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Nexo virtual Mastercard front visual
66Overall

Best fit

  • Switching between spending savings and borrowing against crypto.
  • Paying from Flexible Savings without moving funds to a card wallet.

Before you choose

  • Cashback requires Credit Mode and more than $5,000 in account assets.
  • Credit Mode incurs borrowing costs and can trigger collateral liquidation.
Read review
Unofficial MPChat-inspired card design concept; not an issued card design
52Overall

Best fit

  • MPChat Pay users allocating USDT to a separate Visa spending balance.
  • Choosing Cloud for online payments or Boundless for physical-card use.

Before you choose

  • Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
  • Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
Read review
2 of 4 cards selected

Fees, rewards & everyday use

Compare the details

01

Scores

Overall Score
Nexo Card: 66
MPChat Card: 52
Cashback score
Nexo Card: 41
MPChat Card: 18
Travel score
Nexo Card: 65
MPChat Card: 72
Funds control score
Nexo Card: 52
MPChat Card: 41
Lowest fees score
Nexo Card: 57
MPChat Card: 60
Transfers score
Nexo Card: 91
MPChat Card: 58
02

Costs

Plan cost
Nexo Card: $0
MPChat Card: $0
FX fee
Nexo Card: 0.2–2.5%
MPChat Card: 0%
Top-up fee
Nexo Card: Not disclosed
MPChat Card: USDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
Card spending fee
Nexo Card: Not disclosed
MPChat Card: 0.8%
ATM fee
Nexo Card: 2% after tier allowance; minimum 1.99 EUR/GBP
MPChat Card: Boundless only: 2%, minimum $1; Cloud has no ATM access
Virtual card
Nexo Card: Available from $50 account balance
MPChat Card: Cloud: 10 USDT one time
Physical card
Nexo Card: $0-$5 or free
MPChat Card: $100
03

Plans & rewards

Entry plan
Nexo Card: Base
MPChat Card: Cloud Card
Base cashback
Nexo Card: 0.5%
MPChat Card: Not disclosed
Max cashback
Nexo Card: 2%
MPChat Card: Not disclosed
Reward currency
Nexo Card: NEXO/BTC
MPChat Card: Not disclosed
Cashback cap · entry plan
Nexo Card: $50 / month
MPChat Card: Not disclosed
Full-rate spend · entry plan
Nexo Card: $10,000 / month
MPChat Card: Not disclosed
Rate after spend cap · entry plan
Nexo Card: 0%
MPChat Card: Not disclosed
Top cashback plan
Nexo Card: Platinum
MPChat Card: Not disclosed
Cashback on top plan
Nexo Card: 2% in NEXO
MPChat Card: Not disclosed
Cashback cap · top plan
Nexo Card: $200 / month
MPChat Card: Not disclosed
Full-rate spend · top plan
Nexo Card: $10,000 / month
MPChat Card: Not disclosed
Rate after spend cap · top plan
Nexo Card: 0%
MPChat Card: Not disclosed
Top plan price / access
Nexo Card: 10% NEXO · requirement
MPChat Card: Not disclosed
Top plan qualification
Nexo Card: At least 10% of portfolio value in NEXO Tokens; $5,000 portfolio for perks
MPChat Card: Not disclosed
04

Everyday use

Network
Nexo Card: Mastercard
MPChat Card: Visa
Card formats
Nexo Card: Virtual, Physical
MPChat Card: Virtual, Physical
ATM withdrawals
Nexo Card: Available
MPChat Card: Available
Mobile wallets
Nexo Card: Apple Pay, Google Pay
MPChat Card: Google Pay
Apps
Nexo Card: iOS, Android, Web
MPChat Card: Not disclosed
Daily spending limit
Nexo Card: €10,000 / £9,000/day; €10,000 / £9,000/transaction
MPChat Card: $250,000 / day
Monthly spending limit
Nexo Card: €60,000 / £54,000/month
MPChat Card: $1,000,000 / month
ATM limit
Nexo Card: €600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/month
MPChat Card: $1,500 / day
05

Money in & out

Networks
Nexo Card: Not disclosed
MPChat Card: Tron (TRC20)
Stablecoin deposits
Nexo Card: USDC, USDT
MPChat Card: USDT
Other crypto deposits
Nexo Card: BTC, ETH, SOL, XRP, ADA +3
MPChat Card: Not disclosed
Fiat deposits
Nexo Card: Nexo account bank deposit
MPChat Card: Not disclosed
Crypto transfers
Nexo Card: Nexo account crypto withdrawal
MPChat Card: External USDT withdrawal
Internal transfers
Nexo Card: Nexo account internal transfer
MPChat Card: Not disclosed
Bank transfers
Nexo Card: Nexo account bank withdrawal
MPChat Card: Not disclosed
Payout currencies
Nexo Card: EUR, GBP, USD
MPChat Card: Not disclosed
06

Earn

Advertised APY
Nexo Card: Up to 13% APY
MPChat Card: Not offered
How it works
Nexo Card: Earn on spending balance
MPChat Card: Not offered
Separate deposit
Nexo Card: Not disclosed
MPChat Card: Not offered
Use balance for spending
Nexo Card: Yes
MPChat Card: Not offered
Lock-up
Nexo Card: No
MPChat Card: Not offered
07

Trust & sources

Custody
Nexo Card: Custodial
MPChat Card: Custodial
Control until payment
Nexo Card: Provider controls funds
MPChat Card: Provider controls funds
Card issuer
Nexo Card: DiPocket UAB
MPChat Card: Not disclosed
Programme operator
Nexo Card: Nexo Services Sp. z o.o.
MPChat Card: Not disclosed
Official sources
Nexo Card: 14
MPChat Card: 30
Last reviewed
Nexo Card: Nov 12, 2026
MPChat Card: Nov 12, 2026

Using the comparison

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Yes. Select up to four cards. On a phone, two cards appear side by side. Tap the left or right card menu to show another selected card; the rest stay in your comparison.

How do I add or replace a card?

Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.

Which plan do the cashback figures describe?

Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.

What is the difference between the cashback caps?

A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.

Does Not disclosed mean a fee is zero?

No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.

Do partner offers influence the scores?

No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.

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