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Comparing Nexo Card and OKX Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
These two are close: Nexo at 4.5/5 vs OKX at 4.2/5. Nexo has a small lead, but which card works better depends on what you need.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual only |
| Network | Mastercard Credit/Debit | Mastercard Debit |
| 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) | 0.1% conversion spread (official docs); no transaction or FX fees |
| Rewards | ||
| Cashback | Up to 2% (Tiers) | 2-4% (VIP tiers) |
| Yield on spendable balance | Yes | Yes |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay) |
| Bank account in your name | IBAN yes (Malta-based personal IBAN); SEPA yes (SEPA Instant); SWIFT not disclosed | SEPA via MiCA/PSD2 Malta PI license (EU); IBAN not explicitly confirmed per user |
| Daily spend limit | Based on credit line or account balance | Based on verification and tier |
| ATM withdrawal limit | €200-€2000/month free (by tier), 2% after; €600/transaction | Not available (virtual card only) |
| Top-up methods | 100+ digital assets from Nexo account including BTC, ETH, stablecoins | USDC, USDG stablecoins from OKX Pay account |
| 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 | EEA + Brazil |
| Behind the card | ||
| Card issuer | DiPocket UAB — Lithuania (EMI No. 75)Named in the card terms | Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania)Named in the card terms |
| Our read | ||
| Strengths |
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| Trade-offs |
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| Get Nexo Card | Get OKX Card | |
Nexo Card is the better card here. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, OKX may be better if you need something it does better.
In short: Nexo Card (4.5/5) is the stronger option for most people compared to OKX Card (4.2/5).
