Head-to-head
ether.fi Cash vs Gnosis Pay
Two of the strongest self-custodial cards, both with an IBAN. ether.fi adds a crypto-backed credit line and yield; Gnosis Pay settles fully on-chain via a Safe. Here's the split.
Side by side
| Card | FX | IBAN | Regions | KYC |
|---|---|---|---|---|
| ether.fi Cash ↗ Investor: Bullish | 1% | Yes | US, UK, EU, Global | Yes |
| Gnosis Pay ↗ Investor: Gnosis | 0% | Yes | EEA | Yes |
Who each is for
- ether.fi Cash - if you want to borrow against crypto and earn ~5% APY while you spend.
- Gnosis Pay - if you want pure on-chain settlement via a Safe, EEA-based.
- Reach - ether.fi is broader; Gnosis Pay is EEA-only.
Compare every crypto card
See how these stack up against 180+ others by fees, custody, KYC and region.
Compare all cards →Common questions
Which one should I choose?
Two self-custody IBAN cards - credit & yield vs on-chain settlement.
Do these crypto cards require KYC?
Most do; a few no-KYC options exist but with lower limits and thinner protection. Completing KYC once usually unlocks higher limits and self-custody.
How do I choose between these two?
Match the card to your top priority - custody, FX and cashback, IBAN, or country coverage. The table above compares them side by side; browse the full directory for more options.
Sources: the official site of each card compared. Specs are indicative and change often - verify on the official site before signing up. Educational only, not financial advice.
Related guides
RedotPay vs Bitget Wallet
Two emerging-market cards - reach, custody and yield.
Bybit Card vs OKX Card
Two exchange cards - reach, FX and availability.
Fizen vs Crypto.com
Lounges and CRO staking vs self-custody, no FX and FiPoint.
Fizen vs Bybit Card
Self-custody vs spending straight from your exchange balance.