MetaMask Card

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MetaMask Card scores 11 of 16 on the CBL Card Score. MetaMask, Mastercard. Self-custodial; spends straight from your wallet. Monavate, FCA e-money licence; Crypto Life provider.

CBL Card Score: 11 of 16

Criterion	Points	What we found	Source
Custody	2 of 2	Self-custodial. The card "spends assets directly from your MetaMask wallet" and users keep custody of tokens until the moment of payment (official, card FAQ and metamask.io/card, checked 20 Oct 2026). Users delegate tokens and set spending limits inside the wallet; the delegation is cleared at the time of each transaction (official, what-is-metamask-card). No safeguarding statement is needed for the card balance because no balance is held by the issuer.	official checked 20 October 2026
Issuer and licence	2 of 2	"Crypto Life is the provider of the MetaMask Card, Monovate is the card issuer and Mastercard operates the payment network" (official, support.metamask.io card FAQ, checked 20 Oct 2026). MetaMask spells the name Monovate; the issuer's own site spells it Monavate. Monavate Ltd is "authorised and regulated by the Financial Conduct Authority with Firm Reference Number 901097" and is a principal member of Mastercard; UAB Monavate is authorised by the Bank of Lithuania (official, monavate.com, checked 20 Oct 2026). MetaMask does not say which Monavate entity issues in which region.	official checked 20 October 2026
Availability	0 of 2	The help centre lists 48 sign-up countries, including most of the EEA, Switzerland, the United Kingdom, Canada, Bahrain, Oman and nine Latin American countries (official, support.metamask.io what-is-metamask-card, checked 20 Oct 2026). The United Arab Emirates and Saudi Arabia are not listed. The US is "not currently available for sign-ups" and has a waitlist (official, same page). The product page states "Signups for MetaMask Card in the US and the UK are temporarily closed" (official, metamask.io/card, checked 20 Oct 2026), which conflicts with the help centre list. Scored on the EEA alone while the product page keeps UK sign-ups closed.	official checked 20 October 2026
FX fee on a foreign-currency purchase	1 of 2	"MetaMask Card currently provides the best foreign exchange rate allowed by MasterCard, and doesn't charge any additional fees" (official, card FAQ). The fee table then adds a 1% cross-border fee on the Free tier when the merchant is outside the cardholder's country, waived on Metal (official, limits-and-fees, checked 20 Oct 2026). Spending a stablecoin that is in neither the cardholder's nor the merchant's local currency costs 0.5% (official, same page). A European cardholder paying in US dollars with USDC pays the Mastercard rate plus the 1% cross-border fee.	official checked 20 October 2026
Funding cost	1 of 2	No top-up; the card draws from delegated wallet tokens, with "no fee, no minimum balance" to delegate (official, limits-and-fees). Stablecoins in the cardholder's local currency: no fee. Stablecoins in a third currency: 0.5%. DeFi or tokenised yield tokens such as aUSDC: free up to $1,200 a month, then 0.5%. Other crypto such as wETH: 0.875%. Network gas per transaction, typically about $0.01 (official, limits-and-fees). Virtual card: $0 annual fee (official). Metal card: $199 a year, $99 replacement, and "not currently available for new users" (official, limits-and-fees and what-is-metamask-card). No physical card is sent to new users (official, card FAQ). No inactivity fee published.	official checked 20 October 2026
Apple Pay and Google Pay	2 of 2	Apple Pay and Google Pay, with the Google section describing Google Wallet on Android (official, support.metamask.io using, checked 20 Oct 2026).	official checked 20 October 2026
Freeze and dispute policy	1 of 2	Refunds are to be requested from the merchant first; failing that, "you can request a chargeback from Crypto Life support" and refunds land in a Credits balance (official, card FAQ). No dispute window, response time or complaints timeline is published on the help centre. Closing the card also goes through Crypto Life support (official, card FAQ). No freeze or lock article found. Card terms from Crypto Life were not found on the MetaMask site.	official checked 20 October 2026
Yield on idle balance	2 of 2	The MetaMask Money Account, which the card can spend from, "earns up to 4% APY on deposited mUSD", variable and not guaranteed, with "no lockups, no withdrawal penalties, and no account fees" and no minimum deposit (official, support.metamask.io money-account, checked 20 Oct 2026). A limited-time offer of about 6% APY ran until 30 Sep 2026 (official, same page). The Money Account is self-custodial, yields come from DeFi vaults on Morpho curated by Steakhouse Financial (third-party: The Block, 30 Jun 2026). Not available in the UK (official, money-account page).	official checked 20 October 2026

Total 11 of 16. Official means the company's own site, terms or help centre. Third-party means a named review site with its own check date; a third-party fact is reported, not verified, and the score stands until an official source confirms or contradicts it.

