MiniPay crypto card on Celo: cashback and fees

MiniPay Card Overview

MiniPay Card Key features

• Digital Visa card

  Eligible users can activate a digital Visa debit card inside MiniPay and pay online or in person at more than 175 million Visa merchants worldwide. Card availability is limited to selected markets.

• Mobile wallet payments

  You can add the card to Apple Pay or Google Pay for contactless payments. Merchants receive local currency and do not need to accept crypto.

• Direct stablecoin spending

  You can spend USDT, USDC or mUSD held in MiniPay on Celo. You pay directly from your wallet at checkout, without a separate prepaid card balance.

• Self custody

  You control your wallet keys and keep funds in your self custodial MiniPay wallet until payment. You remain responsible for device security and wallet recovery.

• Up to 5% cashback

  You can earn promotional cashback of up to 5% on qualifying purchases, paid into your wallet in Tether Gold (XAUt0) or supported stablecoins, depending on the market. Excluded purchase categories apply, with a $100 monthly cap from late September 2026.

• No recurring fees

  MiniPay charges no activation fee and no monthly or annual card fee. Other costs can apply, including ATM fees and third party funding charges.

• Visa rate conversion

  MiniPay states that it adds no FX markup to card spending, with conversion at Visa rates. Gnosis Pay mentions a nominal FX fee, but the supplied data does not state the amount, so check your market's fee schedule.

• Instant card freeze

  You can freeze and unfreeze the card inside the MiniPay app. Freeze it if you suspect someone has gained access.

• Flexible wallet funding

  You can fund MiniPay through local payment methods in more than 60 countries or send crypto from supported external networks. MiniPay states that it charges no deposit fee for supported crypto deposits, but third party providers may charge fees or spreads.

MiniPay Card Fees

• Card fees Users pay no activation fee and no monthly or annual card fee.
• Currency conversion MiniPay charges no FX markup on card spend, but Gnosis Pay mentions a nominal FX fee alongside Visa rates without publishing the amount in the supplied data.
• ATM withdrawals Users pay an ATM withdrawal fee, but the amount is not published in the supplied data.
• Deposits and withdrawals MiniPay charges no fee for crypto deposits or deposits and withdrawals through selected partners, though third parties may apply spreads or charges by country and method.
• Wallet transfer fees Users pay Celo network fees, typically around $0.001 per wallet transfer.

MiniPay Card Supported networks

• Celo
• Ethereum
• Solana

How to use MiniPay Card

1. 1

   Create your wallet

   Download MiniPay from the App Store or Google Play, or open it inside Opera Mini where available. Sign up with your phone number, complete phone verification and link a Google or Apple account for recovery.

2. 2

   Verify your identity

   Complete the identity checks required by the card program in your country. Check card eligibility in the app, since access is limited to selected markets.

3. 3

   Fund your wallet

   Add local currency through a supported partner or send stablecoins from another wallet. Check the fees for your chosen method before you deposit, since partners may charge fees or apply spreads.

4. 4

   Activate your card

   Once you have a wallet balance, open the card section in MiniPay and activate the virtual Visa card if you are eligible. MiniPay charges no activation fee.

5. 5

   Set up contactless payments

   Add the card to Apple Pay or Google Pay if you want to pay in person with a tap. Skip this step if you only plan to pay online.

6. 6

   Make your first payment

   Use the virtual card at an online Visa checkout, or tap with Apple Pay or Google Pay at a shop that accepts Visa. You spend directly from your self custodial wallet balance at checkout, and the merchant receives local currency.

MiniPay Card Demo video

MiniPay Card Screenshots

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MiniPay Card User Reviews

• 

  @diego_defi Sep 4, 2026

  Para los futuros huérfanos OG de @gnosispay con tarjeta nominada en dólares, la solución es la tarjeta de @minipay.
  
