NexoNexo
65
Side-by-side card comparison
Nexo vs Holyheld: overall score versus use-case fit
Holyheld Card has the higher Overall Score by 10 points (75 vs 65). Nexo Card looks stronger for Transfers, while Holyheld Card comes out ahead for Cashback, Travel, Funds control, and Lowest fees.
Information checked Aug 12, 202641 official sources reviewed
01 · Overall score versus use-case fit
Holyheld Card is the better all-round starting point
Holyheld 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.
OverallNexo65Holyheld75Higher score
CashbackNexo41Holyheld64Higher score
TravelNexo65Holyheld68Higher score
Funds controlNexo52Holyheld74Higher score
Lowest feesNexo57Holyheld67Higher score
TransfersNexo91Holyheld81Higher 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 Holyheld Card if cashback and travel matter most
Holyheld 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.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
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
- Nexo65Holyheld75
Holyheld Card has the higher Overall Score by 10 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXHolyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FX
Nexo Card has the lower published FX fee (0.2–2.5% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Nexo0.5% base · up to 2%Holyheld0.5% base · up to 1%
Both cards show the same base cashback rate of 0.5%.
- Funds control
- NexoCustodial balanceHolyheldHybrid custody
Nexo Card uses a custodial balance setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- NexoVirtual + Physical · Apple Pay, Google PayHolyheldVirtual + 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 withdrawalHolyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transfer
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
- 0.5%-1%
- Plan cost
- $0
- FX fee
- Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- ATM fee
- Up to EUR 2 + 2.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 3 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 CardOverall65Holyheld CardOverall75
Nexo CardOverall65Holyheld CardOverall75Scores
6 fields- Overall Score
- Nexo Card65Holyheld Card75
- Cashback score
- Nexo Card41Holyheld Card64
- Travel score
- Nexo Card65Holyheld Card68
- Funds control score
- Nexo Card52Holyheld Card74
- Lowest fees score
- Nexo Card57Holyheld Card67
- Transfers score
- Nexo Card91Holyheld Card81
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feeHolyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal Mastercard
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskHolyheld CardCountry eligibility is incomplete, Foreign spend can be expensive
Costs
7 fields- Plan cost
- Nexo Card$0Holyheld Card$0
- FX fee
- Nexo Card0.2–2.5%Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- Top-up fee
- Nexo CardNot disclosedHolyheld Card0%
- Card spending fee
- Nexo CardNot disclosedHolyheld Card€0.50
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPHolyheld CardUp to EUR 2 + 2.5%
- Virtual card
- Nexo CardAvailable from $50 account balanceHolyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual access
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierHolyheld CardClassic: EUR 29; Metal: EUR 199
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumHolyheld Card3 plans: Classic, Limited Edition, Metal
- Top cashback plan
- Nexo CardPlatinum: 2%Holyheld CardMetal: 1%
Everyday use
8 fields- Network
- Nexo CardMastercardHolyheld CardMastercard
- Card formats
- Nexo CardVirtual, PhysicalHolyheld CardVirtual, Physical
- ATM withdrawals
- Nexo CardAvailableHolyheld CardAvailable
- Mobile wallets
- Nexo CardApple Pay, Google PayHolyheld CardApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebHolyheld CardiOS, Android, Web
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionHolyheld CardEUR 10,000 daily
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthHolyheld CardEUR 25,000 monthly; EUR 250,000 annually
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthHolyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 days
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedHolyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Holyheld CardStablecoins: USDC, USDT
- Fiat deposits
- Nexo CardNexo account bank depositHolyheld CardPersonal EUR IBAN
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalHolyheld CardStablecoin transfers; Outgoing SEPA transfer
- Payout currencies
- Nexo CardEUR, GBP, USDHolyheld CardEUR
Rewards
3 fields- Base cashback
- Nexo Card0.5%Holyheld Card0.5%
- Max cashback
- Nexo Card2%Holyheld Card1%
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackHolyheld CardUSDC
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYHolyheld CardNot disclosed
- How it works
- Nexo CardEarn on spending balanceHolyheld CardOptional earn vault
- Separate deposit
- Nexo CardNot disclosedHolyheld CardYes
- Use balance for spending
- Nexo CardYesHolyheld CardNot disclosed
- Lock-up
- Nexo CardNoHolyheld CardNo
Trust & availability
5 fields- Custody
- Nexo CardCustodialHolyheld CardHybrid custody
- Control until payment
- Nexo CardProvider controls fundsHolyheld CardProvider controls funds
- Card issuer
- Nexo CardDiPocket UABHolyheld CardUnlimit EU Ltd
- Identity verification
- Nexo CardNot disclosedHolyheld CardSumsub / Idenfy
- Programme operator
- Nexo CardNexo Services Sp. z o.o.Holyheld CardHolyheld Labs AG
Sources
2 fields- Official sources
- Nexo Card13Holyheld Card28
- Last reviewed
- Nexo CardAug 5, 2026Holyheld CardAug 12, 2026
04 · The trade-off
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 65 for Nexo Card. Nexo Card has the lower published FX fee (0.2–2.5% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Both cards show the same base cashback rate of 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 uses a custodial balance setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
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 Holyheld Card reviews first.
Continue with
Nexo Card
Continue with
Holyheld Card
05 · Common questions
Nexo vs Holyheld FAQ
Is Nexo or Holyheld better overall?
Holyheld Card has the higher Overall Score (75 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 Holyheld?
Nexo Card has the lower published FX fee (0.2–2.5% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). 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 Holyheld?
Both cards show the same base cashback rate of 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 Holyheld differ on custody?
Nexo Card uses a custodial balance setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Nexo vs Holyheld comparison?
The latest information check for these two cards was August 12, 2026, using 41 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.