NexoNexo
65
Side-by-side card comparison
Nexo vs Exa: overall score versus use-case fit
Exa Card has the higher Overall Score by 1 point (66 vs 65). Nexo Card looks stronger for Cashback and Travel, while Exa Card comes out ahead for Funds control, Lowest fees, and Transfers.
Information checked Aug 23, 202644 official sources reviewed
01 · Overall score versus use-case fit
Exa Card is the better all-round starting point
Exa Card has the higher Overall Score in this comparison. Nexo Card may be the better fit for Cashback and Travel. 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.
OverallNexo65Exa66Higher score
CashbackNexo41Exa19Higher score
TravelNexo65Exa61Higher score
Funds controlNexo52Exa88Higher score
Lowest feesNexo57Exa67Higher score
TransfersNexo91Exa97Higher score
Choose Nexo Card if cashback and travel matter most
Nexo Card comes out ahead for Cashback and Travel 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 Exa Card if funds control and lowest fees matter most
Exa Card comes out ahead for Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Deposited assets can earn yield
- Spend balance or borrow USDC
- Self-custody on Exactly Protocol
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
- Nexo65Exa66
Exa Card has the higher Overall Score by 1 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXExa$0 plan · 1.5% FX
Exa Card has the lower published FX fee (1.5% vs 0.2–2.5%).
- Purchase rewards
- Nexo0.5% base · up to 2%Exa0% cashback
Nexo Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- NexoCustodial balanceExaSelf-controlled wallet
Nexo Card uses a custodial balance setup, while Exa Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- NexoVirtual + Physical · Apple Pay, Google PayExaVirtual · Apple Pay, Google Pay
Nexo Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Nexo2 stablecoins · Stablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalExa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
Both cards list the same number of stablecoins and ways to send money out.
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
66
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.5%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 4 fiat
- Payout methods
- 1 crypto · 2 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 CardOverall65Exa CardOverall66
Nexo CardOverall65Exa CardOverall66Scores
6 fields- Overall Score
- Nexo Card65Exa Card66
- Cashback score
- Nexo Card41Exa Card19
- Travel score
- Nexo Card65Exa Card61
- Funds control score
- Nexo Card52Exa Card88
- Lowest fees score
- Nexo Card57Exa Card67
- Transfers score
- Nexo Card91Exa Card97
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feeExa CardDeposited assets can earn yield, Spend balance or borrow USDC
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskExa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacy
Costs
7 fields- Plan cost
- Nexo Card$0Exa Card$0
- FX fee
- Nexo Card0.2–2.5%Exa Card1.5%
- Top-up fee
- Nexo CardNot disclosedExa Card1%
- Card spending fee
- Nexo CardNot disclosedExa CardNot disclosed
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPExa Card$1 + 0.65%
- Virtual card
- Nexo CardAvailable from $50 account balanceExa CardFree with Exa Wallet
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierExa CardNot available
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumExa CardNot disclosed
- Top cashback plan
- Nexo CardPlatinum: 2%Exa CardNot disclosed
Everyday use
8 fields- Network
- Nexo CardMastercardExa CardVisa
- Card formats
- Nexo CardVirtual, PhysicalExa CardVirtual
- ATM withdrawals
- Nexo CardAvailableExa CardAvailable
- Mobile wallets
- Nexo CardApple Pay, Google PayExa CardApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebExa CardiOS, Android, Web
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionExa CardDynamic / collateral-based; exact Exa App limit shown in app
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthExa CardDynamic / collateral-based; exact Exa App limit shown in app
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthExa Card$250/withdrawal; $1000/day
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedExa CardOptimism
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Exa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETH
- Fiat deposits
- Nexo CardNexo account bank depositExa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency deposit
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalExa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
- Payout currencies
- Nexo CardEUR, GBP, USDExa CardUSD, EUR
Rewards
3 fields- Base cashback
- Nexo Card0.5%Exa Card0%
- Max cashback
- Nexo Card2%Exa Card0%
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackExa CardNo cashback
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYExa CardUp to 0.99776% APY
- How it works
- Nexo CardEarn on spending balanceExa CardEarn on spending balance, Borrow against collateral
- Separate deposit
- Nexo CardNot disclosedExa CardNo
- Use balance for spending
- Nexo CardYesExa CardYes
- Lock-up
- Nexo CardNoExa CardNo
Trust & availability
6 fields- Custody
- Nexo CardCustodialExa CardSelf-custody
- Control until payment
- Nexo CardProvider controls fundsExa CardYou keep control
- Card issuer
- Nexo CardDiPocket UABExa CardThird National Bank, Third National
- Card processing
- Nexo CardNot disclosedExa CardExa Labs SAS
- Deposits & withdrawals
- Nexo CardNot disclosedExa CardBridge, Manteca
- Programme operator
- Nexo CardNexo Services Sp. z o.o.Exa CardExa Labs SAS
Sources
2 fields- Official sources
- Nexo Card13Exa Card31
- Last reviewed
- Nexo CardAug 5, 2026Exa CardAug 23, 2026
04 · The trade-off
Exa Card is the stronger all-round choice
Exa Card finishes ahead with an Overall Score of 66 versus 65 for Nexo Card. Exa Card has the lower published FX fee (1.5% vs 0.2–2.5%). Nexo Card has the higher published base cashback rate (0.5% vs 0%).
Nexo Card still comes out ahead for Cashback and Travel, which may matter more than the overall result if that is how you plan to use the card. Nexo Card uses a custodial balance setup, while Exa Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. 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 Exa Card reviews first.
Continue with
Nexo Card
Continue with
Exa Card
05 · Common questions
Nexo vs Exa FAQ
Is Nexo or Exa better overall?
Exa Card has the higher Overall Score (66 vs 65). 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 Exa?
Exa Card has the lower published FX fee (1.5% 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 Exa?
Nexo Card has the higher published base cashback rate (0.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Nexo and Exa differ on custody?
Nexo Card uses a custodial balance setup, while Exa Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Nexo vs Exa comparison?
The latest information check for these two cards was August 23, 2026, using 44 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.