  Asi que vamos con la info:
  Marca: Visa
  Tipo: Virtual (Apple Pay / Google Pay)
  Emisor: Monavate (UK, Lithuania)
  Program Manager: Gnosis Pay
  KYC: Si
  Red: @Celo
  Carga: USDT desde Celo, 1 USDT = 1 dólar, gracias a una integración con @daimo_com se puede enviar USDC/USDT de distintas redes que se transforman 1 a 1 en USDT en Celo.
  Retiro: USDT a Celo, acá envían a un CEX o pueden usar por ejemplo @near_intents.
  Fx Fee (por pago en moneda distinta al dólar): 0%
  Cashback: 5% en xAUT de @tethergold (se paga entre los 30 y 60 días después de la compra).
  
  La aplicación:
  Login: con cuenta de iCloud o Google (pierden la cuenta pierden la recuperación).
  Depósitos/Retiros Fiat: se pueden hacer en varias monedas locales completando KYC.
  UI: acá a mi forma de ver es un poco tosca, no esperen la súper UI porque no la van a encontrar, pero bueno todo no se puede jajaja.
  Mini Apps: un conjunto de diferentes aplicaciones (juegos, social, etc), por ejemplo allí hay una que permite cambiar xAUT por USDT y viceversa.
  
  Principal problema hoy: se accede con código de invitación 🫠 (esperemos que Minipay la libera para todos pronto)
  
  Les dejo unas imagenes de una compra que hice hoy para corroborar el Fx Fee 0%

  View on X ↗
• 

  @ArtuGrande Sep 1, 2026

  The @MiniPay Card 🇦🇷 is great for paying international services.
  
  As it's not Argentina-issued, payments may help reduce local taxes + you get 5% cashback in digital gold.
  
  Paid my $20 @Vercel subscription today and got $1 back.
  
  Pretty cool, right? 👀

  View on X ↗
• 

  @0xmystical Sep 4, 2026

  Minipay card is a life saver,and it works well because it was powered by celo

  View on X ↗

MiniPay Card Review

MiniPay funding

• CELO grants - date not stated The Celo community approved multi year CELO grants to Opera for MiniPay growth, with proposals totaling several million dollars in CELO value across quarterly installments; the raw data gives no exact amount or named lead investors.

MiniPay Card Updates

1. 

   MiniPay Oct 10, 2026 · 08:12
   An update on MiniPay Boost.
   Today's Boost rewards went out at a lower rate than recent weeks. We know Boost is one of the most loved parts of MiniPay, so we want you to hear it from us.

   2 more in this thread

   The campaign is still running. As always, rates and the campaign itself are reviewed on an ongoing basis, so Boost stays sustainable and reaches as many users as possible

   For over two years, Boost has paid rewards straight into your wallet, day after day. Thank you for being part of it. 💚
   • 70 replies
   • 4 reposts
   • 140 likes
   • 15K views
2. 

   MiniPay Oct 9, 2026 · 09:22
   Bringing global currencies onchain. Fireside chat with @minipay and @Celo at @stblcnsummit during Token2049.

   
   • 5 replies
   • 8 reposts
   • 38 likes
   • 772 views
3. 

   MiniPay Oct 7, 2026 · 12:58
   Your turn!
   What’s one moment when MiniPay made a difference for you?
   Tell us your story💚

   
   • 38 replies
   • 5 reposts
   • 77 likes
   • 7.2K views
4. 

   MiniPay Oct 2, 2026 · 16:11
   "Capital already exists on the continent — it's fragmented. The next step is consolidating it, so it can stop, breathe, and decide where it wants to go."
   Diaspora capital, fragmented and global. That's the exact problem MiniPay is fixing. On the ground at BITES26, Berlin.

   
   • 19 replies
   • 5 reposts
   • 56 likes
   • 6.6K views
5. 

   MiniPay Oct 2, 2026 · 13:31
   Always wanted to learn Spanish but didn’t know where to start? Now you can, right in MiniPay.
   Go global with your money. And your words. 🌎
   • 8 replies
   • 7 reposts
   • 45 likes
   • 5.5K views
6. 

