NexoNexo
65
Side-by-side card comparison
Nexo vs Payy: overall score versus use-case fit
Nexo Card has the higher Overall Score by 3 points (65 vs 62). Nexo Card looks stronger for Cashback, Travel, and Transfers, while Payy Card comes out ahead for Funds control.
Information checked Aug 5, 202618 official sources reviewed
01 · Overall score versus use-case fit
Nexo Card is the better all-round starting point
Nexo Card has the higher Overall Score in this comparison. Payy Card may be the better fit for Funds control. 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.
OverallNexo65Payy62Higher score
CashbackNexo41Payy17Higher score
TravelNexo65Payy27Higher score
Funds controlNexo52Payy97Higher score
Lowest feesNexo57Payy57Same score
TransfersNexo91Payy68Higher score
Choose Nexo Card if cashback and travel matter most
Nexo Card comes out ahead for Cashback, Travel, 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 Payy Card if funds control matters most
Payy Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody wallet control
- No monthly or transaction fee
- Instant virtual Visa with phone wallets
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
- Nexo65Payy62
Nexo Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXPayy$0 plan · 1–3% FX
Nexo Card has the lower published FX fee (0.2–2.5% vs 1–3%).
- Purchase rewards
- Nexo0.5% base · up to 2%Payy0% cashback
Nexo Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- NexoCustodial balancePayySelf-controlled wallet
Nexo Card uses a custodial balance setup, while Payy Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- NexoVirtual + Physical · Apple Pay, Google PayPayyVirtual · 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 withdrawalPayy1 stablecoin · Stablecoin transfers; Payy payment links
Nexo Card lists more stablecoins and ways to send money out (5 vs 3).
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%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 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 CardOverall65Payy CardOverall62
Nexo CardOverall65Payy CardOverall62Scores
6 fields- Overall Score
- Nexo Card65Payy Card62
- Cashback score
- Nexo Card41Payy Card17
- Travel score
- Nexo Card65Payy Card27
- Funds control score
- Nexo Card52Payy Card97
- Lowest fees score
- Nexo Card57Payy Card57
- Transfers score
- Nexo Card91Payy Card68
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feePayy CardSelf-custody wallet control, No monthly or transaction fee
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskPayy CardFX can reach 3%, Cash and physical access are constrained
Costs
7 fields- Plan cost
- Nexo Card$0Payy Card$0
- FX fee
- Nexo Card0.2–2.5%Payy Card1–3%
- Top-up fee
- Nexo CardNot disclosedPayy Card0%
- Card spending fee
- Nexo CardNot disclosedPayy Card0%
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPPayy CardNot available
- Virtual card
- Nexo CardAvailable from $50 account balancePayy CardFree; instant after KYC
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierPayy CardNot disclosed
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumPayy CardNot disclosed
- Top cashback plan
- Nexo CardPlatinum: 2%Payy CardNot disclosed
Everyday use
8 fields- Network
- Nexo CardMastercardPayy CardVisa/Other network
- Card formats
- Nexo CardVirtual, PhysicalPayy CardVirtual
- ATM withdrawals
- Nexo CardAvailablePayy CardNot available
- Mobile wallets
- Nexo CardApple Pay, Google PayPayy CardApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebPayy CardiOS, Android
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionPayy CardNot disclosed
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthPayy CardNot disclosed
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthPayy CardNot disclosed
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedPayy CardPolygon, Payy Network
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Payy CardStablecoins: USDC
- Fiat deposits
- Nexo CardNexo account bank depositPayy CardBank-account deposit
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalPayy CardStablecoin transfers; Payy payment links
- Payout currencies
- Nexo CardEUR, GBP, USDPayy CardNot disclosed
Rewards
3 fields- Base cashback
- Nexo Card0.5%Payy Card0%
- Max cashback
- Nexo Card2%Payy Card0%
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackPayy CardNo cashback
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYPayy CardNot offered
- How it works
- Nexo CardEarn on spending balancePayy CardNot offered
- Separate deposit
- Nexo CardNot disclosedPayy CardNot offered
- Use balance for spending
- Nexo CardYesPayy CardNot offered
- Lock-up
- Nexo CardNoPayy CardNot offered
Trust & availability
5 fields- Custody
- Nexo CardCustodialPayy CardSelf-custody
- Control until payment
- Nexo CardProvider controls fundsPayy CardYou keep control
- Card issuer
- Nexo CardDiPocket UABPayy CardThird National / Rain
- Card processing
- Nexo CardNot disclosedPayy CardRain
- Programme operator
- Nexo CardNexo Services Sp. z o.o.Payy CardNot disclosed
Sources
2 fields- Official sources
- Nexo Card13Payy Card5
- Last reviewed
- Nexo CardAug 5, 2026Payy CardAug 5, 2026
04 · The trade-off
Nexo Card is the stronger all-round choice
Nexo Card finishes ahead with an Overall Score of 65 versus 62 for Payy Card. Nexo Card has the lower published FX fee (0.2–2.5% vs 1–3%). Nexo Card has the higher published base cashback rate (0.5% vs 0%).
Payy Card still comes out ahead for Funds control, 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 Payy Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Nexo Card lists more stablecoins and ways to send money out (5 vs 3). 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 Payy Card reviews first.
Continue with
Nexo Card
Continue with
Payy Card
05 · Common questions
Nexo vs Payy FAQ
Is Nexo or Payy better overall?
Nexo Card has the higher Overall Score (65 vs 62). 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 Payy?
Nexo Card has the lower published FX fee (0.2–2.5% vs 1–3%). 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 Payy?
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 Payy differ on custody?
Nexo Card uses a custodial balance setup, while Payy Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Nexo vs Payy comparison?
The latest information check for these two cards was August 5, 2026, using 18 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.