NexoNexo
65
Side-by-side card comparison
Nexo vs Krak: overall score versus use-case fit
Krak Card has the higher Overall Score by 9 points (74 vs 65). Nexo Card looks stronger for Cashback, while Krak Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Aug 27, 202639 official sources reviewed
01 · Overall score versus use-case fit
Krak Card is the better all-round starting point
Krak Card has the higher Overall Score in this comparison. Nexo Card may be the better fit for Cashback. 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.
OverallNexo65Krak74Higher score
CashbackNexo41Krak40Higher score
TravelNexo65Krak83Higher score
Funds controlNexo52Krak56Higher score
Lowest feesNexo57Krak72Higher score
TransfersNexo91Krak97Higher score
Choose Nexo Card if cashback matters most
Nexo Card comes out ahead for Cashback 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 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%
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
- Nexo65Krak74
Krak Card has the higher Overall Score by 9 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 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%-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
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 CardOverall65Krak CardOverall74
Nexo CardOverall65Krak CardOverall74Scores
6 fields- Overall Score
- Nexo Card65Krak Card74
- Cashback score
- Nexo Card41Krak Card40
- 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 Card13Krak Card26
- Last reviewed
- Nexo CardAug 5, 2026Krak CardAug 27, 2026
04 · The trade-off
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 65 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 still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. 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 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 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 August 27, 2026, using 39 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.