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Comparing Holyheld 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: Holyheld at 4.6/5 vs MetaMask at 4.5/5. Holyheld has a small lead, but which card works better depends on what you need.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual; Metal Physical |
| Network | Mastercard Debit | Mastercard Debit |
| Custody | Self-custody | Self-custody |
| Costs | ||
| Issuance fee | Classic €29; Limited €99; Metal €199 | Free |
| Annual fee | Free (€1/mo inactivity fee after 4 months no card use) | Free |
| FX fee | 0% in EUR inside the EEA0% in EUR inside the EEA; 2.5% + €1 outside it; on top of that the issuer applies a separate 3% mark-up over the Mastercard rate to any transaction not in EUR, published only in the Unlimit fee schedule while Holyheld's own pages say 0% FX — a foreign-currency purchase abroad pays both | 0% foreign transaction fees (Mastercard standard rates only) |
| Rewards | ||
| Cashback | Up to 1% | Up to 3% |
| Yield on spendable balance | NoThe issuer pays yield, but in a separate product | Yes |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay) |
| Bank account in your name | IBAN yes (Cyprus-based personal IBAN), SEPA yes, SWIFT not disclosed | No |
| Daily spend limit | €10000/day | Based on wallet balance and spending caps |
| ATM withdrawal limit | €1000/day; €5000/month; €60000/year | Not disclosed |
| Top-up methods | 1,200+ tokens across 20+ networks; connect your own wallet, convert to EUR and move it to the account balance; gasless approvals on external-wallet top-up; SEPA in via personal IBAN | USDC, USDT, wETH on Linea network |
| Regions | 30 EEA countries only | 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 | Unlimit EU Ltd — Cyprus (Central Bank of Cyprus EMI, company number HE 328641)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 Holyheld Card | Get MetaMask Card | |
Holyheld Card is the better card here. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, MetaMask may be better if you prefer self-custody need something it does better.
In short: Holyheld Card (4.6/5) is the stronger option for most people compared to MetaMask Card (4.5/5).
