Image: Bleap
Image: Gnosis PayBleap vs Gnosis Pay
Quick answer
Pick Bleap. Both are self-custody cards for Europe, but Gnosis Pay stopped new sign-ups and ended its GNO cashback on 30 September 2026, and its own cards are being wound down by the end of 2026. Bleap is free, adds no FX or conversion fee, gives €400 a month of free ATM use and pays category cashback in USDC.
Bleap and Gnosis Pay compared
| Bleap | Gnosis Pay | |
|---|---|---|
| Our score | 7.8/10 | 5.4/10 |
| Best for | Europeans who want self-custody with strong everyday cashback in stablecoins. | Existing Gnosis Pay users planning their move to a partner app before the card winds down. |
| Cashback | 1% to 20% in USDC by category | Ended 30 September 2026 |
| Card cost | Not published | €30.23 card purchase including shipping. Replacement for lost, stolen or damaged cards £/€4.99. |
| Annual fee | None | No annual fee listed |
| FX | 0% from Bleap. Mastercard's rate and a small network spread apply. | No FX markup from Gnosis Pay. Choose local currency at the terminal for the best rate. |
| Conversion | 0% from Bleap | None when spending EURe, GBPe or USDCe |
| ATM | Free up to €400 a month, then 2% | Free up to £/€200 or 5 withdrawals a month, whichever comes first. After that 2% per withdrawal (minimum £/€1). |
| Custody | Self-custody smart account | Self-custody (a Safe smart account you control) |
| Network | Mastercard | Visa |
| Top up with | Hold USDC, USDT, ETH, BTC, SOL or USDe in your Bleap smart account on Base or Polygon | Send EURe, GBPe or USDCe to your Gnosis Pay Safe on Gnosis Chain; Bank transfer to your personal IBAN, which converts to EURe or GBPe |
| Withdraw by | Send funds from your smart account to any wallet; ATM withdrawals | Send funds from your Safe to any wallet; Bank transfer out through your IBAN; ATM cash withdrawals |
| Where it works | The EEA. Latin America is planned. | Closed to new sign-ups since 30 September 2026. Existing cards were issued mainly in the EEA and UK, plus some Latin American countries. |
| Last checked | 16 October 2026 | 17 October 2026 |
Which one should you pick?
Bleap was already the better rewards card, with stablecoin cashback that doesn't need a token. Gnosis Pay's edge was its IBAN, and existing users can keep that by moving to a partner app such as Rebind. For anyone choosing a card now, Bleap is the one that's open.
Frequently asked questions
Which is cheaper abroad, Bleap or Gnosis Pay?
On the entry tier, Gnosis Pay has the lower FX markup. Bleap: 0% from Bleap. Mastercard's rate and a small network spread apply.. Gnosis Pay: No FX markup from Gnosis Pay. Choose local currency at the terminal for the best rate..
Which pays more cashback, Bleap or Gnosis Pay?
Bleap has the higher top rate. Bleap: 1% to 20% in USDC by category. Gnosis Pay: Ended 30 September 2026. Check caps and requirements on each review.
Are Bleap and Gnosis Pay self-custody?
Bleap: Self-custody smart account. Gnosis Pay: Self-custody (a Safe smart account you control).