# Metal Pay: Buy Bitcoin and ETH — Buy Bitcoin. Send to Friends.

> Buy, send, and trade cryptocurrencies like Bitcoin and Ethereum. (iPhone/iPad app by Metallicus, Inc..)

- Source: https://appshunter.io/ios/app/metal-pay-buy-bitcoin-and-eth/id1345101178 (this page in markdown: same URL + `.md`)
- Developer: [Metallicus, Inc.](https://appshunter.io/developer/1345101177)
- Category: Finance, Lifestyle
- Price: Free
- Rating: 4.30/5 from 4,322 App Store ratings · 140 written reviews indexed
- Age rating: 17+
- Requires: iOS 15.1 · 99 MB
- Languages: American English
- Released: 2018-09-14
- Data updated: 2026-08-24
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/metal-pay-buy-bitcoin-and-eth/id1345101178/reviews.md

## What is Metal Pay?

Metal Pay: The easiest way to transact with the most popular cryptocurrencies directly from the Metal Pay app. 

Pay Your Friends with Crypto!

Just link your bank card, fund your Metal Pay account, and start transacting. 

Buy Bitcoin, XPR, and MTL for nominal fees and trade in and out of USDC with 0% fees. Metal Pay users can also send cryptocurrency to other users for 0% fees as well, making it the most affordable way to move crypto.

Metal Pay users can buy crypto immediately while their cash transaction is pending, which means no more lengthy wait times as your bank clears the transaction. Get the crypto you want at the price you want it and never miss an opportunity again.

Learn more at metalpay.com

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

Alabama AL
Alaska AK
Arizona AZ
Arkansas AR
California CA
Colorado CO
Connecticut CT
DC
Delaware DE
Florida FL
Georgia GA
Idaho ID
Illinois IL
Indiana IN
Iowa IA
Kansas KS
Kentucky KY
Louisiana LA
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
New Mexico NM
North Dakota ND
Ohio OH
Oklahoma OK
Oregon OR
Pennsylvania PA
Rhode Island RI
South Carolina SC
South Dakota SD
Tennessee TN
Texas TX
Utah UT
Vermont VT
Virginia VA
Washington WA
West Virginia WV
Wisconsin WI
Wyoming WY
Puerto Rico

## Key features

- Buy Bitcoin and Ethereum
- Send crypto to friends
- Trade USDC with 0% fees
- Instant crypto purchases
- Link bank card for funding
- Nominal transaction fees

## What do users think of Metal Pay?

Overall sentiment: neutral

**Pros**

- 🚀 Smooth and easy to use
- 👍 Helpful and responsive customer service
- 💡 Innovative crypto features
- 🚀 Fast transactions
- 🚀 Seamless buying and sending of crypto
- 👍 Clean and intuitive interface
- 💡 Earn crypto rewards for transactions

**Cons**

- 🐛 App crashes and freezes
- 🐛 Verification and account issues
- 🐛 Withdrawal and deposit problems
- 🐛 Inconsistent app performance
- 🐛 Funds getting stuck or lost
- 🐛 Lack of transparency around fees and policies

**Commonly reported bugs**

- App crashes during use
- Verification process issues
- Withdrawal and deposit failures
- Inconsistent app performance
- Funds disappearing or getting stuck

**Most requested features**

- Add more cryptocurrencies
- Improve withdrawal and deposit functionality
- Provide better in-app support and communication
- Enhance security and account management features
- Integrate with more payment methods and banks

## Recent user reviews (10 of 140)

All indexed reviews: https://appshunter.io/ios/app/metal-pay-buy-bitcoin-and-eth/id1345101178/reviews.md

### 1/5 — So has been down for a week

*2026-08-17, version 3.1.222*

I literally have not been able to log in for a week. Only displays the logo

### 2/5 — App down

*2026-08-03, version 3.1.219*

This app has been down for almost 5 days and no update on status… while this is a great time to buy…

### 2/5 — App doesn’t open or load

*2026-08-03, version 3.1.219*

Haven’t been able to open the app and almost a week. I deleted it re-downloaded it and still can’t even open the app.

### 2/5 — Not great

*2026-08-03, version 3.1.219*

Cant open the app. Been this way for at least a week now. Deleted the app and redownloaded. Still nothing. It would be nice to move everything I have in this app to a different wallet

### 1/5 — Won’t open

*2026-08-03, version 3.1.219*

I’m current on updates, but the app won’t open. Is it down?

