Spending from your own wallet, on a Mastercard
Available in US
The MetaMask card is unusual in one specific way. Most crypto cards quietly hold your tokens with a custodian and give you a prepaid balance; the MetaMask card spends directly from the wallet whose keys only you hold. That single design choice shapes everything about it: who can get one, what it costs, and where it works, and also where it can go wrong. This review is a walk through the card as MetaMask actually publishes it, with the everyday details (fees, cashback, ATM limits, supported networks) spelled out and the rough edges (conflicting FAQ pages, a thin track record of complaints) called out plainly.
Conditions on this page are current as of October 28, 2026.
Verdict
MetaMask scores 7.1 out of 10 in our reading of the card. The everyday experience is strong: a free virtual card issued instantly, Apple Pay and Google Pay support, a 1% or 3% cashback in mUSD, and a spend path that does not require you to trust a custodian with your balance. Costs are competitive, with the main trade-off being the $199-a-year Metal tier, and there is no foreign transaction fee on top of the Mastercard rate. The card loses marks in two areas. First, sign-ups are open in 45 countries but the US and UK are temporarily closed, which rules out the largest English-speaking markets. Second, the operational picture is uneven: the card page and the FAQ disagree on ATM eligibility, refund handling has been criticised for trapping balances in a “Credits” bucket, and several users report slow support. The card is a good fit for self-custody wallet users in Europe and Latin America who already keep funds in MetaMask and want to spend them without giving up control of their keys. It is a weaker fit if you live in the US or UK today, or if you want a polished traditional banking experience with a live chat and a phone number on the back of the card.
Score breakdown
| Criterion | Mark | Reason |
|---|---|---|
| Who can get it | 7 / 10 | Open in 45 countries across Europe, Latin America and Canada, with the US and UK temporarily closed and the rest on a waitlist |
| Cost | 8 / 10 | Virtual is free, no monthly or annual fee; Metal is $199 a year; small per-transaction fee with no FX markup and no foreign transaction fee |
| Top-up options | 8 / 10 | Spends directly from a connected wallet on Linea, Base, Monad and Solana, with mUSD, wETH, EURe, GBPe, USDC and USDT accepted; a Solana-only wallet cannot withdraw |
| Reliability and complaints | 4 / 10 | Issuer Monovate and card provider Crypto Life; user reports of refunds stuck in “Credits”, looping support tickets, and card freezes at lifetime limits |
| Everyday use | 9 / 10 | Virtual card is instant and there is a Metal upgrade; Apple Pay and Google Pay supported; ATM up to $1,000 a day (Virtual) or $5,000 (Metal) |
Who they will give the card to
MetaMask publishes a list of 45 countries and territories where sign-up is currently open. The list reads as a tour of Europe, Latin America and a handful of other markets: Andorra, Argentina, Austria, Belgium, Brazil, Bulgaria, Canada, Chile, Colombia, Costa Rica, Croatia, Cyprus, Denmark, the Dominican Republic, El Salvador, Finland, France, Germany, Gibraltar, Greece, Guatemala, Guernsey, Hungary, Iceland, Ireland, the Isle of Man, Italy, Jersey, Liechtenstein, Luxembourg, Malta, Mexico, Monaco, the Netherlands, Norway, Panama, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland and Uruguay. Russia, Belarus and Turkey are not on the list. Everywhere else is on a waitlist: MetaMask says you can register interest, but the card itself will not issue.
Two things to flag. First, sign-ups in the US and UK are temporarily closed; MetaMask’s FAQ says so plainly. That is the headline restriction for the largest English-speaking markets. Second, the eligibility rule is residency-based, not citizenship-based; MetaMask does not state a citizenship rule. MetaMask also points out that ineligibility limits sign-ups, not spending: a card you already hold should keep working even if you travel. The catch is that “open” is a moving target, so you should check the official list on the day you apply.
