MetaMask Card: spend straight from your own wallet, 45 countries, and a support desk that frustrates people

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

MetaMask Card turns a self-custody crypto wallet into an ordinary Mastercard. You do not send your money to an exchange and wait for a card to be funded: your tokens stay in your own wallet, the card draws on them when you pay, and a virtual card appears in the app immediately after approval. That is a genuinely different shape from most crypto cards, and for people who already keep their money in a MetaMask wallet it removes the whole awkward middle step.

It is also not a bank account, and the card’s public pages are less tidy than the idea deserves. Sign-ups are open in 45 listed countries, the US and UK are temporarily closed, the free tier is genuinely free, and there is no foreign transaction fee. Against that: the fee charged per transaction has no published amount on the pages I read, several official pages contradict each other about ATM access and daily limits, and people who have dealt with support describe refunds parked in an internal balance and tickets that go in circles.

My score is 7.1 out of 10. The conditions described below are current as of October 28, 2026.

The score, and who this card is for

Who suits this card: you already hold tokens in a MetaMask wallet, you live in one of the 45 listed countries, and you want a payment card that spends those tokens without an exchange account in the middle. Self-custody wallet users in Europe and Latin America are the group the card is genuinely built around, and the token list is telling: alongside dollar-pegged coins there are euro and sterling ones, EURe and GBPe, which is not the shape of a card aimed at the US market.

Who it does not suit: if you need a card today and live in the US or UK, this is not it. If you want a bank account with direct debit, a sort code and a place to receive salary, this is not that either — it is a spending card fed from crypto you already hold. And if you are the kind of person who will not read a support page or hold your own keys, the freedom this card offers you is mostly a liability.

Will they give you the card?

Yes, but only in one of 45 listed countries or territories, and the answer for your location is not the answer for your nationality.

The official list, in full, is: Andorra, Argentina, Austria, Belgium, Brazil, Bulgaria, Canada, Chile, Colombia, Costa Rica, Croatia, Cyprus, Denmark, Dominican Republic, El Salvador, Finland, France, Germany, Gibraltar, Greece, Guatemala, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Liechtenstein, Luxembourg, Malta, Mexico, Monaco, Netherlands, Norway, Panama, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Uruguay. Russia, Belarus and Turkey are not in it.

Outside those, other regions join a waitlist. The card states the principle plainly: ineligible regions limit sign-ups, not spending. So a card obtained in one supported country can still be used abroad, which is the part that matters if you travel.

Two things the card’s public pages do not say. The citizenship rule is not stated — sign-up is governed by the list above, and nothing on the pages I read tells you what happens if you live in a listed country but hold a passport from one that is not. And the minimum age is not stated either. If either of those is your situation, you have to ask support rather than read it off a page.

One conflict to know about: the FAQ says sign-ups in the US and UK are temporarily closed, while the same page describes the Metal card as available in the US. Sign-up closed and card available are not the same statement, and I would plan as though you cannot open a US account right now.

How to get it

The path is short. You register in the MetaMask app, pass identity checks, and a virtual Mastercard appears in your account straight away — no physical card is mailed at sign-up. Once the virtual card is approved you can pre-order the Metal version in the app, which “ships securely to a verified address”.

What that involves in practice:

• Proof of residency is required. Not optional, and not something the card waives.
• KYC is handled by Crypto Life, the card provider. There is no credit check — nobody is assessing your borrowing history.
• One card per user. No second Virtual, no second Metal on the same account.
• A verified address is needed for Metal shipping, so the address question comes up twice if you want the physical card.
• MetaMask Card Support is available 24/7 for assisted replacement in your region.

What the official pages do not specify: which KYC documents are accepted, how many tiers of verification there are, how long processing takes, and what happens if you are rejected. Each of those is not stated.

One unofficial note, clearly labelled as such: a third-party comparison site (cryptocards.so, 2026) reports that email, a phone number and ID are required, that address proof and a selfie are not, and that approval is fast or near-instant. I did not see that confirmed on the card’s own pages, so treat the specifics as third-party reporting rather than the official requirement.