   MiniPay Oct 2, 2026 · 13:05
   Spanish lessons are live on @Saluto!
   57K+ users have taken English lessons with Salu, their virtual language tutor. Now, Saluto is adding Spanish for @MiniPay users worldwide 🌐
   Get started: https://bit.ly/Saluto_in_MiniPay
   • 4 replies
   • 10 reposts
   • 60 likes
   • 8.4K views
7. 

   MiniPay Oct 2, 2026 · 09:10
   @minipay Coffee and groceries are daily, which is where 5% really adds up. It also means the card gets used several times a week - a huge benefit of putting it in users hands.
   • 1 replies
   • 2 reposts
   • 8 likes
   • 655 views
8. 

   MiniPay Oct 1, 2026 · 14:01
   Your morning coffee. Your weekly groceries. The apps you work with.
   Spend stablecoins and get 5% back.

   
   • 27 replies
   • 11 reposts
   • 130 likes
   • 10.3K views
9. 

   MiniPay Sep 24, 2026 · 17:22
   the @gnosispay card closes this year. the infra doesn't.
   3 apps already running on it:
   > @getrebind: best choice for EUR cards. No new ID checks, your account, IBAN and card carry over. Easiest migration. ~5% EUR yield + up to 5% cashback for $GNO holding. But it's not clear how cashback will work after its shutdown on Gnosispay (30th September)
   > @usePicnicBR: another no re-KYC option, with same card. Recommended for USD cards. No cashback, ~3.5% USD yield. It started as Brazil only card, but expanded to whole world. They also offer ~2.2% EUR and ~12.4% BRLA yields
   > @minipay: requires new account, recommended for USD cards. 5% cashback (up to $100 monthly) in $XAUt or $USDC in EEA. Up to 125% APY (capped at $10 per week, depends on balance + activity). The first product built on new system, deployed on Celo instead of Gnosis Chain. Built by Opera browser

   
   • 1 replies
   • 2 reposts
   • 12 likes
   • 555 views
10. 

    MiniPay Sep 24, 2026 · 13:57
    There are 72 Mini Apps live in MiniPay today.
    72 teams who didn't have to build a wallet, find users, or solve payments first—just plug in and ship.
    All built on @Celo.
    • 30 replies
    • 15 reposts
    • 104 likes
    • 8.3K views
11. 

    MiniPay Sep 24, 2026 · 09:30
    It's a good day to send funds with MiniPay.
    • 34 replies
    • 6 reposts
    • 81 likes
    • 7.3K views
12. 

    MiniPay Sep 23, 2026 · 17:43
    Where are the OG users 👀
    What year did you start using MiniPay? Let us know down in the comments 👇
    • 61 replies
    • 7 reposts
    • 85 likes
    • 9.5K views
13. 

    MiniPay Sep 23, 2026 · 16:15
    Most apps spend their first year chasing their first 50,000 users. @hisaluto found them in one week!
    Builders here start where most apps hope to end up.
    • 16 replies
    • 11 reposts
    • 71 likes
    • 7.6K views
14. 

    MiniPay Sep 22, 2026 · 16:02
    Global money means global money.
    • 18 replies
    • 13 reposts
    • 290 likes
    • 755.7K views
15. 

    MiniPay Sep 22, 2026 · 15:45
    NEWS: @MiniPay has crossed 20,000,000 activated wallets!
    Three years since its launch, the global dollar wallet supports 70+ countries with 75+ Mini Apps for savings, utility payments, shopping & more
    Built by @Opera, only on @Celo
    • 25 replies
    • 27 reposts
    • 173 likes
    • 17.4K views
16. 

    MiniPay Sep 22, 2026 · 13:39
    20,000,000+ wallets activated
    Three years ago, MiniPay was a button inside a browser. 1 million wallets took five months. 10 million took two years. The next 10 million took twelve months.
    70 countries. One kind of money.
    Thank you for carrying it further than we planned.💚
    • 27 replies
    • 13 reposts
    • 112 likes
    • 7.8K views

MiniPay Card Reviews & Comments

No reviews yet. Be the first to share your experience.

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