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Comparing Nexo Card and Crypto.com Visa Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
Some cards on this page link to affiliate partners, and we may earn a commission if you sign up. The comparison verdict comes from our public scoring formula either way — read our editorial disclosure.
The short version:
Nexo rates 4.5/5, slightly ahead of Crypto.com at 4.1/5. 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 | Visa |
| Custody | Custodial | Custodial |
| Costs | ||
| Issuance fee | Free | Free |
| Annual fee | Free | Free to $50000 CRO stake for Obsidian |
| FX fee | 0.2% EEA/UK/CH; 2% elsewhere; +0.5% weekends. Free FX allowances by loyalty tier (€3K-20K/mo) | 0% FX markup on international purchases (most tiers); ~0.5% conversion spread on crypto-to-fiat |
| Rewards | ||
| Cashback | Up to 2% (Tiers) | Up to 5% (Tiers) |
| Yield on spendable balance | Yes | NoThe issuer pays yield, but in a separate product |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay; Samsung Pay; Curve) |
| Bank account in your name | IBAN yes (Malta-based personal IBAN); SEPA yes (SEPA Instant); SWIFT not disclosed | SEPA yes (EEA + Switzerland onlySEPA yes (EEA + Switzerland only — UK is NOT eligible for the EUR Account); app gives 'personal bank transfer details' for EUR deposits, but Crypto.com never states this is a dedicated IBAN in the user's own name; EUR deposits are SEPA-only, no SWIFT |
| Daily spend limit | Based on credit line or account balance | Available; varies by tier and region |
| ATM withdrawal limit | €200-€2000/month free (by tier), 2% after; €600/transaction | $200-$1000/month free (by tier), 2% after; $500-$2000/day |
| Top-up methods | 100+ digital assets from Nexo account including BTC, ETH, stablecoins | No FX fees on international spending |
| 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 | 36 countries36 countries — USA excl. New York and the five US territories, UK, EU, Switzerland, Norway, Iceland, Canada, Australia, Singapore, Brazil. Crypto.com publishes no single global list; 36 is a floor, since its own fee schedules also cover select LATAM markets and a separate prepaid Mastercard in Bahrain and select GCC markets |
| Behind the card | ||
| Card issuer | DiPocket UAB — Lithuania (EMI No. 75)Named in the card terms | Foris Group (Crypto.com) — UK + Malta + Australia + SingaporeNamed in the card terms |
| Our read | ||
| Strengths |
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| Trade-offs |
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| Get Nexo Card | Get Crypto.com Visa Card | |
Nexo Card is the better card here. Nexo also lets you earn yield on your deposits, something Crypto.com doesn't offer. Zero fixed costs give Nexo a cost advantage from day one. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Crypto.com 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 Crypto.com Visa Card (4.1/5).
