MiniPay Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Free |
|---|---|
| Annual fee | Free |
| FX fee | 0% MiniPay fee; the Visa exchange rate applies to non-USD purchases |
| ATM limit | "Low nominal" ATM fee per Opera press; no number published |
| Spending limit | Shown in-app only |
Fees change; the current ones are in MiniPay’s terms.
Features
- Cashback: Up to 5% (in XAUt, capped)
The fine print
- Up to 5% on eligible spend, paid monthly in Tether Gold (XAUt0), or USDC in the EEA
- Capped at $100 a month from 25 September 2026
- Credited 30 to 60 days later
- ATM, transfers, gambling, insurance, utilities, government and gift-card merchants excluded
- KYC: Yes
- Card type: Virtual only
- Top up with: From the MiniPay wallet balance: USDT, USDC and mUSD on Celo
Full list
- Stablecoin deposits from any chain or exchange with no deposit fee
- Local-currency funding in 60+ countries through third-party providers
- Available countries: Selected markets across the EEA, Africa, Latin America and Southeast Asia
Full list
The country list is not published and the card is rolling out in waves from the waitlist
Who issues the MiniPay Card
The MiniPay Card is issued by Monavate Limited + UAB Monavate, UK (FCA 901097) + Lithuania (Bank of Lithuania). The issuer is named in the source linked below. "issued through Monavate’s regulated card issuing and Visa’s global payments network, with Gnosis Pay serving as technical enabler and program manager"
Primary source · All cards issued by Monavate Limited + UAB Monavate · Why the issuer matters
Supported cryptocurrencies
You can load the MiniPay Card with crypto; the 2 assets we track for it are listed below.
Pros and cons
Pros
- Self-custody spending from Opera's Celo stablecoin wallet
The fine print
- No activation, monthly or MiniPay FX fee
- Up to 5% cashback paid in Tether Gold, or USDC in the EEA
- Apple Pay and Google Pay
- Free stablecoin deposits
- Issuer named, Monavate, with Gnosis Pay as programme manager
- No card issuance fee
- No annual maintenance fee
Cons
- Virtual only
The fine print
- ATM fee not published
- Cashback capped at $100 a month from 25 September 2026, paid 30 to 60 days later, with excluded categories, and changeable at any time
- Country list not published and the card reaches users in waves from the waitlist
- Gnosis Pay closes its own consumer card on 20 December 2026, so the programme now depends on Gnosis Pay's partner business
Regional availability
Available in several regions
Selected markets in Europe, Africa, Latin America, Southeast Asia; verification depends on country.
Banking and fiat rails
Card overview
The MiniPay Card is a digital-only virtual Visa debit card that went live June 23, 2026, but it is still early access, rolling out to eligible users in selected markets, not a global launch. Under the hood it is not Opera's own build. The rails are a white-label Gnosis Pay program running on Celo and MiniPay, with Monavate as the Visa BIN sponsor. Custody stays with you: your USDT and USDC sit in a non-custodial MiniPay wallet until the second you tap, and it works with Apple Pay and Google Pay at Visa merchants worldwide.
There is no monthly or annual fee, and topping up costs $0. The advertised reward is up to 5% back on eligible spend, paid monthly in tokenized gold (Tether Gold) or in USDC in the EEA, capped at $100 a month from 25 September 2026 and credited 30 to 60 days later, with ATM, transfers, gambling, utilities, government and gift-card merchants excluded. MiniPay adds no fee of its own on foreign purchases, which convert at the Visa rate, but no ATM fee is published, only a "low nominal fee."
Card eligibility covers parts of the EEA, Africa, Latin America, and Southeast Asia, with no published country list, and the card reaches users in waves from a waitlist. Gnosis Pay closed its own consumer card to new sign-ups on 30 September 2026, is closing it on 20 December 2026 and is moving to partner programmes such as this one.
- Best fit
- existing MiniPay or Celo users in those regions who hold stablecoins and want self-custody with a gold-based reward
- Wrong card if
- you want plastic (there is none) or you are in the US, which Gnosis Pay does not serve
Common questions about the MiniPay Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
