Gnosis Pay vs MetaMask Card: which crypto card wins in 2026?
Head-to-head on the facts that decide your money: fee stacks, KYC levels, top-up coins, limits and cashback - every number sourced in the linked reviews.
Short answer: too close to call - they score 5.9/10 and 5.7/10 in our weighted review. The deciding factor is your priority: Gnosis Pay for reliability, MetaMask Card for UX. Facts checked 2026-11-07.
 Gnosis Pay |  MetaMask Card | |
|---|---|---|
| Overall score (0-10) | 5.9 | 5.7 |
| Card | Debit card · Visa · Virtual + physical | Debit card · Mastercard · Virtual only |
| KYC | Full KYC | Full KYC |
| KYC trigger | Sumsub-integrated verification at onboarding (integrated KYC/AML) | Identity verification during application |
| Weekend FX surcharge | unknown | unknown |
| Custody | Self-custody | Self-custody |
| Direct top-up coins | EURe, USDC, USDT | mUSD-Linea, USDC-Linea, USDT-Linea, wETH-Linea, EURe-Linea, GBPe-Linea, USDC-Solana, USDT-Solana, USDC-Base, USDT-Base, USDC-Monad |
| Top-up fee | 0% | 0% |
| FX fee | 0% | 1% |
| Monthly fee | none | none |
| ATM fee | 2% | 2% |
| Monthly spend limit | - | - |
| ATM daily limit | £/€ 500 (per-transaction £/€ 250) | - |
| Cashback | none | 1% in mUSD |
| Apple Pay | yes - Help center: 'Apple Pay and Google Pay transactions are not subject to this limit.' | yes - Card page: 'Tap to pay with mUSD, wETH, EURe, GBPe, USDC, and USDT via Apple Pay or Google Pay.' |
| Google Pay | yes - Help center: 'Apple Pay and Google Pay transactions are not subject to this limit.' | yes - Card page: 'Tap to pay with mUSD, wETH, EURe, GBPe, USDC, and USDT via Apple Pay or Google Pay.' |
| ATM withdrawal | yes (card + PIN 2%) | yes (documented 2%) |
| Regions | Europe (EEA), UK | Europe (EEA), LATAM, MENA |
| Operator | Gnosis Pay | MetaMask (Consensys) |
Score breakdown
Gnosis Pay scores higher on reliability (+1), limits (+1) · MetaMask Card scores higher on UX (+1) - weighted sub-scores, which include fees the headline numbers above leave out.
why 5.9/10?
why 5.7/10?
Gnosis Pay at a glance
Watch for the December 2026 sunset: the consumer product is closing. Solid self-custody architecture (card only moves whitelisted tokens from your Safe to settlement, up to a daily limit), but as a spending card it has an end date. Migrate to a partner app (Rebind/Picnic) or another self-custody card before 20 December 2026.
What works
- True self-custody: spends from your own Safe smart account (no custodial card balance)
- FCA-EMI issuer (Monavate) + UK-registered company
- Programmable spending limits via the smart account
- MiCA-compliant positioning, multi-chain (Ethereum, Polygon, Gnosis)
What to watch
- Full KYC (Sumsub)
- B2B pivot: consumer access now via partner apps - direct program details moved
- No cashback
- Stablecoin-only rails (EURe/USDC/USDT) - no BTC/XMR
MetaMask Card at a glance
The most mainstream self-custody card: MetaMask wallet spending stablecoins on Linea through a Mastercard program run with Baanx/Monavate, keys stay yours. 1% mUSD cashback on the orderable Virtual card; US and UK sign-ups are paused, Metal (3% tier) paused since June 2026. Verify current availability in-app before ordering.
What works
- Self-custody: spends directly from your own MetaMask wallet, funds stay yours until you pay
- 1% mUSD cashback auto-deposited, Mastercard rates conversion with no additional MetaMask FX fee
- Free Virtual card, Apple Pay + Google Pay support
- Consensys/Mastercard/Baanx corporate chain behind it
What to watch
- US sign-ups paused since 2026-06-03 and UK sign-ups closed - regional availability shrunk
- Metal card (3% tier) orders paused since 2026-06-02
- Stablecoin-only rail on specific networks - wrong-network deposits strand funds
- Full KYC incl. proof of residency
- Cashback in mUSD, a platform stablecoin - not your own key material until you move it
FAQ
Which is better for privacy, Gnosis Pay or MetaMask Card?
Both are comparable on privacy: Gnosis Pay requires Full KYC, while MetaMask Card requires Full KYC. Check the dated KYC facts in each review before applying.
Which is cheaper, Gnosis Pay or MetaMask Card?
Gnosis Pay runs the cheaper headline fee stack (0% load+FX vs 1%). Subscriptions, ATM fees and caps can flip that - run both through the true-cost calculator for your spending.
Which pays better cashback, Gnosis Pay or MetaMask Card?
MetaMask Card pays the higher headline cashback (1% vs 0%). Caps, tiers and payout token matter as much as the number - check the cashback rows in each review.
Scores and facts: meta-reviews with dated sources - Gnosis Pay · MetaMask Card. Method: how we verify. More: all crypto cards compared.