Ether.fi Cash vs Gnosis Pay: 2% cashback or zero FX?
By Premio editorial team
· fact-checked by Premio data desk
· updated
24 Sep 2026
· scored with
The short answer
Ether.fi Cash pays 2% on the base tier and works in the US as well as the EU, but charges 1% FX. Gnosis Pay pays 1% with no cap and 0% FX, in the EU and UK. For spending in euros, Gnosis Pay wins; for the higher base rate and US use, Ether.fi Cash wins.
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
Everyday spending in the EU
Winner: Gnosis Pay
0% FX and 1% on everything, with no monthly cap.
Highest base cashback
Winner: Ether.fi Cash
2% on the base tier, 3% on the Club tier.
Living in the US
Winner: Ether.fi Cash
Available in the US; Gnosis Pay covers the EU and UK.
Frequently asked
Which pays more cashback, Ether.fi Cash or Gnosis Pay?
On the base tier, Ether.fi Cash: 2% against 1%. The gap narrows once you count its 1% FX fee on non-euro spend.
Can I withdraw cash with these cards?
Ether.fi Cash, yes, at 3% per withdrawal. Gnosis Pay has no ATM access.
Do either of them charge an annual fee?
No. Both base tiers cost €0 a year.