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Comparing Gnosis Pay Card and MetaMask Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
Some cards on this page link to affiliate partners, and we may earn a commission if you sign up. The comparison verdict comes from our public scoring formula either way — read our editorial disclosure.
The short version:
These two are close: MetaMask at 4.5/5 vs Gnosis Pay at 4.2/5. MetaMask has a small lead, but which card works better depends on what you need.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual; Metal Physical |
| Network | Visa Debit | Mastercard Debit |
| Custody | Self-custody | Self-custody |
| Costs | ||
| Issuance fee | €30.23 (often waived via referrals) | Free |
| Annual fee | Free | Free |
| FX fee | 0% FX markup from Gnosis Pay — only Visa's wholesale exchange rate is applied (no additional foreign transaction fee) | 0% foreign transaction fees (Mastercard standard rates only) |
| Rewards | ||
| Cashback | Up to 5% (Tiers) | Up to 3% |
| Yield on spendable balance | No | Yes |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay) |
| Bank account in your name | Yes IBAN (Estonia, via Monerium); Yes SEPA; SWIFT not disclosed | No |
| Daily spend limit | €8000/day | Based on wallet balance and spending caps |
| ATM withdrawal limit | €200/month or 5 withdrawals free; then 2%; daily ATM cap €500 | Not disclosed |
| Top-up methods | EURe, GBPe, USDCe stablecoins on Gnosis Chain (via Monerium) | USDC, USDT, wETH on Linea network |
| Regions | 32 European countries; also Brazil via Picnic partner and Argentina via partners | 45 countries per metamask.io/card, 47 on the help centre which adds Bahrain and Oman: 23…45 countries per metamask.io/card, 47 on the help centre which adds Bahrain and Oman: 23 of the 27 EU states plus Iceland, Liechtenstein, Norway, Switzerland, Andorra, Monaco, Gibraltar, Guernsey, Jersey, Isle of Man, Canada and nine Latin American markets. Not available in the USA or in the United Kingdom - new sign-ups are closed in both and MetaMask publishes no date for either pause; existing holders unaffected |
| Behind the card | ||
| Card issuer | Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania)Named in the card terms | Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania)Inferred, not stated by the issuer |
| Our read | ||
| Strengths |
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| Trade-offs | Nothing flagged by these checks | Nothing flagged by these checks |
| Get Gnosis Pay Card | Get MetaMask Card | |
MetaMask Card is the better card here. MetaMask also lets you earn yield on your deposits, something Gnosis Pay doesn't offer. Zero fixed costs give MetaMask a cost advantage from day one. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Gnosis Pay may be better if you prefer self-custody need something it does better.
In short: MetaMask Card (4.5/5) is the stronger option for most people compared to Gnosis Pay Card (4.2/5).
