NexoNexo
65
Side-by-side card comparison
Nexo vs Oobit: overall score versus use-case fit
Oobit Card has the higher Overall Score by 7 points (72 vs 65). Nexo Card looks stronger for Travel, Lowest fees, and Transfers, while Oobit Card comes out ahead for Cashback and Funds control.
Information checked Aug 12, 202629 official sources reviewed
01 · Overall score versus use-case fit
Oobit Card is the better all-round starting point
Oobit Card has the higher Overall Score in this comparison. Nexo Card may be the better fit for Travel, Lowest fees, and Transfers. 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.
OverallNexo65Oobit72Higher score
CashbackNexo41Oobit68Higher score
TravelNexo65Oobit45Higher score
Funds controlNexo52Oobit77Higher score
Lowest feesNexo57Oobit51Higher score
TransfersNexo91Oobit64Higher score
Choose Nexo Card if travel and lowest fees matter most
Nexo Card comes out ahead for 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 Oobit Card if cashback and funds control matter most
Oobit Card comes out ahead for Cashback and Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Connected-wallet spending
- Phone wallets and contactless ATM
- Stablecoin cashback and points
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
- Nexo65Oobit72
Oobit Card has the higher Overall Score by 7 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXOobit$0 plan · 3% FX
Nexo Card has the lower published FX fee (0.2–2.5% vs 3%).
- Purchase rewards
- Nexo0.5% base · up to 2%Oobit5% base · up to 10%
Oobit Card has the higher published base cashback rate (5% vs 0.5%).
- Funds control
- NexoCustodial balanceOobitHybrid custody
Nexo Card uses a custodial balance setup, while Oobit Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- NexoVirtual + Physical · Apple Pay, Google PayOobitVirtual · 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 withdrawalOobit4 stablecoins · Oobit Pay Friends; Crypto-to-bank payout
Oobit 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
- 5%-10%
- Plan cost
- $0
- FX fee
- 3%
- ATM fee
- 2.5% Oobit fee plus any contactless ATM operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 12 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 CardOverall65Oobit CardOverall72
Nexo CardOverall65Oobit CardOverall72Scores
6 fields- Overall Score
- Nexo Card65Oobit Card72
- Cashback score
- Nexo Card41Oobit Card68
- Travel score
- Nexo Card65Oobit Card45
- Funds control score
- Nexo Card52Oobit Card77
- Lowest fees score
- Nexo Card57Oobit Card51
- Transfers score
- Nexo Card91Oobit Card64
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feeOobit CardConnected-wallet spending, Phone wallets and contactless ATM
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskOobit CardEvery payment carries a provider fee, Physical card is unclear
Costs
7 fields- Plan cost
- Nexo Card$0Oobit Card$0
- FX fee
- Nexo Card0.2–2.5%Oobit Card3%
- Top-up fee
- Nexo CardNot disclosedOobit CardConnected-wallet spending needs no prefunding; account-balance top-up pricing varies by route
- Card spending fee
- Nexo CardNot disclosedOobit Card$0.25 + 1%
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPOobit Card2.5% Oobit fee plus any contactless ATM operator surcharge
- Virtual card
- Nexo CardAvailable from $50 account balanceOobit CardFree
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierOobit CardNot disclosed
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumOobit CardNot disclosed
- Top cashback plan
- Nexo CardPlatinum: 2%Oobit CardNot disclosed
Everyday use
8 fields- Network
- Nexo CardMastercardOobit CardVisa
- Card formats
- Nexo CardVirtual, PhysicalOobit CardVirtual
- ATM withdrawals
- Nexo CardAvailableOobit CardAvailable
- Mobile wallets
- Nexo CardApple Pay, Google PayOobit CardApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebOobit CardiOS, Android
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionOobit Card$10,000 daily card-spend limit; account-specific controls may be lower
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthOobit CardNo universal monthly card-spend limit published
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthOobit Card$250 maximum per contactless ATM withdrawal; up to three attempts per rolling 24 hours
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedOobit CardEthereum, BNB Smart Chain, Solana, Polygon, Optimism, Arbitrum
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Oobit CardNot disclosed
- Fiat deposits
- Nexo CardNexo account bank depositOobit CardNot disclosed
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalOobit CardOobit Pay Friends; Crypto-to-bank payout
- Payout currencies
- Nexo CardEUR, GBP, USDOobit CardUSD, EUR, GBP, INR, TRY, NGN, IDR, PHP +4
Rewards
3 fields- Base cashback
- Nexo Card0.5%Oobit Card5%
- Max cashback
- Nexo Card2%Oobit Card10%
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackOobit CardStablecoin rewards or OOB token
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYOobit CardNot offered
- How it works
- Nexo CardEarn on spending balanceOobit CardNot offered
- Separate deposit
- Nexo CardNot disclosedOobit CardNot offered
- Use balance for spending
- Nexo CardYesOobit CardNot offered
- Lock-up
- Nexo CardNoOobit CardNot offered
Trust & availability
4 fields- Custody
- Nexo CardCustodialOobit CardHybrid custody
- Control until payment
- Nexo CardProvider controls fundsOobit CardYou keep control
- Card issuer
- Nexo CardDiPocket UABOobit CardThirdNational
- Programme operator
- Nexo CardNexo Services Sp. z o.o.Oobit CardNot disclosed
Sources
2 fields- Official sources
- Nexo Card13Oobit Card16
- Last reviewed
- Nexo CardAug 5, 2026Oobit CardAug 12, 2026
04 · The trade-off
Oobit Card is the stronger all-round choice
Oobit Card finishes ahead with an Overall Score of 72 versus 65 for Nexo Card. Nexo Card has the lower published FX fee (0.2–2.5% vs 3%). Oobit Card has the higher published base cashback rate (5% vs 0.5%).
Nexo Card still comes out ahead for Travel, Lowest fees, and Transfers, 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 Oobit Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Oobit 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 Oobit Card reviews first.
Continue with
Nexo Card
Continue with
Oobit Card
05 · Common questions
Nexo vs Oobit FAQ
Is Nexo or Oobit better overall?
Oobit Card has the higher Overall Score (72 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 Oobit?
Nexo Card has the lower published FX fee (0.2–2.5% vs 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 Oobit?
Oobit Card has the higher published base cashback rate (5% 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 Oobit differ on custody?
Nexo Card uses a custodial balance setup, while Oobit Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Nexo vs Oobit comparison?
The latest information check for these two cards was August 12, 2026, using 29 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.