For the identity check, MetaMask asks for proof of residency. The card’s own pages do not specify the documents behind that, and they do not state a minimum age. Reviews from third-party sites suggest email, phone and an ID are also required, and that the address proof and selfie are not; treat that as unofficial, since it is not in the official terms we read. Crypto Life, the card provider, runs the KYC. There is no credit check. The level of KYC, processing times and the reasons a check might fail are not stated in the card’s public pages.
How to get it
The application lives inside the MetaMask app. The flow, in broad strokes, is the same as for any other card it manages: install the app, sign in to your wallet, complete the KYC, and the virtual card is issued instantly on approval. There is no physical card mailed at sign-up. MetaMask states that one card is issued per user.
The card itself is a Mastercard. The virtual card is the default product, and a Metal card can be pre-ordered in the app once the virtual card is approved. The Metal card ships to a verified address; delivery time, shipping cost and replacement cost are not stated on the pages we read. MetaMask says 24/7 support is available for assisted replacement in your region, which is what you would lean on if the card is lost or stolen in transit.
The issuer named on the FAQ is Monavate, with the card provider listed as Crypto Life. The footer of MetaMask’s site carries a 2026 Consensys copyright line, but the FAQ does not say that Consensys provides the card, so we read the issuer and provider as the parties responsible for the programme. Neither the issuer’s registered country nor its licences are stated on the card’s public pages, which is one of the items you might want to look up directly before applying if that matters to you.
If you are outside the 45 listed countries, the only route at the moment is the waitlist. If you are in the US or UK, sign-up is closed; the FAQ gives no reopen date.
What it really costs: fees, cashback, limits
For most people, the headline cost is: the virtual card is free, with no annual or monthly fee; the Metal card costs $199 a year. There is no MetaMask fee on top of the network cost, and no foreign transaction fee; FX uses the best rate Mastercard allows. The cost page itself describes a “minimal fee for each transaction” without naming the amount and points to a fee table we could not surface figures from.
Here is the full set of figures the card’s public pages publish.
| Item | Virtual | Metal |
|---|---|---|
| Issuance | Free | Pre-ordered in app after Virtual approval |
| Annual / monthly fee | None | $199 per year |
| Conversion | “Minimal fee” per transaction, amount not stated | Same |
| Foreign transaction fee | None | None |
| ATM limit | $1,000 per day | $5,000 per day |
| Free ATM allowance | “Up to $1,200 a month” (tier unclear) | Same |
| Card spend limit | $15,000 per day | $30,000 per day |
| Cashback | 1% in mUSD | 3% in mUSD, capped at the first $10,000 spent, then 1% |
| $FLY bonus | 5X via Blackbird dining app | 7X via Blackbird dining app |
Three everyday payments to think about. First, a coffee at home: a $5 tap in your local currency, no FX, no foreign transaction fee; the “minimal fee” line is the only published cost, and MetaMask says it is the only fee they add. Second, a $100 dinner in a country that uses a different currency: Mastercard’s wholesale rate applies, MetaMask adds nothing on top, and the cashback is 1% on Virtual or 3% on Metal paid in mUSD. Third, a $200 cash withdrawal abroad: it counts against the ATM daily limit ($1,000 Virtual, $5,000 Metal) and against the “up to $1,200 a month” free ATM allowance, after which the issuer’s terms apply.
Two things to know about the limits. The card page and the older FAQ disagree: the card page lists $15,000/day for Virtual and $30,000/day for Metal, while the older FAQ cites €8,750 or $10,000 per day. The card page also says ATM withdrawals are available on both tiers, while the older FAQ restricted cash withdrawals to US card users on the Virtual tier. The card’s own pages are the more recent statement, but the conflict is worth being aware of. You can also set your own daily, weekly and monthly limits inside the app, which is the easiest way to keep the published caps from feeling generous or risky.
The Metal tier is the one place a recurring cost shows up, at $199 a year. Whether that is worth it depends on how much you spend: at 3% on the first $10,000 and 1% after that, you are looking at $300 of mUSD on the first $10,000 of annual spend, plus the 7X $FLY multiplier if you dine out through Blackbird. If you do not spend that much through the card, the free virtual tier is the better value.
