NexoNexo
65
Side-by-side card comparison
Nexo vs Kolo: fees, rewards and account setup
Kolo Card has the higher Overall Score by 8 points (73 vs 65). Kolo Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Nexo Card may still be the better personal fit.
Information checked Aug 28, 202641 official sources reviewed
01 · Make the first cut
Kolo Card is the better all-round starting point
Kolo Card has the higher Overall Score in this comparison. Nexo Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallNexo65Kolo73Higher score
CashbackNexo41Kolo54Higher score
TravelNexo65Kolo70Higher score
Funds controlNexo52Kolo56Higher score
Lowest feesNexo57Kolo83Higher score
TransfersNexo91Kolo92Higher score
Choose Nexo Card if its day-to-day setup suits you
Nexo Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Choose debit spend or credit-line use
- No base monthly or annual card fee
- Virtual card works with phone wallets
Choose Kolo Card if cashback and travel matter most
Kolo Card comes out ahead for Cashback, Travel, 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.
- Free virtual Visa Platinum
- 2% BTC cashback for 30 days
- Several withdrawal routes
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Nexo65Kolo73
Kolo Card has the higher Overall Score by 8 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXKolo$0 plan · 1% FX
Kolo Card has the lower published FX fee (1% vs 0.2–2.5%).
- Purchase rewards
- Nexo0.5% base · up to 2%Kolo1% base · up to 2%
Kolo Card has the higher published base cashback rate (1% vs 0.5%).
- Funds control
- NexoCustodial balanceKoloCustodial balance
Nexo Card and Kolo Card use the same custodial balance setup.
- Everyday access
- NexoVirtual + Physical · Apple Pay, Google PayKoloVirtual · 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 withdrawalKolo5 stablecoins · Stablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
Kolo Card lists more stablecoins and ways to send money out (10 vs 5).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- 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%-2%
- Plan cost
- $0
- FX fee
- 1%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 20 crypto · 0 fiat
- Payout methods
- 20 crypto · 1 fiat
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsNexo CardOverall65Kolo CardOverall73
Nexo CardOverall65Kolo CardOverall73Scores
6 fields- Overall Score
- Nexo Card65Kolo Card73
- Cashback score
- Nexo Card41Kolo Card54
- Travel score
- Nexo Card65Kolo Card70
- Funds control score
- Nexo Card52Kolo Card56
- Lowest fees score
- Nexo Card57Kolo Card83
- Transfers score
- Nexo Card91Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feeKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskKolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- Nexo Card$0Kolo Card$0
- FX fee
- Nexo Card0.2–2.5%Kolo Card1%
- Top-up fee
- Nexo CardNot disclosedKolo Card0%
- Card spending fee
- Nexo CardNot disclosedKolo CardNot disclosed
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPKolo Card$1 + 0.65%
- Virtual card
- Nexo CardAvailable from $50 account balanceKolo CardFree
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierKolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumKolo CardNot disclosed
- Top cashback plan
- Nexo CardPlatinum: 2%Kolo CardNot disclosed
Everyday use
8 fields- Network
- Nexo CardMastercardKolo CardVisa
- Card formats
- Nexo CardVirtual, PhysicalKolo CardVirtual
- ATM withdrawals
- Nexo CardAvailableKolo CardAvailable
- Mobile wallets
- Nexo CardApple Pay, Google PayKolo CardApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebKolo CardiOS, Android
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionKolo Card$9,000/day
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthKolo Card$9,000/month
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthKolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedKolo CardNot disclosed
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Kolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- Nexo CardNexo account bank depositKolo CardNot disclosed
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- Nexo CardEUR, GBP, USDKolo CardEUR
Rewards
3 fields- Base cashback
- Nexo Card0.5%Kolo Card1%
- Max cashback
- Nexo Card2%Kolo Card2%
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackKolo CardBTC cashback
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYKolo CardNot offered
- How it works
- Nexo CardEarn on spending balanceKolo CardNot offered
- Separate deposit
- Nexo CardNot disclosedKolo CardNot offered
- Use balance for spending
- Nexo CardYesKolo CardNot offered
- Lock-up
- Nexo CardNoKolo CardNot offered
Trust & availability
5 fields- Custody
- Nexo CardCustodialKolo CardCustodial
- Control until payment
- Nexo CardProvider controls fundsKolo CardProvider controls funds
- Card issuer
- Nexo CardDiPocket UABKolo CardBanco Popular de Puerto Rico, Wirex Limited
- Identity verification
- Nexo CardNot disclosedKolo CardSumSub
- Programme operator
- Nexo CardNexo Services Sp. z o.o.Kolo CardHardline Holding Limited
Sources
2 fields- Official sources
- Nexo Card13Kolo Card28
- Last reviewed
- Nexo CardAug 5, 2026Kolo CardAug 28, 2026
04 · The takeaway
Kolo Card is the stronger all-round choice
Kolo Card finishes ahead with an Overall Score of 73 versus 65 for Nexo Card. Kolo Card has the lower published FX fee (1% vs 0.2–2.5%). Kolo Card has the higher published base cashback rate (1% vs 0.5%).
Nexo Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Nexo Card and Kolo Card use the same custodial balance setup.
Kolo Card lists more stablecoins and ways to send money out (10 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 Kolo Card reviews first.
Continue with
Nexo Card
Continue with
Kolo Card
05 · Common questions
Nexo vs Kolo FAQ
Is Nexo or Kolo better overall?
Kolo Card has the higher Overall Score (73 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 Kolo?
Kolo Card has the lower published FX fee (1% 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 Kolo?
Kolo 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 Kolo differ on custody?
Nexo Card and Kolo Card use the same custodial balance setup.
How current is this Nexo vs Kolo comparison?
The latest information check for these two cards was August 28, 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.