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Metal Pay is the best way to send money to friends. It’s the only payments app that allows you to send cash and crypto to friends AND rewards you for doing it. When you send or receive an eligible cash transaction, you can receive a cryptocurrency reward for up to 5% of the transaction value. Paying friends has never been this much fun!


Trade 26 of the most popular cryptocurrencies directly from the app. Just link your bank, add cash to your account, and start trading. All cash you add or receive is held in an FDIC insured bank account.

Learn more at metalpay.com.

List of States and Territories where Metal Pay is currently available:

Alaska AK
Arizona AZ
Arkansas AR
California CA
Colorado CO
Delaware DE
Florida FL
Indiana IN
Iowa IA
Kentucky KY
Maine ME
Maryland MD
Massachusetts MA
Michigan MI
Minnesota MN
Mississippi MS
Missouri MO
Montana MT
Nebraska NE
Nevada NV
New Hampshire NH
New Jersey NJ
North Dakota ND
Ohio OH
Oklahoma OK
Rhode Island RI
South Carolina SC
South Dakota SD
Tennessee TN
Utah UT
Virginia VA
West Virginia WV
Wisconsin WI
Wyoming WY
Puerto Rico
US Virgin Islands

What’s New

Version 2.4.0

Metal Pay update incoming!

*What's New in 2.4.0*

• Buy Bitcoin, TUSD, MTL, and XPR for 0% fees!
• Purchase Crypto in the Marketplace directly with your linked bank or debit card! It's now easier and faster than ever to buy cryptocurrency using a linked funding source. No waiting periods, no deposit holds, no missed opportunities.
• Major improvements have been added to the Marketplace. You can now enjoy limitless crpyto-to-crypto trades, as well as improved current price information.
• Various bug fixes and performance improvements to the Marketplace and Payment History have been made.

*What's Coming*

We've been hard at work creating the best platform to send money and manage digital assets. Check out our recent blog post to learn more about the exciting future of Metal Pay and the Metal platform:


We update the app regularly to bring you the best possible experience using Metal Pay, so be sure to keep everything up-to-date to experience the best features that Metal Pay has to offer.
Let us know what you think in the app by just shaking your device. Alternatively, drop us a line on social media: @metalpaysme.

Ratings and Reviews

4.3 out of 5
3.4K Ratings

3.4K Ratings

sweetpipedreamz ,

Nice looking app but..

I don’t know how this app will stay around when cash app gives you a free debit card, discounts for using the debit card, and allows instant transfer to your bank acct thru your bank’s debit card. Also I don’t see an option to send MTL from an exchange to the app, If that’s not an option what’s the purpose of MTL on the exchanges? Unless they step up their game Cash app will dominate. Most of my friends use cash app and PayPal and I can’t figure out a reason for them or me to switch to metal instead. Earning some metal is nice but a debit card, instant transfer, and discounts for using the debit is better. Step up your game or no one is going use this app!

Developer Response ,


The features you mention (debit card, instank bank transfer, mainnet withdraw and deposit) are all on our roadmap and will be added to Metal Pay. In the mean time, we hope that our referral system and Pop rewards for making payments will be an appropriate incentive to convince your friends to make the switch!

holveck_henk ,

Absolutely embarrassing should not be FinTech company

I thought I would try out Metal Pay’s ACH direct deposit system, probably not the best idea considering we’re in the middle of a pandemic which is killing the economy and specifically hadn’t received a paycheck for over a month prior to this direct deposit. Received an email and push notification with a exciting confetti animation and all....when I attempt to send that money out the app displays an error telling me that I don’t have permission, REALLY?! I don’t have permission to use my money?!?!

So then I thought okay, I’ll just buy some crypto with it and cash it out that way, NOPE WRONG! Also blocked from doing that, received an error I had insufficient balance a thought the balance at the bottom of the buying portal showed a positive balance from my direct deposit.

Being extremely disappointed and now very stressed and concerned considering everything going on in the world, I contact support and receive a quick reply from Jeremy whom tells me he will forward my ticket to a support specialist who may take up to 3 business days before I get a reply! Cool METAL PAY, thanks I’m sure you guys need those funds a lot more than my extremely broke self.

Developer Response ,

Hi Henk, we're sorry that you're in a frustrating situation. Looking into the ticket - while Jeremy did send out an email to initial sort and get into the correct agent, they did respond within the same day. Unfortunately, there were errors with the funding source that was out of our control. We understand during these times, financial stress may be affecting more people, however, rest assured Metal Pay would never withhold your funds. Please keep the support tickets open, as we would love to stay up to date with this situation. We will definitely help where we can.

Teaira12 ,


I wish I gave 0 stars this app not even worth 1. contacted them about referrals and they said they will get back to me and credit me haven’t heard from them in days so I wrote a review. They replied on App Store to contact them again they will help. Which is a lie. They said that same stuff that anyone who referred people on the 17 would get credit but it was the 25-26 when I brought it to their attention. Now their saying referrals are closed and won’t credit me for the 4 people who signed up!. Which is a scam because they just decided to close the referrals on the 30th of Jan. Y’all are scamming people y’all referrals service was still open durning the 25-26! An y’all said y’all would credit. It was closed down durning the 30th it wasn’t closed on the 25-26! Now everyone who signed up under me saying I lied and scammed them so Thanks! I be letting Apple know and also all the people I was gonna referral and the people I did to not download this scam app! And I will be deleting . Everyone get Abra! They actually pay for remand don’t lie like this app

Developer Response ,

Hello, we’re sorry you’re having so many issues with this. The referral issue was due to a third-party vendor breaking without notice that was a major part of our referral system. As such, we turned off the rewards on January 17th and we’re honoring any referrals made before that date. If you have any eligible referrals before that date, you will get paid for them.

The referral program was a minor feature of the app. Our app is not about making money on referral rewards. If a user thinks that, then they’re missing out on learning about crypto and the best parts of Metal Pay. Easy crypto buys/sells from a bank or debit card, sending and receiving tokens to your friends, crypto to crypto trading and even receiving Pop/MTL on transactions, are just some of the core features we love about the app and makes us unique from other payments app.

We apologize for the poor communication and lack of attention to your specific ticket. We’re doing the best we can to get people their referral rewards as quickly as possible. We are handling this manually, so we appreciate your patience during this time.


Metallicus Inc.
96 MB

Requires iOS 11.0 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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