The rewards side is worth its own line. Cashback is paid in mUSD into the MetaMask Money Account, not into a fiat balance. mUSD is a stablecoin denominated in dollars, so the headline percentage translates into a dollar-denominated reward you can spend or hold, but it is not a credit on a bank statement. The Metal headline of 3% comes with a footnote: 3% applies to the first $10,000 spent, after which the rate drops to 1%. The $FLY bonus multiplies a separate loyalty programme from the Blackbird dining app; it is not a straight cashback rate.
Top up: how to fund the card
The MetaMask card does not have a “top up” button in the conventional prepaid sense. There is no fiat balance to fund, and there is no minimum top-up figure on the pages we read. Instead, the card spends directly from your connected wallet: at the moment of payment, the system pulls the right token from the wallet you have linked to the card. Your card balance in the app reflects the highest-priority token set under “Manage”, which is how MetaMask decides what to draw on first.
The networks the card supports are Linea, Base, Monad and Solana. The named tokens are mUSD, wETH, EURe, GBPe, USDC and USDT, with the card page noting that nine tokens in total are supported. EURe and GBPe are euro- and pound-denominated stablecoins, which is how the card can settle in those currencies without a foreign transaction fee. USDC and USDT are the dollar stables most people already hold. mUSD is MetaMask’s own stablecoin, which is the rail that cashback is paid in.
The most important practical rule sits in the small print: if your wallet holds only Solana assets, you cannot withdraw credit. That means spending works, but cashing out a positive balance back to your own wallet does not, until the wallet also holds an asset on one of the EVM networks. The same applies in reverse to withdrawals: withdrawals go out as mUSD, and Money Account holders receive Monad mUSD into a vault, while other users receive mUSD on Linea to a priority EVM address. Monad withdrawals have sponsored gas, so you do not need to keep MON in your wallet just to cash out.
A few other funding notes. Network fees, deposit fees and minimum top-up amounts are not stated; the fee table on MetaMask’s support site returned no figures at the time of writing, so the on-chain gas for the spend path is the only funding cost we can name. There is no fiat top-up. If you want to close the card, you contact Crypto Life support; if you freeze or deactivate the card, your funds stay in your own wallet, which is the part of the design that is genuinely self-custody.
Paying with it every day
In practice, paying with the MetaMask card feels like paying with any other tap-to-pay Mastercard. The virtual card is issued instantly, so you can add it to Apple Pay or Google Pay in the same sitting and start using it for online checkout or in-store contactless. The Metal card adds a physical artefact for the people who want one and unlocks the higher spending and ATM caps. Blocked merchant categories are not stated, so if you are hoping to use the card at a specific kind of shop, that is a question for support rather than the FAQ.
Rewards are paid in mUSD into the Money Account, as covered above. The card is managed inside the MetaMask app; store ratings for the app are not stated on the card page or FAQ, so we have not quoted a figure here. Refunds go through a familiar path: ask the merchant first, and if that fails, ask Crypto Life to start a chargeback. Refunds that do come back do not necessarily land in your wallet: they go to a “Credits” balance inside the app, which is one of the design quirks users have flagged as friction, and is the kind of thing you want to know before you rely on the card for a high-value order.
What can go wrong
This is the section where the card stops looking quite as clean. The headline points.
Geographic and regulatory risk
Sign-ups are paused in the US and UK. The card page says the Metal card is available in the US, which is a flat contradiction with the FAQ’s “temporarily closed” line; the FAQ is the more cautious statement and probably the more current one. The 45-country footprint is a meaningful constraint, and the fact that the same page says the Metal card is available in the US while the FAQ says US sign-ups are closed is a signal to read carefully before you apply.
