NexoNexo
66
Side-by-side card comparison
Nexo vs Bitpanda: overall score versus use-case fit
Bitpanda Card has the higher Overall Score by 7 points (73 vs 66). Nexo Card looks stronger for Transfers, while Bitpanda Card comes out ahead for Cashback, Travel, Funds control, and Lowest fees.
Information checked Oct 6, 202630 official sources reviewed
01 · Overall score versus use-case fit
Bitpanda Card is the better all-round starting point
Bitpanda Card has the higher Overall Score in this comparison. Nexo Card may be the better fit for Transfers. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallNexo66Bitpanda73Higher score
CashbackNexo41Bitpanda60Higher score
TravelNexo65Bitpanda79Higher score
Funds controlNexo52Bitpanda56Higher score
Lowest feesNexo57Bitpanda67Higher score
TransfersNexo91Bitpanda85Higher score
Choose Nexo Card if transfers matters most
Nexo Card comes out ahead for Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Choose debit spend or credit-line use
- No base monthly or annual card fee
- Virtual card works with phone wallets
Choose Bitpanda Card if cashback and travel matter most
Bitpanda Card comes out ahead for Cashback, Travel, Funds control, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No monthly fee
- Apple Pay and Google Pay
- Crypto and metals payments
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Nexo66Bitpanda73
Bitpanda Card has the higher Overall Score by 7 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXBitpanda$0 plan · 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable FX
Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs 0.2–2.5%).
- Purchase rewards
- Nexo0.5% base · up to 2%Bitpanda1% cashback
Bitpanda Card has the higher published base cashback rate (1% vs 0.5%).
- Funds control
- NexoCustodial balanceBitpandaCustodial balance
Nexo Card and Bitpanda Card use the same custodial balance setup.
- Everyday access
- NexoVirtual + Physical · Apple Pay, Google PayBitpandaVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Nexo2 stablecoins · Stablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalBitpanda2 stablecoins · Stablecoin transfers; EUR SEPA withdrawal
Nexo Card lists more stablecoins and ways to send money out (5 vs 4).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0.5%-2%
- Plan cost
- $0
- FX fee
- 0.2–2.5%
- ATM fee
- 0–2%; minimum 1.99 EUR/GBP
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 10 crypto · 1 fiat
- Payout methods
- 4 crypto · 3 fiat
- Cashback
- 1%
- Plan cost
- $0
- FX fee
- 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- ATM fee
- 2%; min €2
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 1 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsNexo CardOverall66Bitpanda CardOverall73
Nexo CardOverall66Bitpanda CardOverall73Scores
6 fields- Overall Score
- Nexo Card66Bitpanda Card73
- Cashback score
- Nexo Card41Bitpanda Card60
- Travel score
- Nexo Card65Bitpanda Card79
- Funds control score
- Nexo Card52Bitpanda Card56
- Lowest fees score
- Nexo Card57Bitpanda Card67
- Transfers score
- Nexo Card91Bitpanda Card85
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feeBitpanda CardNo monthly fee, Apple Pay and Google Pay
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskBitpanda CardAsset sale fees on payments, Limited cashback eligibility
Costs
7 fields- Plan cost
- Nexo Card$0Bitpanda Card$0
- FX fee
- Nexo Card0.2–2.5%Bitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- Nexo CardNot disclosedBitpanda CardEUR SEPA deposits and withdrawals: no Bitpanda fee. PayPal deposit: 1.49%. Bank charges and other methods may differ. These fund the provider account
- Card spending fee
- Nexo CardNot disclosedBitpanda CardNot disclosed
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPBitpanda Card2%; min €2
- Virtual card
- Nexo CardAvailable from $50 account balanceBitpanda CardNot disclosed
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierBitpanda CardFirst card free. One active physical card per user.
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumBitpanda Card1 plans: Standard
- Top cashback plan
- Nexo CardPlatinum: 2%Bitpanda CardStandard: 1%
Everyday use
8 fields- Network
- Nexo CardMastercardBitpanda CardVisa
- Card formats
- Nexo CardVirtual, PhysicalBitpanda CardVirtual, Physical
- ATM withdrawals
- Nexo CardAvailableBitpanda CardAvailable
- Mobile wallets
- Nexo CardApple Pay, Google PayBitpanda CardApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebBitpanda CardiOS, Android, Web
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionBitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthBitpanda Card€280,000 per month
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthBitpanda Card€500 per day
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedBitpanda CardNot disclosed
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Bitpanda CardStablecoins: USDC
- Fiat deposits
- Nexo CardNexo account bank depositBitpanda CardEUR SEPA deposit
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalBitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- Nexo CardEUR, GBP, USDBitpanda CardEUR
Rewards
3 fields- Base cashback
- Nexo Card0.5%Bitpanda Card1%
- Max cashback
- Nexo Card2%Bitpanda Card1%
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackBitpanda CardSame eligible cryptocurrency used for payment
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYBitpanda CardNot disclosed
- How it works
- Nexo CardEarn on spending balanceBitpanda CardEarn on spending balance
- Separate deposit
- Nexo CardNot disclosedBitpanda CardNo
- Use balance for spending
- Nexo CardYesBitpanda CardYes
- Lock-up
- Nexo CardNoBitpanda CardNo
Trust & availability
5 fields- Custody
- Nexo CardCustodialBitpanda CardCustodial
- Control until payment
- Nexo CardProvider controls fundsBitpanda CardProvider controls funds
- Card issuer
- Nexo CardDiPocket UABBitpanda CardTransact Payments Malta Limited
- Card processing
- Nexo CardNot disclosedBitpanda CardMarqeta
- Programme operator
- Nexo CardNexo Services Sp. z o.o.Bitpanda CardNot disclosed
Sources
2 fields- Official sources
- Nexo Card14Bitpanda Card16
- Last reviewed
- Nexo CardSep 2, 2026Bitpanda CardOct 6, 2026
04 · The trade-off
Bitpanda Card is the stronger all-round choice
Bitpanda Card finishes ahead with an Overall Score of 73 versus 66 for Nexo Card. Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs 0.2–2.5%). Bitpanda Card has the higher published base cashback rate (1% vs 0.5%).
Nexo Card still comes out ahead for Transfers, which may matter more than the overall result if that is how you plan to use the card. Nexo Card and Bitpanda Card use the same custodial balance setup.
Nexo Card lists more stablecoins and ways to send money out (5 vs 4). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Nexo Card and Bitpanda Card reviews first.
Continue with
Nexo Card
Continue with
Bitpanda Card
05 · Common questions
Nexo vs Bitpanda FAQ
Is Nexo or Bitpanda better overall?
Bitpanda Card has the higher Overall Score (73 vs 66). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Nexo or Bitpanda?
Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs 0.2–2.5%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Nexo or Bitpanda?
Bitpanda Card has the higher published base cashback rate (1% vs 0.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Nexo and Bitpanda differ on custody?
Nexo Card and Bitpanda Card use the same custodial balance setup.
How current is this Nexo vs Bitpanda comparison?
The latest information check for these two cards was October 6, 2026, using 30 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.