/ Crypto Card Compare

Gnosis Pay Card vs Holyheld Card

Both cards target users who want self-custodial spending. Here's the side-by-side on fees, cashback, and where each is available — verified May 2026.

Gnosis Pay Card
Holyheld Card
Provider
Gnosis Pay Co Ltd (UK) / Monavate (issuer)
UAB Holyheld Financial / Unlimit (Cyprus EMI)
Network
Visa
Mastercard
Funding model
Self-custodial — funds stay in your wallet until spent
Self-custodial — funds stay in your wallet until spent
Cashback
Up to 5% in GNO (realistic ~2%)
Up to 1% in USDC (realistic ~0.5%)
Issuance fee
$33
$32
Monthly fee
$0
$0
FX markup
1.5%
0%
ATM fee
—
2.5%
Available in
United Kingdom, European Economic Area, and Latin America
European Economic Area
Settlement currency
EUR
EUR

The verdict

Gnosis Pay Card pays meaningfully more cashback in practice (2.0% vs 0.5%). Holyheld Card has no FX markup, making it the better travel option.

About Gnosis Pay Card

Gnosis Pay Card is a Visa debit card issued by Gnosis Pay Co Ltd (UK) / Monavate (issuer), available to residents of United Kingdom, European Economic Area, and Latin America. It is a self-custodial card — your funds remain in your wallet until each transaction is authorised. Cashback is Up to 5% in GNO (realistic ~2%).

Full Gnosis Pay Card review →

About Holyheld Card

Holyheld Card is a Mastercard debit card issued by UAB Holyheld Financial / Unlimit (Cyprus EMI), available to residents of European Economic Area. It is a self-custodial card — your funds remain in your wallet until each transaction is authorised. Cashback is Up to 1% in USDC (realistic ~0.5%).

Full Holyheld Card review →

Other comparisons

Last verified May 2026. How we collect this data · Affiliate links and direct links are presented equally.