What it really costs

The headline is good and the footnote is not. The virtual card costs nothing at all to hold; Metal costs $199 a year; and there is no foreign transaction fee, so Mastercard’s rate is what you get. What the pages describe as a “minimal fee for each transaction” has no amount published on the pages I read — a fee table is linked, but I could not find figures in it.

Note that an older FAQ version gives the daily card limit as 8,750 EUR or 10,000 USD, which does not match the card page’s $15,000 and $30,000. Where the card page and the FAQ disagree, I have relied on the card page and flagged the conflict, because that is the newer-facing document. You can also set your own daily, weekly and monthly limits below the card’s ceiling, which is the practical answer to a limit you do not want in the first place.

One third-party listing (cryptocards.so, 2026) shows monthly, issuance, ATM, FX, top-up and decline fees all as free. That directly contradicts the card’s own “minimal fee for each transaction”, so I would not budget on it. The official wording is the one to plan around.

Three everyday payments, and what applies:

• A coffee at a local café. The card converts whatever token you have delegated into the merchant’s currency and takes the Mastercard rate with no added FX fee. The per-transaction fee applies here, and its size is the unknown. Cashback of 1% (Virtual) or up to 3% (Metal, within the $10,000 band) lands in mUSD in your Money Account.
• An online subscription. The virtual card stays active for subscriptions even when you freeze the physical one, which the card makes a feature rather than an accident. Same conversion path, same per-transaction fee, and here the friction matters more: 3-D Secure may ask you for a one-time code, and some merchants decline prepaid or foreign-issued card numbers.
• A withdrawal from a cash machine. $1,000/day on Virtual, $5,000/day on Metal, with a free allowance “up to $1,200/mo” — though which tier that allowance attaches to is not clear. Confusingly, an older FAQ says cash withdrawals are available only to US card users, which contradicts the ATM limits printed on the card page.

How to top it up

There is nothing to top up. That is the concept that takes a minute to understand and then makes everything else simpler.

You do not preload a balance. Spending draws directly on the tokens delegated to the card from your connected wallet, and the card balance shows the highest-priority token set under Manage. There is no fiat top-up step described, and no minimum top-up because there is no top-up.

What that means for networks and tokens:

• Networks: Linea, Base, Monad, Solana.
• Tokens named: mUSD, wETH, EURe, GBPe, USDC, USDT. The page says nine tokens in total but names these six.
• A Solana-only wallet cannot withdraw credit. That is stated plainly, and it is a trap worth knowing about before you rely on a single-network setup.

What is not stated: the network fee, deposit fee and minimum top-up amounts. I looked for figures and the limits-and-fees support page returned none.

Withdrawals go out as mUSD. Money Account holders receive vault Monad mUSD; everyone else receives priority EVM address Linea mUSD. Monad withdrawals have sponsored gas. To close the card you contact Crypto Life support, and if the card is frozen or deactivated your funds stay in your own wallet. Withdrawal fee: not stated.

One practical consequence of self-custody that the card’s own pages do not spell out: on networks like Ethereum, sending requires a small amount of ETH in the wallet to pay gas, so a wallet holding only USDT and nothing else cannot move it. Tether also says it disables tokens in wallets on the OFAC sanctions list and has frozen funds tied to illicit activity — stablecoins are not censorship-proof.

Paying with it every day

This is where the card is strongest, and the score reflects it.

• Instant. The virtual card activates immediately after approval.
• Apple Pay and Google Pay are both supported, so you can add the card to your phone’s wallet and stop carrying anything.
• Two tiers with real differences. Virtual is free with 1% cashback; Metal is $199/year with 3% cashback on the first $10,000 spent, then 1%, plus a 7X rather than 5X $FLY bonus through the Blackbird dining app. Metal holders can also opt into a 90-day Club Regular trial.
• You set your own limits, daily, weekly or monthly, below the card’s ceiling.
• Refund mechanics are clear. Ask the merchant first; if that fails, request a chargeback from Crypto Life support. Refunds go to the Credits balance. Time frames for either are not stated.

