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 5.8/10 and 5.6/10 in our weighted review. The deciding factor is your priority: Gnosis Pay for reliability, MetaMask Card for UX. Facts checked 2026-09-18.
| Gnosis Pay | MetaMask Card | |
|---|---|---|
| Overall score (0-10) | 5.8 | 5.6 |
| 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 |
| Custody | Self-custody | Self-custody |
| Direct top-up coins | EURe, USDC, USDT | USDC-Linea, USDT-Linea |
| Top-up fee | unknown | unknown |
| FX fee | unknown | unknown |
| Monthly fee | unknown | unknown |
| ATM fee | - | - |
| Monthly spend limit | - | - |
| ATM daily limit | - | - |
| Cashback | unknown | unknown |
| Apple Pay | yes | yes |
| Google Pay | yes | yes |
| Regions | Europe (EEA), UK, worldwide | Europe (EEA), UK, USA, LATAM, APAC |
| Operator | Gnosis Pay | MetaMask (Consensys) |
// Score breakdown
Gnosis Pay leads on reliability (+1), limits (+1) · MetaMask Card leads on UX (+1).
why 5.8/10?
why 5.6/10?
// Gnosis Pay at a glance
The reference architecture for self-custody spending: your own Safe smart account settles stablecoins to a Monavate-issued Visa - no custodial balance. The 2026 B2B pivot means consumers now reach it through partner apps, and rewards are minimal.
++ 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 Monavate-issued Mastercard, keys stay yours. Application throughput and the stablecoin-only rail are the practical limits.
++ What works
- Self-custody: spends directly from your own MetaMask wallet
- The largest self-custodial wallet brand behind it (Consensys)
- USDC/USDT on Linea with near-zero network fees
- Apple/Google Pay support
-- What to watch
- Stablecoin-only (USDC/USDT on specific networks - wrong-network deposits strand funds)
- Application processing can take weeks (community reports)
- Full KYC; regional availability varies
- No cashback
// 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?
Both publish comparable headline fee stacks. 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?
Neither card pays cashback.
Scores and facts: meta-reviews with dated sources - Gnosis Pay · MetaMask Card. Method: how we verify. More: all crypto cards compared.