Operating risk
The issuer is Monavate, the card provider is Crypto Life, and the FAQ does not state Monavate’s regulator or registered country. A community post cited by a third-party review site names Monavate Limited as the FCA-regulated entity for UK complaints, but that is unofficial and is not in the FAQ. The site footer carries a 2026 Consensys copyright line; the FAQ does not say Consensys provides the card. If knowing the legal entity behind the programme matters to you, that is something to confirm with support before you load funds.
The complaint picture
The Trustpilot rating for MetaMask the wallet is 1.4 out of 5 from 647 reviews, which is poor and reflects themes of weak support and slow resolution. Card-specific complaints, again from a third-party review site and not the card’s own pages, include refunds trapped in a “Credits” balance rather than returning to the wallet, support tickets looping through automated replies, bridging to Linea or Base eroding cashback, cards frozen at lifetime-transaction limits until a manual upgrade, account closure for inactivity, and a physical card promised in two weeks that arrived after more than a month. We are calling these out as user reports rather than as facts about the card; the card’s own pages do not address them.
Security model
The card is non-custodial: the private keys for your wallet stay with you, and funds remain in your wallet until the moment of payment. The app supports instant freeze and replacement, transaction alerts, activity monitoring, and user-set daily, weekly and monthly limits. Insurance is not stated. If you lose your seed phrase, you lose access to the funds the card draws on, and on-chain transfers are irreversible, so the usual self-custody caveats apply.
Support
Crypto Life support is reachable by email via the address on the FAQ. MetaMask Card Support is available 24/7 for assisted replacement in your region. Third-party reviewers have described slow responses, copy-paste email replies, and no live chat; again, that is unofficial, but the absence of a live channel is a real consideration if you are the kind of person who needs a human on the phone at midnight.
What to take instead
Three other cards show up as reasonable alternatives if the MetaMask card does not fit, with the trade-offs spelled out so you can pick the one that matches your situation.
TokenPocket (score: 5.8 / 10)
TokenPocket offers a Visa debit card for a list of European countries (Germany, France, Spain, Switzerland among them) and a Mastercard debit card for Australia, Canada, Hong Kong, Japan, Taiwan, New Zealand, Singapore, South Korea and the UK, with the Americas listed as planned for Q2 2025. The card runs on Arbitrum and balances are held in EUR24 and USD24 stablecoins. There is a 1% fee on crypto deposits into the TP Card, which the issuer says it will refund through rewards or reduced transaction fees later, and no additional TP Card fees on top. There is no cashback programme as such. This is a reasonable alternative if you want an Arbitrum-native flow and you are happy to be paid in fee rebates rather than direct cashback.
KAST (score: 6.1 / 10)
KAST is residence-based and shows you a list at KYC; if your country is not on the list, the card is not available there, and the list is not published. You can open an account in an unsupported country but KYC stays locked. KAST offers up to ten cards per user, with Standard (Visa Platinum, free), Premium (Visa Infinite metal, $1,000 a year) and Private (Visa Infinite gold plated, $10,000 a year) tiers. Cashback is paid in USD: 1.5% on the first $2,000 a month for Standard, 2% on the first $10,000 for Premium, 3% on the first $40,000 for Private. Spending in non-USD currencies carries a 0.5% to 1.75% FX fee depending on residence and the merchant country, and there is a $0.50 declined-transaction fee. Funding is in stablecoins (USDT, USDC, PYUSD, RLUSD) on Ethereum, Solana, Polygon, Arbitrum and TRON. The appeal is the simple cashback structure and the very high spend caps on the upper tiers; the catch is the high membership fee on Premium and Private.
Zeal (score: 6.1 / 10)
Zeal issues a Visa card that can be spent in 150+ countries, with the live programme covering the EU, UK, Brazil, Colombia, Mexico, Japan, Singapore, the Philippines, Indonesia and Thailand. The card has a virtual version for online use, addable to Apple Pay, and accounts in EUR, USD and GBP. Zeal charges no additional FX fee, using the Visa wholesale rate. Cashback is up to 4% paid in GNO on Gnosis Chain, with GNO held in the card Safe to qualify. The published fee schedule on Zeal’s site and the App Store is thin, so the headline numbers are not all the picture. This is a reasonable pick if you want a Visa-network card, you are comfortable holding GNO, and you spend primarily inside the countries on the live list.
