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Nexo Card vs MetaMask Card: 2026 Comparison

Comparing Nexo Card and MetaMask 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:

MetaMask rates 4.5/5, ahead of Nexo at 3.9/5. The gap is 0.6 of a point: a few line items in the formula, not a different class of card. What moves the score for MetaMask: self-custody, no issuance or annual fee, 1% cashback (3% Metal, paused).

Nexo:
MetaMask:

Side by side

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

Nexo Card 3.9 out of 5, Sweepbase rating

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MetaMask Card 4.5 out of 5, Sweepbase rating

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Overview
Card typeVirtual + PhysicalVirtual; Metal Physical. New US and UK sign-ups paused, no date given
NetworkMastercard Credit/DebitMastercard Debit
CustodyCustodial Strength: Self-custody
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 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
Cross-border fee 1% on the Free tier, defined by merchant location…
The fine print
  • … ("Using card with merchant located outside of cardholder country"), 0% on Metal
  • Conversion at Mastercard's rate with no separate FX markup
  • A second charge applies on both tiers: spending a stablecoin "denominated in currency not of cardholder country or merchant country" costs 0.5% (only Argentina is exempted, where the card is USD-denominated), so a Canadian or Mexican holder paying in USDC/mUSD at home pays 0.5%, not 1%
  • wETH spending costs 0.875%
  • Metal orders paused since 2 June 2026 and Metal was US-only (excluding Vermont), so the 0% tier cannot be ordered today
  • New sign-ups paused in the US and UK, no date given (the notice was live by 12 June 2026)
Rewards
Cashback Strength: Up to 2% (Tiers) Strength: 1% (3% Metal, paused)
Yield on spendable balance Strength: Yes Strength: Yes
Access
Apple / Google Pay Strength: Yes (Apple Pay; Google Pay) Strength: Yes (Apple Pay; Google Pay)
Bank account in your name Strength: IBAN yes (Malta-based personal IBAN); SEPA yes (SEPA Instant); SWIFT not disclosedNo
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
$10,000 per transaction and $15,000 a day on the Free tier; $20,000 and $30,000 on Metal
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 monthNot available to new cardholders: virtual cards outside the US cannot withdraw cash…
The fine print
  • … ("Virtual card users in other regions cannot withdraw cash from an ATM"), and US sign-ups and Metal orders are both paused
  • Existing US virtual and Metal holders: $1,000 per transaction
  • $1,000 a day on the Free tier and $5,000 a day on Metal
  • Fee 2% on the Free tier
  • Metal free up to $1,200 a month, then 2%
  • The ATM operator may add its own fee
Top-up methods100+ digital assets from Nexo account including BTC, ETH, stablecoinsmUSD, USDC, USDT, wETH, EURe and GBPe on Linea; USDC and USDT on Solana and Base; USDC on Monad
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
47 countries on the help centre: 23 of the 27 EU states plus Iceland, Liechtenstein, Norway, Switzerland, Andorra…
The fine print
  • … Monaco, Gibraltar, Guernsey, Jersey, Isle of Man, Canada, Bahrain, Oman and eleven Latin American markets
  • Not available in the USA or in the United Kingdom for new sign-ups
  • MetaMask gives no date for either pause, and the notice was already on its help-centre FAQ in a Wayback Machine capture of 12 June 2026
  • Existing holders unaffected
Behind the card
Card issuerDiPocket UAB, Lithuania (EMI No. 75)Named in the card termsMonavate Limited + UAB Monavate, UK (FCA 901097) + Lithuania (Bank of Lithuania); Cross River Bank, USA (New Jersey state-chartered)Named in the card terms; Cross River Bank is inferred
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
  • You hold the keys
  • No issuance or annual fee
  • Cashback: 1% (3% Metal, paused)
  • Spendable balance earns
  • Apple Pay and Google Pay
  • Virtual and physical
Trade-offs
  • Issuer holds your funds
Nothing flagged by these checks

Which scores higher

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

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Nexo vs MetaMask: FAQ

MetaMask Card scores higher on the Sweepbase formula, at 4.5/5. What moves the score: self-custody, no issuance or annual fee, 1% cashback (3% Metal, paused). 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… MetaMask Card: issuance Free, annual Free, FX Cross-border fee 1% on the Free tier, defined by merchant… Neither card charges for issuance or annual membership, so the difference comes down to FX fees.

Nexo Card: Up to 2% cashback. MetaMask Card: 1% cashback (3% Metal, paused). Rates can depend on tier, staking or caps, so check each card's page for the conditions.

Nexo Card: Custodial. MetaMask Card: Self-custody. MetaMask Card keeps your crypto in your own wallet until you spend it, so the issuer never controls your funds.

Nexo Card supports Apple Pay and Google Pay. MetaMask Card supports Apple Pay and Google Pay.

Nexo Card: Europe. MetaMask Card: 47 countries. Check each card's detail page for the full country list.

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