ZEN Card vs Gnosis Pay
The short answer
Winner: Gnosis Pay — 7.6/10 versus 7.4/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
ZEN Card
KYC
Gnosis Pay
KYC
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
10%
2%
ATM fee
1.5%
2%
FX fee
0.5%
Free
Per transaction
Unlimited
Unlimited
Daily limit
$10k
$8k
Monthly limit
Unlimited
Unlimited
KYC
KYC
KYC
Card type
Debit
Debit
Custody
Custodial
Non-custodial
Conversion fee
Free
Free
ATM per transaction
Unlimited
$200
Network
mastercard
visa
IBAN
✓
✓
Apple Pay
✓
✓
Google Pay
✓
✓
Countries
25
15
Coins
BTC, ETH, USDC, USDT
ETH, USDC
ZEN Card vs Gnosis Pay FAQ
On our composite score Gnosis Pay edges ahead (7.6/10 vs 7.4/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.