NexoNexo
65
Side-by-side card comparison
Nexo vs Karta Personal: overall score versus use-case fit
Nexo Card has the higher Overall Score by 4 points (65 vs 61). Nexo Card looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Karta Personal Card comes out ahead for Funds control.
Information checked Aug 11, 202638 official sources reviewed
01 · Overall score versus use-case fit
Nexo Card is the better all-round starting point
Nexo Card has the higher Overall Score in this comparison. Karta Personal Card may be the better fit for Funds control. 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.
OverallNexo65Karta Personal61Higher score
CashbackNexo41Karta Personal14Higher score
TravelNexo65Karta Personal46Higher score
Funds controlNexo52Karta Personal92Higher score
Lowest feesNexo57Karta Personal53Higher score
TransfersNexo91Karta Personal90Higher score
Choose Nexo Card if cashback and travel matter most
Nexo Card comes out ahead for Cashback, Travel, 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.
- Choose debit spend or credit-line use
- No base monthly or annual card fee
- Virtual card works with phone wallets
Choose Karta Personal Card if funds control matters most
Karta Personal Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- USDT and USDC deposits across multiple networks
- Apple Pay, Google Pay and contactless ATM access
- Live multi-network crypto payouts
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
- Nexo65Karta Personal61
Nexo Card has the higher Overall Score by 4 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXKarta Personal$0 plan · 1–3% FX
Nexo Card has the lower published FX fee (0.2–2.5% vs 1–3%).
- Purchase rewards
- Nexo0.5% base · up to 2%Karta Personal0% cashback
Nexo Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- NexoCustodial balanceKarta PersonalSelf-controlled wallet
Nexo Card uses a custodial balance setup, while Karta Personal 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 PayKarta PersonalVirtual · 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 withdrawalKarta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payout
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 5).
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%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- USD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 5 crypto · 0 fiat
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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 CardOverall65Karta Personal CardOverall61
Nexo CardOverall65Karta Personal CardOverall61Scores
6 fields- Overall Score
- Nexo Card65Karta Personal Card61
- Cashback score
- Nexo Card41Karta Personal Card14
- Travel score
- Nexo Card65Karta Personal Card46
- Funds control score
- Nexo Card52Karta Personal Card92
- Lowest fees score
- Nexo Card57Karta Personal Card53
- Transfers score
- Nexo Card91Karta Personal Card90
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feeKarta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM access
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskKarta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surface
Costs
7 fields- Plan cost
- Nexo Card$0Karta Personal Card$0
- FX fee
- Nexo Card0.2–2.5%Karta Personal Card1–3%
- Top-up fee
- Nexo CardNot disclosedKarta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20
- Card spending fee
- Nexo CardNot disclosedKarta Personal Card1.5%
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPKarta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Virtual card
- Nexo CardAvailable from $50 account balanceKarta Personal Card5 USDT one-time
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierKarta Personal Card99 USDT plastic / 299 USDT Metal LED preorder
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumKarta Personal CardNot disclosed
- Top cashback plan
- Nexo CardPlatinum: 2%Karta Personal CardNot disclosed
Everyday use
8 fields- Network
- Nexo CardMastercardKarta Personal CardVisa
- Card formats
- Nexo CardVirtual, PhysicalKarta Personal CardVirtual
- ATM withdrawals
- Nexo CardAvailableKarta Personal CardAvailable
- Mobile wallets
- Nexo CardApple Pay, Google PayKarta Personal CardApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebKarta Personal CardNo app listed
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionKarta Personal Card$25,000 per transaction; no universal daily amount published
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthKarta Personal CardNot publicly disclosed; limits are dynamic
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthKarta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24h
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedKarta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Karta Personal CardStablecoins: USDT, USDC
- Fiat deposits
- Nexo CardNexo account bank depositKarta Personal CardBank deposits
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalKarta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payout
- Payout currencies
- Nexo CardEUR, GBP, USDKarta Personal CardNot disclosed
Rewards
3 fields- Base cashback
- Nexo Card0.5%Karta Personal Card0%
- Max cashback
- Nexo Card2%Karta Personal Card0%
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackKarta Personal CardNo cashback
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYKarta Personal CardNot offered
- How it works
- Nexo CardEarn on spending balanceKarta Personal CardNot offered
- Separate deposit
- Nexo CardNot disclosedKarta Personal CardNot offered
- Use balance for spending
- Nexo CardYesKarta Personal CardNot offered
- Lock-up
- Nexo CardNoKarta Personal CardNot offered
Trust & availability
6 fields- Custody
- Nexo CardCustodialKarta Personal CardSelf-custody
- Control until payment
- Nexo CardProvider controls fundsKarta Personal CardYou keep control
- Card issuer
- Nexo CardDiPocket UABKarta Personal CardNimbus LLC d/b/a Third National
- Custody / key management
- Nexo CardNot disclosedKarta Personal CardPrivy
- Identity verification
- Nexo CardNot disclosedKarta Personal CardSumsub
- Programme operator
- Nexo CardNexo Services Sp. z o.o.Karta Personal CardKarta Finance, Inc.
Sources
2 fields- Official sources
- Nexo Card13Karta Personal Card25
- Last reviewed
- Nexo CardAug 5, 2026Karta Personal CardAug 11, 2026
04 · The trade-off
Nexo Card is the stronger all-round choice
Nexo Card finishes ahead with an Overall Score of 65 versus 61 for Karta Personal Card. Nexo Card has the lower published FX fee (0.2–2.5% vs 1–3%). Nexo Card has the higher published base cashback rate (0.5% vs 0%).
Karta Personal Card still comes out ahead for Funds control, 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 Karta Personal Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 5). 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 Karta Personal Card reviews first.
Continue with
Nexo Card
Continue with
Karta Personal Card
05 · Common questions
Nexo vs Karta Personal FAQ
Is Nexo or Karta Personal better overall?
Nexo Card has the higher Overall Score (65 vs 61). 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 Karta Personal?
Nexo Card has the lower published FX fee (0.2–2.5% vs 1–3%). 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 Karta Personal?
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 Karta Personal differ on custody?
Nexo Card uses a custodial balance setup, while Karta Personal 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 Karta Personal comparison?
The latest information check for these two cards was August 11, 2026, using 38 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.