NexoNexo
65
Side-by-side card comparison
Nexo vs Pionex: overall score versus use-case fit
Nexo Card has the higher Overall Score by 8 points (65 vs 57). Nexo Card looks stronger for Travel, Funds control, and Transfers, while Pionex Card comes out ahead for Cashback and Lowest fees.
Information checked Aug 14, 202672 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. Pionex Card may be the better fit for Cashback and Lowest fees. 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.
OverallNexo65Pionex57Higher score
CashbackNexo41Pionex52Higher score
TravelNexo65Pionex29Higher score
Funds controlNexo52Pionex43Higher score
Lowest feesNexo57Pionex58Higher score
TransfersNexo91Pionex79Higher score
Choose Nexo Card if travel and funds control matter most
Nexo Card comes out ahead for Travel, Funds control, 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 Pionex Card if cashback and lowest fees matter most
Pionex Card comes out ahead for Cashback and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Visa and Mastercard options
- 0.1%-1% cashback in USDT
- Pionex account funding and payouts
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
- Nexo65Pionex57
Nexo Card has the higher Overall Score by 8 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXPionex$0 plan · Not disclosed FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Nexo0.5% base · up to 2%Pionex0.1% base · up to 1%
Nexo Card has the higher published base cashback rate (0.5% vs 0.1%).
- Funds control
- NexoCustodial balancePionexCustodial balance
Nexo Card and Pionex Card use the same custodial balance setup.
- Everyday access
- NexoVirtual + Physical · Apple Pay, Google PayPionexVirtual · 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 withdrawalPionex1 stablecoin · Stablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
Nexo Card lists more stablecoins and ways to send money out (5 vs 4).
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
- 0.1%-1%
- Plan cost
- $0
- FX fee
- Not disclosed
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
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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 CardOverall65Pionex CardOverall57
Nexo CardOverall65Pionex CardOverall57Scores
6 fields- Overall Score
- Nexo Card65Pionex Card57
- Cashback score
- Nexo Card41Pionex Card52
- Travel score
- Nexo Card65Pionex Card29
- Funds control score
- Nexo Card52Pionex Card43
- Lowest fees score
- Nexo Card57Pionex Card58
- Transfers score
- Nexo Card91Pionex Card79
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feePionex CardVisa and Mastercard options, 0.1%-1% cashback in USDT
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskPionex CardMastercard can cost up to 3.5%, General access is virtual-only
Costs
7 fields- Plan cost
- Nexo Card$0Pionex Card$0
- FX fee
- Nexo Card0.2–2.5%Pionex CardNot disclosed
- Top-up fee
- Nexo CardNot disclosedPionex CardNot disclosed
- Card spending fee
- Nexo CardNot disclosedPionex Card3.5%
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPPionex CardNot available
- Virtual card
- Nexo CardAvailable from $50 account balancePionex CardAvailable
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierPionex CardNot available
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumPionex Card2 plans: Mastercard, Visa
- Top cashback plan
- Nexo CardPlatinum: 2%Pionex CardVisa: 1%
Everyday use
8 fields- Network
- Nexo CardMastercardPionex CardVisa/Mastercard
- Card formats
- Nexo CardVirtual, PhysicalPionex CardVirtual
- ATM withdrawals
- Nexo CardAvailablePionex CardNot available
- Mobile wallets
- Nexo CardApple Pay, Google PayPionex CardApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebPionex CardNot disclosed
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionPionex Card$10,000-$20,000/day; $10,000-$20,000/transaction depending on network
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthPionex Card$50,000-$100,000/month depending on network
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthPionex CardNot available
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedPionex CardNot disclosed
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Pionex CardOther crypto: Supported crypto
- Fiat deposits
- Nexo CardNexo account bank depositPionex CardNot disclosed
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalPionex CardStablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
- Payout currencies
- Nexo CardEUR, GBP, USDPionex CardNot disclosed
Rewards
3 fields- Base cashback
- Nexo Card0.5%Pionex Card0.1%
- Max cashback
- Nexo Card2%Pionex Card1%
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackPionex CardUSDT
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYPionex CardUp to 5% APY
- How it works
- Nexo CardEarn on spending balancePionex CardEarn on spending balance
- Separate deposit
- Nexo CardNot disclosedPionex CardNo
- Use balance for spending
- Nexo CardYesPionex CardYes
- Lock-up
- Nexo CardNoPionex CardNo
Trust & availability
4 fields- Custody
- Nexo CardCustodialPionex CardCustodial
- Control until payment
- Nexo CardProvider controls fundsPionex CardProvider controls funds
- Card issuer
- Nexo CardDiPocket UABPionex CardNot disclosed
- Programme operator
- Nexo CardNexo Services Sp. z o.o.Pionex CardNot disclosed
Sources
2 fields- Official sources
- Nexo Card13Pionex Card59
- Last reviewed
- Nexo CardAug 5, 2026Pionex CardAug 14, 2026
04 · The trade-off
Nexo Card is the stronger all-round choice
Nexo Card finishes ahead with an Overall Score of 65 versus 57 for Pionex Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Nexo Card has the higher published base cashback rate (0.5% vs 0.1%).
Pionex Card still comes out ahead for Cashback and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Nexo Card and Pionex Card use the same custodial balance setup.
Nexo Card lists more stablecoins and ways to send money out (5 vs 4). 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 Pionex Card reviews first.
Continue with
Nexo Card
Continue with
Pionex Card
05 · Common questions
Nexo vs Pionex FAQ
Is Nexo or Pionex better overall?
Nexo Card has the higher Overall Score (65 vs 57). 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 Pionex?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 Pionex?
Nexo Card has the higher published base cashback rate (0.5% vs 0.1%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Nexo and Pionex differ on custody?
Nexo Card and Pionex Card use the same custodial balance setup.
How current is this Nexo vs Pionex comparison?
The latest information check for these two cards was August 14, 2026, using 72 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.