(Girl holding card)
MetaMask Metal Card
Premium self-custody spending with higher limits and 0% FX fees.
METAL CARD
Verified Benefit
SELF CUSTODY SPEND
Verified Benefit
NO FX FEE
Verified Benefit
Our Verdict
The MetaMask Metal Card is a top-tier choice for users seeking self custodial efficiency. With 0% FX fees and USDC, USDT, wETH support, it bridges the gap between Web3 and retail spending seamlessly.
Overview
Premium self-custody spending with higher limits and 0% FX fees.
Fees & Charges
Annual Fee
$199
FX Fee
0%
ATM Fee
2%
Requirements
Supported Regions
EEA, UK
Spendable Assets
USDC, USDT, wETH
MetaMask Metal Card Review
The Power User's Choice
For high-volume spenders, the MetaMask Metal Card justifies its price tag through enhanced utility. Physically, it is a sleek, black laser-etched metal card that signals status. Financially, it is a tool for optimizing international spend.
Unlike the Virtual card, which is purely digital, this physical card allows for ATM withdrawals and high-value in-store purchases that might exceed contactless limits.
The 0% FX Advantage: Doing the Math
The killer feature of the Metal tier is the 0% Foreign Transaction Fee. Most bank cards and crypto competitors charge between 1% and 3% when you spend abroad.
The ROI Calculation:
- Cost: ~$199/year.
- Savings: 1% per transaction (vs Virtual) or 3% (vs Traditional Banks).
- Break-even Point: If you spend $20,000 internationally per year, the card pays for itself.
For digital nomads, freelancers paying varied currency bills, or frequent travelers, this math makes the Metal card effectively "free" or even profitable compared to using a standard card.
Limits & Liquidity
Metal cardholders typically enjoy doubled spending limits compared to the virtual tier.
- Monthly Spend: Up to €/£ 50,000 (Verified Tier).
- ATM: Up to €/£ 1,000 daily withdrawal.
These limits make it suitable for booking business class flights, hotels, or purchasing hardware—transactions that often get flagged or blocked on lower-tier prepaid crypto cards.
Who Should Avoid This Card?
If you are a "Domestic Spender" (e.g., you live in the US and spend only in USD), the Metal card offers zero financial advantage over the free Virtual card. You would be paying for the physical metal flex and nothing else. Stick to the Virtual tier unless you cross borders.
Verdict
The MetaMask Metal Card is a niche product for a specific type of user: the Crypto Nomad. If you hold your wealth on-chain and travel the world, it is arguably the best payment tool on the market in 2026. It combines the security of self-custody with the low-fee structure of a premium travel card.
FAQ
What is the annual fee?
The Metal card typically carries an annual fee of around $199, though promotional waivers may apply for early adopters.
Does it support ATM withdrawals?
Yes, the Metal card supports global ATM withdrawals via the Mastercard network.
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