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Gnosis Pay vs MetaMask Card

Same data as the table, side by side. = we paid it ourselves.

A genuine self-custody head-to-head: both cards spend on-chain from a wallet you control, so neither asks you to park your balance with an exchange. The split is which ecosystem you already live in.

The MetaMask Card spends from your MetaMask wallet and reaches a slightly wider set of markets, with a higher cashback tier on its Metal option. Gnosis Pay spends from a Safe smart wallet and ties rewards to GNO holdings, with a strong EU footprint. Both charge card-issue and FX fees we mark as unconfirmed until verified.

If your assets already sit in MetaMask, its card is the natural fit; if you prefer the Safe smart-wallet model, Gnosis Pay is the match. Either way you keep custody — which is the whole point of picking one of these over an exchange card.

Fee
Gnosis Pay
Visa · self-custodial (Safe smart wallet)
MetaMask Card
Mastercard · self-custodial
Virtual card issue
unconfirmed
$0
Physical card issue
included
$199/yr Metal
Monthly
$0
$0 (virtual)
Top-up
none (spend from Safe)
none — pays from wallet at checkout
FX
unconfirmed
Mastercard rate; 0% FX on Metal
ATM
unconfirmed
unconfirmed
KYC
full
full
Works in Maldives
No
No
Works in Sri Lanka
No
No
Works in India
No
No
Works in Pakistan
No
No
Works in Bangladesh
No
No
Works in Nigeria
No
No
Works in Kenya
No
No
Works in Ghana
No
No
Works in Egypt
No
No
Works in South Africa
No
No
Works in Philippines
No
No
Works in Indonesia
No
No
Works in Vietnam
No
No
Works in Turkey
No
No
Works in UAE
No
No
Works in Germany
Works
Works
Works in United Kingdom
Works
Works
Works in Brazil
No
Works
Works in United States
Untested
Works
Last checked
2026-07-03
2026-07-04