NexoNexo
66
Side-by-side card comparison
Nexo vs Krak: fees, rewards and account setup
Krak Card has the higher Overall Score by 8 points (74 vs 66). Krak Card also looks stronger for Travel, Funds control, Lowest fees, and Transfers. The details below show where Nexo Card may still be the better personal fit.
Information checked Sep 2, 202640 official sources reviewed
01 · Make the first cut
Krak Card is the better all-round starting point
Krak 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.
OverallNexo66Krak74Higher score
CashbackNexo41Krak41Same score
TravelNexo65Krak83Higher score
Funds controlNexo52Krak56Higher score
Lowest feesNexo57Krak72Higher score
TransfersNexo91Krak97Higher 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 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 Krak Card if travel and funds control matter most
Krak Card comes out ahead for 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.
- No monthly, FX or Krak ATM fee
- Both card formats and phone wallets
- Automatic cashback up to 2%
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
- Nexo66Krak74
Krak Card has the higher Overall Score by 8 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXKrak$0 plan · 0–1% FX
Krak Card has the lower published FX fee (0–1% vs 0.2–2.5%).
- Purchase rewards
- Nexo0.5% base · up to 2%Krak0% base · up to 2%
Nexo Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- NexoCustodial balanceKrakCustodial balance
Nexo Card and Krak Card use the same custodial balance setup.
- Everyday access
- NexoVirtual + Physical · Apple Pay, Google PayKrakVirtual + 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 withdrawalKrak0 stablecoins · Stablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPA
Both cards list the same number of stablecoins and ways to send money out.
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
- 0%-2%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0% Krak fee; ATM operator may charge
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 3 fiat
- Payout methods
- 1 crypto · 2 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 CardOverall66Krak CardOverall74
Nexo CardOverall66Krak CardOverall74Scores
6 fields- Overall Score
- Nexo Card66Krak Card74
- Cashback score
- Nexo Card41Krak Card41
- Travel score
- Nexo Card65Krak Card83
- Funds control score
- Nexo Card52Krak Card56
- Lowest fees score
- Nexo Card57Krak Card72
- Transfers score
- Nexo Card91Krak Card97
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feeKrak CardNo monthly, FX or Krak ATM fee, Both card formats and phone wallets
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskKrak CardCrypto conversion spread is variable, The 2% tier needs a large balance
Costs
7 fields- Plan cost
- Nexo Card$0Krak Card$0
- FX fee
- Nexo Card0.2–2.5%Krak Card0–1%
- Top-up fee
- Nexo CardNot disclosedKrak CardNot disclosed
- Card spending fee
- Nexo CardNot disclosedKrak Card0%
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPKrak Card0% Krak fee; ATM operator may charge
- Virtual card
- Nexo CardAvailable from $50 account balanceKrak CardFree
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierKrak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumKrak Card5 plans: Starter, Lite, Pro, Elite +1
- Top cashback plan
- Nexo CardPlatinum: 2%Krak CardMax: 2%
Everyday use
8 fields- Network
- Nexo CardMastercardKrak CardMastercard/Visa
- Card formats
- Nexo CardVirtual, PhysicalKrak CardVirtual, Physical
- ATM withdrawals
- Nexo CardAvailableKrak CardAvailable
- Mobile wallets
- Nexo CardApple Pay, Google PayKrak CardApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebKrak CardiOS, Android
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionKrak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/day
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthKrak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/month
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthKrak CardUK: £250/withdrawal, £750/day, £4,000/month; EEA: €300/withdrawal, €900/day, €4,800/month; US: $250/withdrawal, $1,000/day, $5,000/month
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedKrak CardNot disclosed
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Krak CardOther crypto: Supported crypto
- Fiat deposits
- Nexo CardNexo account bank depositKrak CardGBP bank transfer, EUR bank transfer, USD bank transfer
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalKrak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPA
- Payout currencies
- Nexo CardEUR, GBP, USDKrak CardGBP, EUR
Rewards
3 fields- Base cashback
- Nexo Card0.5%Krak Card0%
- Max cashback
- Nexo Card2%Krak Card2%
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackKrak CardGBP, EUR, USD or BTC
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYKrak CardUp to 3.6% APY
- How it works
- Nexo CardEarn on spending balanceKrak CardOptional earn vault
- Separate deposit
- Nexo CardNot disclosedKrak CardYes
- Use balance for spending
- Nexo CardYesKrak CardNo
- Lock-up
- Nexo CardNoKrak CardNot disclosed
Trust & availability
5 fields- Custody
- Nexo CardCustodialKrak CardCustodial
- Control until payment
- Nexo CardProvider controls fundsKrak CardProvider controls funds
- Card issuer
- Nexo CardDiPocket UABKrak CardMonavate Limited, Lead Bank, UAB Monavate
- Card processing
- Nexo CardNot disclosedKrak CardStripe
- Programme operator
- Nexo CardNexo Services Sp. z o.o.Krak CardPayward Wallet, Inc.
Sources
2 fields- Official sources
- Nexo Card14Krak Card26
- Last reviewed
- Nexo CardSep 2, 2026Krak CardAug 27, 2026
04 · The takeaway
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 66 for Nexo Card. Krak Card has the lower published FX fee (0–1% vs 0.2–2.5%). Nexo Card has the higher published base cashback rate (0.5% vs 0%).
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 Krak Card use the same custodial balance setup.
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 Krak Card reviews first.
Continue with
Nexo Card
Continue with
Krak Card
05 · Common questions
Nexo vs Krak FAQ
Is Nexo or Krak better overall?
Krak Card has the higher Overall Score (74 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 Krak?
Krak Card has the lower published FX fee (0–1% 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 Krak?
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 Krak differ on custody?
Nexo Card and Krak Card use the same custodial balance setup.
How current is this Nexo vs Krak comparison?
The latest information check for these two cards was September 2, 2026, using 40 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.