What is not stated: which merchant categories are blocked. Most issuers block gambling by policy rather than law, and MetaMask does not publish its list, so there is no way to check from outside whether a given merchant will work.

The card lives inside the MetaMask app, with transaction alerts and activity monitoring. Store ratings are not shown on the card page or FAQ, so I cannot tell you what users rate the card experience itself.

What can go wrong

Here I am least comfortable, and the 4/10 for reliability is the reason.

Support. The complaint themes reported to me and visible in community posts are consistent enough to take seriously: refunds that land in a Crypto Life “Credits” balance rather than back where you want them, support tickets that cycle through automated replies without a human resolving them, and slow responses with copy-paste answers and no live chat (the last point is unofficial, from cryptocards.so, 2026). The Trustpilot rating of 1.4/5 across 647 reviews is for MetaMask the wallet overall rather than the card specifically, with poor support and slow resolution as the main themes — so read it as a signal about the support culture, not a verdict on the card.

Delivery. Unofficial, and a single data point: a promised two-week Metal delivery took over a month. Delivery time, delivery cost and replacement cost are all not stated on the official pages.

Limits and freezes. Community reports describe cards frozen at lifetime-transaction limits until a manual upgrade, and account closure for inactivity. A declined payment can also leave a hold on your funds for several days, sometimes up to seven.

Bridging costs. Community posts mention that bridging to Linea or Base can quietly eat into your cashback. This is the general category problem wearing a specific hat: a transfer on the wrong network, or to an address belonging to another network, can be lost or need manual recovery with no guarantee.

The company’s structure. The card provider is Crypto Life; the issuer is Monavate (spelled that way in the FAQ). The site footer reads “Copyright 2026 Consensys, Inc.”, but the FAQ does not say Consensys provides the card — so do not read the footer as a statement about who stands behind your money. The issuer’s registered country and licences are not stated on the pages I read. One unofficial community post, cited by cryptocards.so (2026), names Monavate Limited as the FCA-regulated entity for UK complaints.

Insurance. Not stated. I found no deposit guarantee, no safeguarding claim and no insurance on the card’s pages. If that matters to you, it is a question to ask, not an assumption to make.

Charges. Do check the standard warning signs of a card number that looks foreign to a shop. Merchants can look up the issuing institution and country from the first six or eight digits of the card number, and some decline prepaid or foreign-issued cards outright. Address verification is also mainly a US, Canada and UK mechanism, which is generally unavailable for foreign-issued cards.

What to take instead

If the MetaMask card does not fit — wrong country, no appetite for self-custody, or you want published fee numbers — here is what the alternatives actually look like. I have pulled the same facts for each so the comparison is fair rather than flattering.

TokenPocket — score 5.8/10. A Visa debit card for a list of European countries and territories (Germany, France, Spain, Switzerland among them), and a Mastercard debit for Australia, Canada, Hong Kong, Japan, Taiwan, New Zealand, Singapore, South Korea and the UK, with the Americas planned for Q2 2025. It runs on Arbitrum and holds balances in EUR24 and USD24. Fiat24 cards are virtual, with no physical card mentioned. On cost: an NFT creation fee is partly covered by TokenPocket and you pay “a small portion”, and beyond that “TP Card does not charge any additional fees”. But a 1% fee is charged when depositing cryptocurrency into the card, to be refunded later via rewards or reduced transaction fees. FX fees are not stated, and extra fees can come from inter-institution settlement. No cashback is stated.

