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Nexo Card vs Crypto.com Visa Card: 2026 Comparison

Comparing Nexo Card and Crypto.com Visa Card on fees, cashback, custody, and where each card is available.

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:

These two are close: Nexo at 3.9/5, Crypto.com at 3.7/5. A 0.2-point gap is inside the formula's own rounding, so treat them as level. What moves the score for Nexo: no issuance or annual fee, up to 2% cashback.

Nexo:
Crypto.com:

Side by side

Side-by-side comparison of Nexo Card, Crypto.com Visa Card. Scroll horizontally to see all columns.
Feature

Nexo Card 3.9 out of 5, Sweepbase rating

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Crypto.com Visa Card 3.7 out of 5, Sweepbase rating

Get card Crypto.com Visa Card
Overview
Card typeVirtual + PhysicalVirtual + Physical
NetworkMastercard Credit/DebitVisa
CustodyCustodialCustodial
Costs
Issuance fee Strength: Free; the virtual card needs at least $50 in the Nexo account to activate, which stays spendable Strength: Free (virtual card, the regional fee schedules price only the physical card)
The fine print
  • Physical Basic card €4.99 / £4.99 / US$4.99 / C$4.99
  • Physical Plus card free for annual subscribers, monthly subscribers of 6+ consecutive months or lockup holders, otherwise €24.99 / £24.99 / US$29.99 / C$39.99
  • Replacement €50 / £50 / US$50 / C$70 (Basic €45.01 / £45.01 / US$7 / C$10)
Annual fee Strength: Free Strength: Free (Basic)
The fine print
  • Plus €3.99/month or €39.90/year (£3.99, US$4.99, CA$6.99 monthly) or a 12-month CRO lockup of €450 / £400 / US$500 / CA$650
  • Pro €24.99/month or €249.90/year (£24.99, US$29.99, CA$39.99 monthly) or a lockup of €4,500 / £4,000 / US$5,000 / CA$6,500
  • Private tiers by 12-month CRO lockup only: Icy-Rose €45,000 / £40,000 / US$50,000 / CA$65,000, Obsidian €450,000 / £400,000 / US$500,000 / CA$650,000
FX fee2% on weekdays when the merchant charges in a currency outside the EEA/UK/Swiss group…
The fine print
  • … (2.5% at weekends, Friday evening to Sunday evening UTC)
  • 0.2% on EEA, UK and Swiss currencies other than your card currency (0.7% at weekends)
  • No FX fee when the merchant charges in your card currency (EUR or GBP, USD in Argentina, where peso spending is also fee-free)
  • No free FX allowance in Europe: the fee page says all FX transactions are subject to fees
2% on foreign-currency spending outside the EU and UK for Basic cardholders in the EEA and UK…
The fine print
  • … (0.2% on other EU and UK currencies inside the EU and UK), 3% on non-USD spending on every tier below Private in the US, and 2% on non-CAD spending for Basic in Canada
  • From 1 October 2026 EEA/UK Plus and Pro also pay 0.2% inside the EU and UK, and outside it spend is free up to €400 / £400 a month on Plus and €800 / £800 on Pro, then 2% (until 30 September 2026 Plus and Pro pay no FX fee)
  • Canada Plus is free up to CA$700 a month and Pro up to CA$1,400, then 2% (since 1 September 2026)
  • Private tiers (Icy-Rose, Obsidian) pay no FX fee anywhere
Rewards
Cashback Strength: Up to 2% (Tiers) Strength: Up to 4.5% prepaid; up to 6% on the US credit card
Yield on spendable balance Strength: YesNoThe issuer pays yield, but in a separate product
Access
Apple / Google Pay Strength: Yes (Apple Pay; Google Pay) Strength: Yes (Apple Pay; Google Pay; Samsung Pay; Curve)
Bank account in your name Strength: IBAN yes (Malta-based personal IBAN); SEPA yes (SEPA Instant); SWIFT not disclosed Strength: SEPA yes (EEA + Switzerland only: UK is NOT eligible for the EUR Account)
The fine print
  • 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 limitDefault €70,000 per purchase and per day, €300,000 a month for cards issued after 11 September 2026…
The fine print
  • … (€30,000 / €100,000 on older cards), within your available credit line or balance
Available; varies by tier and region
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€200-€1,000 a month free by tier in the EEA (£180-£900 UK, US$200-US$1,000 US), 2% after
The fine print
  • Daily cap €2,000 on every EEA tier (£1,800 UK), US$500-US$2,000 US, C$700-C$2,500 Canada
  • The Canadian fee schedule publishes no free ATM allowance
Top-up methods100+ digital assets from Nexo account including BTC, ETH, stablecoins150+ cryptocurrencies including BTC, ETH, CRO, USDC, USDT
RegionsEEA, Andorra, Monaco and the United Kingdom, plus Argentina since 8 July 2026 and other selected jurisdictions Nexo…
The fine print
  • … does not name
  • Nexo publishes no country count: its support article names those groups, while nexo.com/nexo-card says selected European countries, including the EEA and the United Kingdom
36 countries: USA excl. New York and the five US territories, UK, EU, Switzerland, Norway, Iceland, Canada, Australia…
The fine print
  • … 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 issuerDiPocket UAB, Lithuania (EMI No. 75)Named in the card termsForis Group (Crypto.com), UK + Malta + Australia + SingaporeNamed in the card terms
Our read
Strengths
  • No issuance or annual fee
  • Cashback: Up to 2% (Tiers)
  • Spendable balance earns
  • Apple Pay and Google Pay
  • Bank account in your name
  • Virtual and physical
  • No issuance or annual fee
  • Cashback: Up to 4.5% prepaid; up to 6% on the US credit card
  • Apple Pay and Google Pay
  • Bank account in your name
  • Virtual and physical
Trade-offs
  • Issuer holds your funds
  • Issuer holds your funds

Which scores higher

Nothing in the formula favours Crypto.com over Nexo. What the formula cannot see is where you live and what you spend on: if Crypto.com is sold in your country and Nexo is not, that settles it, and the Regions row above is where to check.

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Nexo vs Crypto.com: FAQ

Nexo Card scores higher on the Sweepbase formula, at 3.9/5. What moves the score: no issuance or annual fee, up to 2% cashback. 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… Crypto.com Visa Card: issuance Free (virtual card, the regional fee schedules price only…), annual Free (Basic), 2% on foreign-currency spending outside the EU and UK for… Neither card charges for issuance or annual membership, so the difference comes down to FX fees.

Nexo Card: Up to 2% cashback. Crypto.com Visa Card: Up to 4.5% prepaid; up to 6% on the US credit card cashback. Rates can depend on tier, staking or caps, so check each card's page for the conditions.

Nexo Card: Custodial. Crypto.com Visa Card: Custodial. Both cards are custodial, meaning the issuer holds your funds on your behalf.

Nexo Card supports Apple Pay and Google Pay. Crypto.com Visa Card supports Apple Pay and Google Pay.

Nexo Card: Europe. Crypto.com Visa Card: 36 countries. Check each card's detail page for the full country list.

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