Bleap vs Gnosis Pay: which self-custody card keeps more of your money?
By Premio editorial team
· fact-checked by Premio data desk
· updated
24 Sep 2026
· scored with
The short answer
Both cards settle from a wallet you control and charge nothing on FX. The split is the cap: Bleap pays 1% only on the first €3,000 a month, Gnosis Pay pays 1% on everything. Under €3,000 a month, Bleap wins; above it, Gnosis Pay wins. Neither supports Samsung Pay.
Side by side
BL
Bleap
8.4 / 10
Base cashback
1%
cap €30/mo
Top cashback
20%
€50k staked
Annual fee
€0
FX markup
0%
ATM
2%
Custody
Self-custody
Network
Mastercard
KYC
full
Wallets
Apple Pay · Google Pay
Available in
EU/UK
Bonus
$10
first purchase
Partner link
GN
Gnosis Pay
8.1 / 10
Base cashback
1%
no cap
Top cashback
5%
hold GNO
Annual fee
€0
FX markup
0%
ATM
None
Custody
Self-custody
Network
Visa
KYC
full
Wallets
Apple Pay · Google Pay
Available in
EU/UK
Bonus
Not a partner
Partner links earn us a commission. They never change our verdict.
Who wins for what
Spending under €3,000 a month
Winner: Bleap
Same 1% as Gnosis Pay up to the €30 cap, plus a €9.90 physical card, ATM access and faster support.
Spending over €3,000 a month
Winner: Gnosis Pay
Bleap stops paying at the cap; Gnosis Pay pays 1% on everything, with higher daily limits.
Cash withdrawals
Winner: Bleap
2% ATM fee (min €2). Gnosis Pay has no ATM access at all.
Frequently asked
Which is cheaper, Bleap or Gnosis Pay?
Both charge €0 a year and 0% FX. Bleap’s physical card costs €9.90 once; Gnosis Pay’s costs €30.23.
Do both cards let me keep custody of my crypto?
Yes. Both settle from a wallet you control; neither issuer can move your funds.
Can I use either card with Samsung Pay?
No. Both support Apple Pay and Google Pay only, as of September 2026.