KAST — score 6.1/10. The most transparent pricing in this group, and the most expensive at the top. Its residence-based list is shown during KYC (“If your country isn’t listed, it means KAST is not available there”), though the country list itself is not published and a Restricted Locations list is referenced without naming countries. Citizenship matters independently of residence: if you live in a supported country but hold an ID from a restricted region, “you may still be ineligible to pass KYC”; dual citizens with an ID from a supported country may pass; only the account holder’s own ID is accepted and a VPN does not bypass this. You can create an account in an unsupported country, but KYC stays locked.

KAST runs Virtual and physical cards, up to 10 per user, across Visa Platinum (Standard), Visa Infinite metal (Premium) and Visa Infinite gold plated (Private), plus other designs. Membership is 0 USD for Standard, 1,000 USD/year for Premium and 10,000 USD/year for Private, billed annually upfront with no monthly option. An extra virtual card is 2 USD; a Standard physical card has a 0 USD card fee plus 40 USD delivery, while Premium and Private physical cards are included; inactivity runs 1 USD/month after 12 months. Fees: stablecoin top-up 0%, card spend in USD 0%, transaction fee 0%, Apple and Google Pay 0%. Non-USD FX is 0.5%–1.75% depending on your residence country, transaction country and card programme; non-USD transactions under 25 USD cost 0.10 USD; a declined transaction for insufficient balance costs 0.50 USD. Funding is USDT, USDC, PYUSD and RLUSD, with USDT and USDC on Ethereum, Solana, Polygon, Arbitrum and TRON — though the Terms say acceptable tokens are “currently USDT and USDC”, which conflicts with the app. Cashback is USD: Standard 1.5% on the first 2,000 USD/month, Premium 2% on the first 10,000 USD/month, Private 3% on the first 40,000 USD/month.

Zeal — score 6.1/10. A Visa card you can spend in 150+ countries, though issuance “depends on eligibility and regional availability”. The card programme is live in the EU, UK, Brazil, Colombia, Mexico, Japan, Singapore, Philippines, Indonesia and Thailand per the Gnosis Pay documentation, with Zeal update notes also mentioning Mexico, Colombia and Bolivia. There is a virtual card for online use, addable to Apple Pay, with accounts in EUR, USD and GBP; a physical card is not stated. Cost: not stated — no fee schedule is published on zeal.app or the App Store. On fees, Zeal charges no additional FX fee and converts at the Visa wholesale rate, though Gnosis Pay fees such as ATM may still apply. Balances sit in the card Safe as EUR/USD/GBP stablecoin accounts, on Gnosis Chain and Celo per the docs, with exact coins not stated for Zeal. Rewards: up to 4% cashback paid in GNO on Gnosis Chain, which you must hold in the card Safe to qualify and which can change; the App Store also advertises up to 5% variable APY on EUR and USD balances.

Read across all three and the pattern is consistent. TokenPocket is the cheapest-looking on the surface and quietest about FX. KAST publishes the most complete fee schedule of anything here, which makes it easy to check and easy to reject on price. Zeal has the widest stated reach and the least stated pricing. MetaMask sits apart from all of them on one point that matters more than any fee line: the crypto does not move to the provider. Your tokens stay in your wallet and the card spends from there. Everything else on this list is a custodial or balance-based model, where the provider holds your money at the moment of spending. That is a real difference — and it is also why MetaMask’s own fee schedule is the vaguest of the four.

Who I would recommend it to

I would recommend the MetaMask card to someone who already thinks in tokens. If your money lives in a self-custody MetaMask wallet across Linea, Base, Monad or Solana, and you would rather spend it than shuttle it through an exchange, this is the straightforward version of that idea: no preloading, no exchange account, keys that never leave you, and a virtual card in your pocket seconds after approval. Add Apple Pay, and it disappears into daily life.

I would not recommend it to you if you are in the US or UK today, if you need a bank account rather than a spending card, or if you would rather have a fee schedule with numbers in it than a promise that the fee is “minimal”. I would also think twice if your history with support matters to your decision — the complaints about refunds sitting in a Credits balance and tickets going nowhere are the kind of thing that matters most when something goes wrong, and that is exactly when you will need a human being on the other end.

