-custody.
| Phantom Cash | Gnosis Pay | |
|---|---|---|
| Tier | A | B |
| Rating | ★ 4.6 | ★ 4.2 |
| FX markup | 1% | 0% |
| Cashback | 0% | 5% |
| Annual fee | Free | Free |
| Estimated net annual cost | €0 | €0 |
| Custodial | Self-custody | Self-custody |
| Network | Visa | Visa |
| Regions | US | EU/EEA, UK, LATAM |
| Licences & safety | Stripe Issuing / BIN sponsor (partner bank model) | MiCA |
Frequently asked questions
Phantom Cash vs Gnosis Pay: which is better?
On the standard spending profile, Phantom Cash has the lowest net annual cost (€0). Gnosis Pay offers the highest cashback (5%). Pick Phantom Cash if you prioritise key control (self-custody); consider Gnosis Pay if you prefer self-custody.
Which is cheaper, Phantom Cash or Gnosis Pay?
On the standard spending profile Phantom Cash has the lowest net annual cost: €0 versus €0 for Gnosis Pay.
Which offers more cashback, Phantom Cash or Gnosis Pay?
Gnosis Pay has the highest cashback: up to 5%. Note the top rate often requires token staking and is subject to spending caps.
Is Phantom Cash custodial or self-custody?
Phantom Cash is self-custody: you keep the keys, while Gnosis Pay is self-custody.
Which is better for spending abroad?
For foreign-currency spending Gnosis Pay wins, with the lowest FX markup: 0%.