Nexo Card vs Coinbase Card: 2026 Comparison
Comparing Nexo Card and Coinbase Card on fees, cashback, custody, and where each card is available.
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The short version:
Coinbase rates 4.3/5, ahead of Nexo at 3.9/5. The gap is 0.4 of a point: a few line items in the formula, not a different class of card. What moves the score for Coinbase: no issuance or annual fee, variable cashback (US only).
Nexo:
Coinbase:
Side by side
| Feature | Nexo Card 3.9 out of 5, Sweepbase rating Get card Nexo Card | Coinbase Card 4.3 out of 5, Sweepbase rating Get card Coinbase Card |
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Mastercard Credit/Debit | Visa Debit |
| Custody | Custodial | Custodial |
| Costs | ||
| Issuance fee | Strength: Free; the virtual card needs at least $50 in the Nexo account to activate, which stays spendable | Strength: Free |
| Annual fee | Strength: Free | Strength: Free |
| FX fee | 2% on weekdays when the merchant charges in a currency outside the EEA/UK/Swiss group…The fine print
| No transaction fees: $0 for card transactions, crypto conversion, international purchases and ATM withdrawals…The fine print
|
| Rewards | ||
| Cashback | Strength: Up to 2% (Tiers) | Strength: Variable (US only) |
| Yield on spendable balance | Strength: Yes | Strength: Yes |
| Access | ||
| Apple / Google Pay | Strength: Yes (Apple Pay; Google Pay) | Strength: Yes in the US (Apple Pay; Google Pay); not available in the UK or EEA |
| Bank account in your name | Strength: IBAN yes (Malta-based personal IBAN); SEPA yes (SEPA Instant); SWIFT not disclosed | Strength: SEPA yes (EUR deposits via IBAN on Coinbase acct); no dedicated card IBAN |
| Daily spend limit | Default €70,000 per purchase and per day, €300,000 a month for cards issued after 11 September 2026…The fine print
| US: $2,500 per 24 hours, signature and PIN combined, with a $25,000 maximum card balance…The fine print
|
| ATM withdrawal limit | €200-€2,000 a month free by tier (£180-£1,800; US$150-US$2,000 on USD cards), then 2% with a €1.99 minimum; €600 per withdrawal, €2,000 a day, €10,000 a month | US: no more than $1,000 per 24 hours and at most six withdrawals a day (Pathward Cardholder Agreement, 14 Oct 2024)The fine print
|
| Top-up methods | 100+ digital assets from Nexo account including BTC, ETH, stablecoins | Any crypto held in Coinbase account (BTC, ETH, USDC, DOGE, and 100+ cryptos) |
| Regions | EEA, Andorra, Monaco and the United Kingdom, plus Argentina since 8 July 2026 and other selected jurisdictions Nexo…The fine print
| US plus the United Kingdom and 30 EEA countries. The separate Coinbase One Card, an Amex credit card, is US-only |
| Behind the card | ||
| Card issuer | DiPocket UAB, Lithuania (EMI No. 75)Named in the card terms | Pathward, N.A., USA (ex-MetaBank); Paysafe Financial Services Limited, UK (FCA FRN 900015)Named in the card terms |
| Our read | ||
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Which scores higher
Nothing in the formula favours Nexo over Coinbase. What the formula cannot see is where you live and what you spend on: if Nexo is sold in your country and Coinbase is not, that settles it, and the Regions row above is where to check.
Nexo vs Coinbase: FAQ
Coinbase Card scores higher on the Sweepbase formula, at 4.3/5. What moves the score: no issuance or annual fee, variable cashback (US only). The formula does not know where you live or how you spend, so check availability and fees for your own case.
Nexo Card: issuance Free, annual Free, FX 2% on weekdays when the merchant charges in a currency… Coinbase Card: issuance Free, annual Free, FX No transaction fees: $0 for card transactions, crypto… Neither card charges for issuance or annual membership, so the difference comes down to FX fees.
Nexo Card: Up to 2% cashback. Coinbase Card: Variable cashback (US only). Rates can depend on tier, staking or caps, so check each card's page for the conditions.
Nexo Card: Custodial. Coinbase Card: Custodial. Both cards are custodial, meaning the issuer holds your funds on your behalf.
Nexo Card supports Apple Pay and Google Pay. Coinbase Card supports Apple Pay and Google Pay.
Nexo Card: Europe. Coinbase Card: Europe + USA. Check each card's detail page for the full country list.