Gnosis Pay vs ZEN Card
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
Gnosis Pay
KYC
ZEN Card
KYC
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
2%
10%
ATM fee
2%
1.5%
FX fee
Free
0.5%
Per transaction
Unlimited
Unlimited
Daily limit
$8k
$10k
Monthly limit
Unlimited
Unlimited
KYC
KYC
KYC
Card type
Debit
Debit
Custody
Non-custodial
Custodial
Conversion fee
Free
Free
ATM per transaction
$200
Unlimited
Network
visa
mastercard
IBAN
✓
✓
Apple Pay
✓
✓
Google Pay
✓
✓
Countries
15
25
Coins
ETH, USDC
BTC, ETH, USDC, USDT
Gnosis Pay vs ZEN Card 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.