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Comparing Nexo Card and Binance Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
Nexo rates 4.5/5, slightly ahead of Binance at 4/5. Both are solid options, but Nexo is the better pick for most people.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Mastercard Credit/Debit | Mastercard Prepaid |
| Custody | Custodial | Custodial |
| Costs | ||
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| FX fee | 0.2% EEA/UK/CH; 2% elsewhere; +0.5% weekends. Free FX allowances by loyalty tier (€3K-20K/mo) | 0.9% crypto-to-fiat conversion + 1-2% FX on foreign currency |
| Rewards | ||
| Cashback | Up to 2% (Tiers) | Up to 3% (Brazil) |
| Yield on spendable balance | Yes | NoThe issuer pays yield, but in a separate product |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | No |
| Bank account in your name | IBAN yes (Malta-based personal IBAN); SEPA yes (SEPA Instant); SWIFT not disclosed | No |
| Daily spend limit | Based on credit line or account balance | Varies by tier based on BNB holdings, up to €8700/day for highest tier |
| ATM withdrawal limit | €200-€2000/month free (by tier), 2% after; €600/transaction | €290/day; 0.9% fee |
| Top-up methods | 100+ digital assets from Nexo account including BTC, ETH, stablecoins | BTC, BNB, USDT and 10+ major cryptos |
| Regions | EEA and the United Kingdom, plus Argentina since 8 July 2026EEA and the United Kingdom, plus Argentina since 8 July 2026. Nexo publishes no country list and no count - its own wording is selected European countries, including the EEA and the United Kingdom. Virtual card only: Nexo states on two help pages that ordering physical cards is temporarily unavailable | Binance names Brazil, Argentina, Peru and Armenia in its own words on…Binance names Brazil, Argentina, Peru and Armenia in its own words on binance.com/en/cards, whose region selector carries eight options: Brasil, LATAM, CIS, MEA, Australia, New Zealand, APAC and Argentina. The MEA, APAC, AU and NZ tabs name no country at all, and the CIS tab says only some CIS countries and Armenia, so no consolidated list of supported countries exists anywhere. A separate Binance Card Global Program runs through Immersve Limited, a New Zealand entity licensed as a card issuer by Mastercard. Excludes EEA, UK and United States - read from absence, since no European or American tab exists and binance.com/en-GB/cards 404s, not from any Binance statement |
| Behind the card | ||
| Card issuer | DiPocket UAB — Lithuania (EMI No. 75)Named in the card terms | Pomelo S.A. — Argentina (BaaS, multi-LatAm)Inferred, not stated by the issuer |
| Our read | ||
| Strengths |
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| Trade-offs |
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| Get Nexo Card | Get Binance Card | |
Nexo Card is the better card here. Nexo also lets you earn yield on your deposits, something Binance doesn't offer. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Binance may be better if you need broader regional coverage.
In short: Nexo Card (4.5/5) is the stronger option for most people compared to Binance Card (4/5).