And check your country against that list of 45 before anything else. It is the cheapest two minutes you will spend, and it is the gate on everything else here.

Frequently asked questions

What is the MetaMask Card?

The MetaMask Card is a Mastercard that spends directly from tokens held in your own MetaMask wallet, without moving crypto to an exchange or an account balance first. A virtual card is issued instantly after approval and can be added to Apple Pay or Google Pay; a physical Metal version costs $199 a year. Because the wallet is self-custody, your private keys never leave your device and your funds stay in your wallet even if the card is frozen.

How does the MetaMask Card work?

You delegate tokens to the card from your connected wallet, and each purchase draws on the delegated set, with the balance shown under Manage in the app. The card converts the token into the merchant’s currency using the rate Mastercard allows, with no added foreign transaction fee, and charges a “minimal fee for each transaction” whose amount is not published on the pages I read. Networks supported are Linea, Base, Monad and Solana.

Is MetaMask a bank?

No. MetaMask is a crypto wallet software company; the card is provided by Crypto Life and issued by Monavate, with Mastercard as the card network. The site footer names Consensys, Inc., but the FAQ does not state that Consensys provides the card. There is no current account, no direct debit and no salary function — it is a payment card funded from crypto you already hold.

Who owns MetaMask?

MetaMask was acquired by Consensys in 2022, and the site footer reads “Copyright 2026 Consensys, Inc.” That is the corporate parent of the wallet. It does not, on the pages I read, make Consensys the provider or issuer of the card itself — those roles sit with Crypto Life and Monavate respectively.

Is the MetaMask Card available in my country?

Sign-up is open in 45 listed countries and territories, including Andorra, Argentina, Brazil, Canada, Mexico, Germany, France, Spain and Uruguay. Russia, Belarus and Turkey are not on the list. Other regions join a waitlist, and US and UK sign-ups are temporarily closed. Ineligible regions limit sign-up, not spending.

Does the MetaMask Card require KYC?

Yes, and the card requires proof of residency; KYC itself is handled by Crypto Life, and there is no credit check. A verified address is additionally needed for Metal shipping. Which documents are accepted, how many verification tiers exist and the processing time are not stated on the official pages. A third-party site reports email, phone and ID are required and that approval is near-instant.

How do I top up the MetaMask Card?

You do not. There is no preloading step and no minimum top-up, because spending draws directly on tokens delegated from your connected wallet. You hold mUSD, wETH, EURe, GBPe, USDC, USDT and others across Linea, Base, Monad and Solana. Note that a Solana-only wallet cannot withdraw credit, and network fees for your own deposits are charged by the blockchain, not the card provider.

Is the MetaMask Card free?

The virtual card is free, with no annual or maintenance fee. The Metal card costs $199 per year. There is no foreign transaction fee, so you get the Mastercard rate. But each transaction carries a “minimal fee” that the card’s own pages do not put a number to, and ATM use is limited to $1,000/day on Virtual and $5,000/day on Metal, with a free allowance quoted as “up to $1,200/mo”.

Is the MetaMask Card safe?

The funds stay in your own wallet, so a stolen card does not mean stolen crypto, and you can freeze or replace the card instantly in the app with the balance untouched. That is the strong side. The weak side is the provider around it: no insurance or safeguarding is stated on the pages I read, support complaints include refunds parked in a “Credits” balance and looping tickets, and self-custody means key loss, phishing and bad transfers are entirely your responsibility.

How do I withdraw money from MetaMask?

Withdrawals go out as mUSD: Money Account holders receive vault Monad mUSD, and everyone else receives priority EVM address Linea mUSD, with Monad withdrawals having sponsored gas. A Solana-only wallet cannot withdraw credit. The withdrawal fee is not stated. To close the card you contact Crypto Life support, and funds remain in your own wallet if the card is frozen or deactivated.

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