Who I would recommend it to
The MetaMask card is a clean answer for a specific person. If you already use MetaMask as your main self-custody wallet, hold balances in mUSD or USDC, live in one of the 45 listed countries, and want to spend crypto without moving it to a custodian, this card does exactly that. The cashback is paid in mUSD, the FX path is the Mastercard rate with no MetaMask markup, and your funds stay in your wallet until the moment of payment. For that user, the operational rough edges are an acceptable trade.
It is a weaker fit for several other readers. If you live in the US or UK, sign-up is closed. If you do most of your spending in cash and rarely tap a card, the $1,000-a-day Virtual ATM cap and the “up to $1,200 a month” free allowance are the limits you would care about, and they are usable but not generous. If you are not a MetaMask user, the wallet choice is the bigger consideration: the card is most useful if it is sitting on top of a wallet you already trust with your keys. If you want a polished banking experience with live chat and a phone number, the support picture suggests you will be frustrated.
A simple way to decide. If your current setup is “self-custody wallet in Europe or Latin America, want to spend crypto at point of sale without giving up keys”, this is a 7.1-out-of-10 answer that fits the bill. If your setup is “I want a crypto card that works in the US with traditional customer support”, wait for the US sign-up to reopen and look at KAST or Zeal in the meantime.
Frequently asked questions
What is the MetaMask card?
The MetaMask card is a Mastercard debit card that spends directly from a connected MetaMask self-custody wallet. There is a free virtual tier issued instantly and a Metal tier costing $199 a year, with cashback in mUSD, a stablecoin issued by MetaMask.
How does the MetaMask card work?
The card does not have a prepaid balance in the usual sense. At the moment of payment, the card pulls tokens from the wallet you have linked, converting through the supported networks (Linea, Base, Monad and Solana) and the supported tokens (mUSD, wETH, EURe, GBPe, USDC and USDT) at the Mastercard FX rate.
Is MetaMask a bank?
No. MetaMask is a software wallet provider, and the card programme is run by the card provider Crypto Life and the issuer Monavate. MetaMask does not take deposits and is not a bank.
Who owns MetaMask?
MetaMask is developed by Consensys, whose name appears in the site footer. The card’s own FAQ does not state that Consensys is the card provider; the named parties for the card are the issuer Monovate (spelled that way in the FAQ) and the card provider Crypto Life.
Is the MetaMask card available in my country?
Sign-up is open in 45 listed countries (mostly Europe, Latin America and Canada). The US and UK are temporarily closed, and everywhere else is on a waitlist. Russia, Belarus and Turkey are not on the list.
How do I get the MetaMask card?
Install the MetaMask app, complete the KYC, and on approval the virtual card is issued instantly. A Metal card can be pre-ordered in the app after the virtual card is approved.
Does the MetaMask card require KYC?
Yes. MetaMask requires proof of residency and the KYC is handled by Crypto Life. There is no credit check. The full document list and processing times are not stated on the public pages.
How do I add the MetaMask card to Apple Wallet or Google Pay?
Once the virtual card is issued, you can add it to Apple Pay or Google Pay from inside the MetaMask app in the same flow you would add any other card to a mobile wallet.
Where can I use the MetaMask card?
Anywhere Mastercard is accepted, in person and online, subject to the card’s daily and monthly limits and any merchant blocks the issuer applies. Blocked merchant categories are not stated on the public pages.
Is the MetaMask card safe?
The card is non-custodial: your wallet’s private keys stay with you, and the funds remain in your wallet until the moment of payment. The app supports instant freeze, transaction alerts, activity monitoring and user-set limits. Insurance is not stated. As with any self-custody wallet, losing your seed phrase means losing access to the funds the card draws on.
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