NexoNexo
66
Side-by-side card comparison
Nexo vs MPChat: where the score gap comes from
Nexo Card has the higher Overall Score by 14 points (66 vs 52). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 23, 202644 official sources reviewed
01 · Where the gap opens
Nexo Card is the better all-round starting point
Nexo Card has the higher Overall Score in this comparison. MPChat 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.
OverallNexo66MPChat52Higher score
CashbackNexo41MPChat18Compare the details below
TravelNexo65MPChat72Compare the details below
Funds controlNexo52MPChat41Compare the details below
Lowest feesNexo57MPChat60Compare the details below
TransfersNexo91MPChat58Compare the details below
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. Read the side-by-side details before deciding.
- Choose debit spend or credit-line use
- No base monthly or annual card fee
- Virtual card works with phone wallets
Choose MPChat Card if its day-to-day setup suits you
MPChat 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. Read the side-by-side details before deciding.
- Virtual and physical options
- No monthly card fee
- USDT funding on Tron
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Nexo66MPChat52
Nexo Card has the higher Overall Score by 14 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXMPChat$0 plan · 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate FX
MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate vs 0.2–2.5%).
- Purchase rewards
- Nexo0.5% base · up to 2%MPChatNot disclosed
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- NexoCustodial balanceMPChatCustodial balance
Nexo Card and MPChat Card use the same custodial balance setup.
- Everyday access
- NexoVirtual + Physical · Apple Pay, Google PayMPChatVirtual + Physical · 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 withdrawalMPChat1 stablecoin · Stablecoin transfers
Nexo Card lists more stablecoins and ways to send money out (5 vs 2).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- 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
- Not disclosed
- Plan cost
- $0
- FX fee
- 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate
- ATM fee
- Boundless only: 2%, minimum $1; Cloud has no ATM access
- Card formats
- Virtual, Physical
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
Nexo Card
No active signup offer listed
We do not currently list an active signup offer for this card.
MPChat Card
5 USDT after first virtual card approval
First virtual card referral reward
- Download MPChat through the referral link.
- Enter coupon ID 76912265 during activation of your first virtual card.
- Complete application and card approval; the reward is credited to MPChat Pay after approval.
Coupon ID76912265
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsNexo CardOverall66MPChat CardOverall52
Nexo CardOverall66MPChat CardOverall52Scores
6 fields- Overall Score
- Nexo Card66MPChat Card52
- Cashback score
- Nexo Card41MPChat Card18
- Travel score
- Nexo Card65MPChat Card72
- Funds control score
- Nexo Card52MPChat Card41
- Lowest fees score
- Nexo Card57MPChat Card60
- Transfers score
- Nexo Card91MPChat Card58
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feeMPChat CardVirtual and physical options, No monthly card fee
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskMPChat CardPurchase fee on each spend, Effective conversion cost unclear
Costs
7 fields- Plan cost
- Nexo Card$0MPChat Card$0
- FX fee
- Nexo Card0.2–2.5%MPChat Card0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate
- Top-up fee
- Nexo CardNot disclosedMPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
- Card spending fee
- Nexo CardNot disclosedMPChat Card$0.15 + 0.8%
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPMPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM access
- Virtual card
- Nexo CardAvailable from $50 account balanceMPChat CardCloud: 10 USDT one time
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierMPChat CardBoundless: 100 USDT one time
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumMPChat Card2 plans: Cloud Card, Boundless Card
- Top cashback plan
- Nexo CardPlatinum: 2%MPChat CardNot disclosed
Everyday use
8 fields- Network
- Nexo CardMastercardMPChat CardVisa
- Card formats
- Nexo CardVirtual, PhysicalMPChat CardVirtual, Physical
- ATM withdrawals
- Nexo CardAvailableMPChat CardAvailable
- Mobile wallets
- Nexo CardApple Pay, Google PayMPChat CardGoogle Pay
- Apps
- Nexo CardiOS, Android, WebMPChat CardNot disclosed
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionMPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lower
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthMPChat CardUp to $1,000,000 per month; app limit may be lower
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthMPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthly
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedMPChat CardTron (TRC20)
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3MPChat CardStablecoins: USDT
- Fiat deposits
- Nexo CardNexo account bank depositMPChat CardNot disclosed
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalMPChat CardStablecoin transfers
- Payout currencies
- Nexo CardEUR, GBP, USDMPChat CardNot disclosed
Rewards
3 fields- Base cashback
- Nexo Card0.5%MPChat CardNot disclosed
- Max cashback
- Nexo Card2%MPChat CardNot disclosed
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackMPChat CardNot disclosed
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYMPChat CardNot offered
- How it works
- Nexo CardEarn on spending balanceMPChat CardNot offered
- Separate deposit
- Nexo CardNot disclosedMPChat CardNot offered
- Use balance for spending
- Nexo CardYesMPChat CardNot offered
- Lock-up
- Nexo CardNoMPChat CardNot offered
Trust & availability
4 fields- Custody
- Nexo CardCustodialMPChat CardCustodial
- Control until payment
- Nexo CardProvider controls fundsMPChat CardProvider controls funds
- Card issuer
- Nexo CardDiPocket UABMPChat CardNot disclosed
- Programme operator
- Nexo CardNexo Services Sp. z o.o.MPChat CardNot disclosed
Sources
2 fields- Official sources
- Nexo Card14MPChat Card30
- Last reviewed
- Nexo CardSep 2, 2026MPChat CardSep 23, 2026
04 · The verdict
Nexo Card is the stronger all-round choice
Nexo Card finishes ahead with an Overall Score of 66 versus 52 for MPChat Card. MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate vs 0.2–2.5%). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
MPChat Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Nexo Card and MPChat Card use the same custodial balance setup.
Nexo Card lists more stablecoins and ways to send money out (5 vs 2). 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 MPChat Card reviews first.
Continue with
Nexo Card
Continue with
MPChat Card
05 · Common questions
Nexo vs MPChat FAQ
Is Nexo or MPChat better overall?
Nexo Card has the higher Overall Score (66 vs 52). 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 MPChat?
MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate 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 MPChat?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Nexo and MPChat differ on custody?
Nexo Card and MPChat Card use the same custodial balance setup.
How current is this Nexo vs MPChat comparison?
The latest information check for these two cards was September 23, 2026, using 44 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.