Score history

20 October 2026

11 of 16

First score

Standing

Company	Consensys Software Inc. builds MetaMask (official, metamask.io footer). The card programme is run by Crypto Life, the card platform of Baanx.com Ltd, which MetaMask's help centre calls "the provider of the MetaMask Card" (official, support.metamask.io card FAQ). Baanx.com Ltd holds an electronic money institution licence for the UK and EU/EEA and a UK credit broking licence, per the launch press release (official, Consensys, 14 Aug 2024). MetaMask names "Monovate" as the card issuer (official, card FAQ). Monavate Ltd is an e-money institution authorised by the FCA under Firm Reference Number 901097, with UAB Monavate authorised by the Bank of Lithuania (official, monavate.com, checked 20 Oct 2026).
Network	Mastercard (official). official
Rails	MetaMask names Monovate as issuer and Crypto Life (Baanx) as provider, with Mastercard as the network (official). Money is never held by either party; the card settles from tokens the user delegates in a self-custodial wallet, and rewards and yield sit in the self-custodial Money Account (official).
Website	metamask.io/card
Health tag	Watch The named issuer is an FCA-authorised e-money institution and funds never leave the user's wallet, but MetaMask misspells the issuer, does not map issuing entities to regions, publishes no card terms or dispute timelines on its own site, and has closed UK and US sign-ups by its own product page (official).
Last checked	20 October 2026

When it goes wrong

Refunds are to be requested from the merchant first; failing that, "you can request a chargeback from Crypto Life support" and refunds land in a Credits balance (official, card FAQ). No dispute window, response time or complaints timeline is published on the help centre. Closing the card also goes through Crypto Life support (official, card FAQ). No freeze or lock article found. Card terms from Crypto Life were not found on the MetaMask site.

The dispute route, in order: the company's own support desk, then the card network's chargeback rules, then the regulator of the issuer where one is named. A frozen card is a question, not a verdict: the Frozen Account Survival Kit applies to cards too.

Costs

FX	"MetaMask Card currently provides the best foreign exchange rate allowed by MasterCard, and doesn't charge any additional fees" (official, card FAQ). The fee table then adds a 1% cross-border fee on the Free tier when the merchant is outside the cardholder's country, waived on Metal (official, limits-and-fees, checked 20 Oct 2026). Spending a stablecoin that is in neither the cardholder's nor the merchant's local currency costs 0.5% (official, same page). A European cardholder paying in US dollars with USDC pays the Mastercard rate plus the 1% cross-border fee. official
Funding	No top-up; the card draws from delegated wallet tokens, with "no fee, no minimum balance" to delegate (official, limits-and-fees). Stablecoins in the cardholder's local currency: no fee. Stablecoins in a third currency: 0.5%. DeFi or tokenised yield tokens such as aUSDC: free up to $1,200 a month, then 0.5%. Other crypto such as wETH: 0.875%. Network gas per transaction, typically about $0.01 (official, limits-and-fees). Virtual card: $0 annual fee (official). Metal card: $199 a year, $99 replacement, and "not currently available for new users" (official, limits-and-fees and what-is-metamask-card). No physical card is sent to new users (official, card FAQ). No inactivity fee published. official
ATM	Free tier: 2% plus any operator fee, $1,000 per transaction and per day. Metal: no fee up to $1,200 a month, then 2%, $5,000 a day (official, limits-and-fees). The card FAQ states that only US cardholders can withdraw cash, while the product page lists free ATM withdrawals as a feature (official, conflicting pages).
Tiers	Free (Virtual): $0. Metal: $199 a year, closed to new users (official, limits-and-fees and what-is-metamask-card, checked 20 Oct 2026).

Cashback, as of 20 Oct 2026

1% back in mUSD on eligible card transactions for the Virtual card; 3% for Metal on the first $10,000 spent, then 1% (official, metamask.io/card, checked 20 Oct 2026). The Money Account page states 3% on Metal without the cap. Paid to the Money Account as mUSD. Dining: 5X $FLY via Blackbird on Virtual, 7X on Metal (official, card FAQ).

Cashback is a dated fact, not part of the Card Score. Promo rates change too often to score.

Availability

The help centre lists 48 sign-up countries, including most of the EEA, Switzerland, the United Kingdom, Canada, Bahrain, Oman and nine Latin American countries (official, support.metamask.io what-is-metamask-card, checked 20 Oct 2026). The United Arab Emirates and Saudi Arabia are not listed. The US is "not currently available for sign-ups" and has a waitlist (official, same page). The product page states "Signups for MetaMask Card in the US and the UK are temporarily closed" (official, metamask.io/card, checked 20 Oct 2026), which conflicts with the help centre list. Scored on the EEA alone while the product page keeps UK sign-ups closed. official

Identity checks: "Proof of residency is required to sign up for MetaMask Card" (official, card FAQ). Identity check details not published.

What we still need confirmed

Facts marked official come from MetaMask's own pages or terms. Facts marked third-party are reported by a named review site and count as reported, not verified. These items are open for the next Monday sweep:

• UK sign-ups reopening on metamask.io/card. Rescore availability to 1 when they do. open
• Whether UK sign-ups are open today; the product page says closed, the help centre lists the UK. Rescore availability to 0 if the UK is closed. open
• Which Monavate entity issues in the EEA versus the UK, and whether Baanx's own EMI licence is used anywhere. Rescore issuer to 1 if no issuer can be tied to the EEA programme. open
• Crypto Life cardholder terms: dispute window and response time. Rescore freeze to 2 if both are published. open
• Whether the 1% cross-border fee applies to all non-domestic purchases or only to non-EEA ones for EU cardholders. Rescore fx to 2 if a European paying in USD pays 0% in total. open
• Whether a free physical card exists for new users anywhere. Rescore funding to 2 if virtual and physical are both free. open

See a mistake? Email hi@cryptobanklist.com. Every factual correction is logged on our corrections page.

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