### 1/5 — App is frozen 🤦🏻‍♀️🙄

*2026-08-02, version 3.1.219*

The app decided to freeze and will not open up. Why?!?! I need access to it asap!

### 1/5 — It’s getting worse not better

*2026-07-31, version 3.1.219*

I have this wallet now for several years - many updates but nothing visibly becomes better in fact it’s getting worse. 
You used to be able to connect it to your bank account and that’s no longer possible. You used to be able to get a routing and checking number so you could use it like a checking account and that’s also not possible anymore. Then it started to have problems with my credit card and not accepting the card anymore. Tech service wasn’t able to help me and wanted me to just not use that card anymore. Then chat function stopped working for me and now after the latest update the whole app won’t even start anymore. So service and usability both got worse not better. I can’t recommend this wallet any longer.

### 2/5 — Not good

*2026-05-20, version 3.1.205*

Not good - constantly issues with reliability. Portfolio and crypto view gets stuck. Can’t use app support through the app because screen stays black. Won’t accept my debit card anymore either. It seems to get more buggy and not less.

### 2/5 — App is very difficult to use.

*2026-05-17, version 3.1.205*

Short Review: app is useless. 

Long Review: I use other exchanges without any problem, MetalPay is difficult. I’ve tried to link different bank cards and it never works. I decided I’ll skip the bank cards link up and send some stable coins from another wallet. MetalPay will not create a receive address for any of the stable coins that are listed on MetalPay. I did find that MetalPay would create a receive address for Doge so, I transferred a small amount of Doge and that worked. Now I want to swap that Doge for some Metal but guess what, I do not have a swap option when I’m in the Doge wallet. I can go into the metal wallet and select buy but the app doesn’t give me an option to pay with Doge. So, I cannot deposit dollars, I cannot deposit stable coins, I can deposit only a few crypto’s like Doge but then cannot trade them for what I wanted to begin with. 

I did contact customer help and they seemed to be stuck in the mindset about me trying to get my bank card connected to MetalPay. I informed them I’ve given up on linking a bank account and that I would just directly send crypto to my MetalPay wallet which would require no bank account link up.  I asked why my MetalPay wallet would not create a receive address for stable coins and the answers always came back about trying to troubleshoot the bank cards not linking up even after saying I don’t need the bank account link up anymore.   

What was the point of this app again besides headaches?

### 1/5 — Bad customer support

*2026-05-07, version 3.1.200*

The app sucks they have ghost as support don’t use they hold your money and take decades to recover they have no phone number support you will be dealing with a ghost

## Frequently asked questions about Metal Pay

### What can I do with Metal Pay?

Metal Pay allows you to easily buy popular cryptocurrencies like Bitcoin and Ethereum. You can also send crypto to other users for free and trade in and out of USDC with no fees. The app facilitates quick transactions by letting you buy crypto immediately while your cash transaction is still pending.

### How do I fund my Metal Pay account?

You can fund your Metal Pay account by linking your bank card. Once linked, you can deposit funds to begin transacting with cryptocurrencies. The app aims to make the process straightforward for users to start buying and sending crypto.

### Are there fees for using Metal Pay?

Metal Pay charges nominal fees for buying Bitcoin, XPR, and MTL. However, trading in and out of USDC is free (0% fees). Sending cryptocurrency to other Metal Pay users is also free, making it an affordable option for moving digital assets.

### Is Metal Pay available in my state?

Metal Pay is available in a wide range of states and territories across the United States, including Alabama, California, Texas, and New York, among many others. A comprehensive list of supported locations is provided within the app's details.

### What cryptocurrencies can I buy and trade?

You can buy Bitcoin and Ethereum directly through the Metal Pay app. Additionally, you can trade in and out of USDC with 0% fees. The app also supports transactions for XPR and MTL.

## Version history (last 5 releases)

### 3.1.222 — 2026-08-11

Bug fixes and performance improvements

### 3.1.221 — 2026-08-04

Bug fixes and performance improvements

### 3.1.219 — 2026-07-23

Bug fixes and performance improvements

### 3.1.218 — 2026-07-13

Bug fixes and performance improvements

### 3.1.214 — 2026-06-23

Bug fixes and performance improvements

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## More apps by Metallicus, Inc.

- [WebAuth: Self-Custody Wallet](https://appshunter.io/ios/app/webauth-self-custody-wallet/id1594500069)

All apps by Metallicus, Inc.: https://appshunter.io/developer/1345101177

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-24.*