Image: MetaMask (Consensys)
Image: Gnosis PayMetaMask Card vs Gnosis Pay
Quick answer
Pick the MetaMask Card. Gnosis Pay stopped new card sign-ups and ended GNO cashback on 30 September 2026, and its cards are being wound down by the end of 2026 in favour of partner apps such as Rebind. If you already have a Gnosis Pay card it keeps working for now, but plan your move. MetaMask's free card is self-custody too, works in the US and Europe, and has a 1% cross-border fee.
MetaMask Card and Gnosis Pay compared
| MetaMask Card | Gnosis Pay | |
|---|---|---|
| Our score | 7.4/10 | 5.4/10 |
| Best for | People who already live in MetaMask and want to spend stablecoins without moving them to an exchange. | Existing Gnosis Pay users planning their move to a partner app before the card winds down. |
| Cashback | About 1% back, up to 3% on Metal | Ended 30 September 2026 |
| Card cost | Virtual card free. Metal is a $199 annual membership. Metal replacement $99. | €30.23 card purchase including shipping. Replacement for lost, stolen or damaged cards £/€4.99. |
| Annual fee | Free tier $0. Metal $199 a year. | No annual fee listed |
| FX | Free tier: 1% cross-border fee. Metal: no cross-border fee (fair usage applies). | No FX markup from Gnosis Pay. Choose local currency at the terminal for the best rate. |
| Conversion | Stablecoins in your local currency: no fee. Stablecoins in a third currency: 0.5%. DeFi or yield tokens: free up to $1,200 a month, then 0.5%. Other crypto such as wETH: 0.875%. | None when spending EURe, GBPe or USDCe |
| ATM | Free tier: 2%. Metal: free up to $1,200 a month, then 2%. ATM operators may add their own fee. | Free up to £/€200 or 5 withdrawals a month, whichever comes first. After that 2% per withdrawal (minimum £/€1). |
| Custody | Self-custody (funds stay in your wallet until you spend) | Self-custody (a Safe smart account you control) |
| Network | Mastercard | Visa |
| Top up with | No top-up step. Hold USDC, USDT, EURe or GBPe in your MetaMask wallet on a supported chain and approve the card to spend it; Get stablecoins into your wallet with any onramp, exchange withdrawal or bridge | Send EURe, GBPe or USDCe to your Gnosis Pay Safe on Gnosis Chain; Bank transfer to your personal IBAN, which converts to EURe or GBPe |
| Withdraw by | Nothing to withdraw: funds never leave your wallet until you pay; Move funds anywhere from MetaMask at any time; ATM cash withdrawals | Send funds from your Safe to any wallet; Bank transfer out through your IBAN; ATM cash withdrawals |
| Where it works | Trackers list about 45 supported countries, including the US, much of the EEA, Switzerland, Canada, Argentina and Brazil. Metal was US-only (not Vermont) before orders paused. | Closed to new sign-ups since 30 September 2026. Existing cards were issued mainly in the EEA and UK, plus some Latin American countries. |
| Last checked | 15 October 2026 | 17 October 2026 |
Which one should you pick?
This used to be a close call for Europeans, because Gnosis Pay's IBAN and zero FX markup made the bank-to-stablecoin loop easy. With Gnosis Pay closed to new users and winding down its own cards, the MetaMask Card is the one you can actually get. Existing Gnosis Pay users can keep their Safe and IBAN by moving to a partner app, and can always withdraw their funds.
Frequently asked questions
Which is cheaper abroad, MetaMask Card or Gnosis Pay?
On the entry tier, Gnosis Pay has the lower FX markup. MetaMask Card: Free tier: 1% cross-border fee. Metal: no cross-border fee (fair usage applies).. Gnosis Pay: No FX markup from Gnosis Pay. Choose local currency at the terminal for the best rate..
Which pays more cashback, MetaMask Card or Gnosis Pay?
MetaMask Card has the higher top rate. MetaMask Card: About 1% back, up to 3% on Metal. Gnosis Pay: Ended 30 September 2026. Check caps and requirements on each review.
Are MetaMask Card and Gnosis Pay self-custody?
MetaMask Card: Self-custody (funds stay in your wallet until you spend). Gnosis Pay: Self-custody (a Safe smart account you control).