NexoNexo
65
Side-by-side card comparison
Nexo vs Plasma One: fees, rewards and account setup
Plasma One Card has the higher Overall Score by 22 points (87 vs 65). Plasma One Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Nexo Card may still be the better personal fit.
Information checked Aug 27, 202625 official sources reviewed
01 · Make the first cut
Plasma One Card is the better all-round starting point
Plasma One Card has the higher Overall Score in this comparison. Nexo 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.
OverallNexo65Plasma One87Higher score
CashbackNexo41Plasma One78Higher score
TravelNexo65Plasma One72Higher score
Funds controlNexo52Plasma One99Higher score
Lowest feesNexo57Plasma One80Higher score
TransfersNexo91Plasma One100Higher score
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. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Choose debit spend or credit-line use
- No base monthly or annual card fee
- Virtual card works with phone wallets
Choose Plasma One Card if cashback and travel matter most
Plasma One Card comes out ahead for Cashback, 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.
- Lite starts with 2% XPL cashback
- Higher tiers add bigger caps and perks
- Earn is separate from card cashback
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Nexo65Plasma One87
Plasma One Card has the higher Overall Score by 22 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXPlasma One$0 plan · 0–1% FX
Plasma One Card has the lower published FX fee (0–1% vs 0.2–2.5%).
- Purchase rewards
- Nexo0.5% base · up to 2%Plasma One2% base · up to 10%
Plasma One Card has the higher published base cashback rate (2% vs 0.5%).
- Funds control
- NexoCustodial balancePlasma OneSelf-controlled wallet
Nexo Card uses a custodial balance setup, while Plasma One 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 PayPlasma OneVirtual + 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 withdrawalPlasma One3 stablecoins · Stablecoin transfers; Plasma One usernames; Virtual account withdrawals
Plasma One Card lists more stablecoins and ways to send money out (6 vs 5).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- 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
- 2%-10%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 6 fiat
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsNexo CardOverall65Plasma One CardOverall87
Nexo CardOverall65Plasma One CardOverall87Scores
6 fields- Overall Score
- Nexo Card65Plasma One Card87
- Cashback score
- Nexo Card41Plasma One Card78
- Travel score
- Nexo Card65Plasma One Card72
- Funds control score
- Nexo Card52Plasma One Card99
- Lowest fees score
- Nexo Card57Plasma One Card80
- Transfers score
- Nexo Card91Plasma One Card100
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feePlasma One CardLite starts with 2% XPL cashback, Higher tiers add bigger caps and perks
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskPlasma One CardPhysical access is limited; no ATM, Cashback is capped by tier
Costs
7 fields- Plan cost
- Nexo Card$0Plasma One Card$0
- FX fee
- Nexo Card0.2–2.5%Plasma One Card0–1%
- Top-up fee
- Nexo CardNot disclosedPlasma One Card0%
- Card spending fee
- Nexo CardNot disclosedPlasma One CardNot disclosed
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPPlasma One CardNot available
- Virtual card
- Nexo CardAvailable from $50 account balancePlasma One CardUp to 3 free virtual cards by tier
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierPlasma One CardFirst physical card free in the currently confirmed Core and Platinum flows. Core standard delivery is $20 and express is $50; Platinum standard delivery is free and express is $30. Additional or replacement cards cost $40 for Core and $120 for Platinum.
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumPlasma One Card3 plans: Lite, Core, Platinum
- Top cashback plan
- Nexo CardPlatinum: 2%Plasma One CardPlatinum: 4%
Everyday use
8 fields- Network
- Nexo CardMastercardPlasma One CardVisa
- Card formats
- Nexo CardVirtual, PhysicalPlasma One CardVirtual, Physical
- ATM withdrawals
- Nexo CardAvailablePlasma One CardNot available
- Mobile wallets
- Nexo CardApple Pay, Google PayPlasma One CardApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebPlasma One CardiOS, Android
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionPlasma One CardShown in app
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthPlasma One CardShown in app
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthPlasma One CardNot available, including for physical cards
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedPlasma One CardPlasma, Ethereum, Solana, Tron, Polygon, Arbitrum +5
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Plasma One CardStablecoins: USDT, USDC, USDG
- Fiat deposits
- Nexo CardNexo account bank depositPlasma One CardUSD virtual account, EUR / GBP virtual accounts, MXN / BRL local transfers, COP virtual account
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalPlasma One CardStablecoin transfers; Plasma One usernames; Virtual account withdrawals
- Payout currencies
- Nexo CardEUR, GBP, USDPlasma One CardUSD, EUR, GBP, MXN, BRL, COP
Rewards
3 fields- Base cashback
- Nexo Card0.5%Plasma One Card2%
- Max cashback
- Nexo Card2%Plasma One Card10%
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackPlasma One CardUSD cashback paid in XPL
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYPlasma One CardUp to 5% APY
- How it works
- Nexo CardEarn on spending balancePlasma One CardOptional earn vault
- Separate deposit
- Nexo CardNot disclosedPlasma One CardYes
- Use balance for spending
- Nexo CardYesPlasma One CardNo
- Lock-up
- Nexo CardNoPlasma One CardNo
Trust & availability
7 fields- Custody
- Nexo CardCustodialPlasma One CardSelf-custody
- Control until payment
- Nexo CardProvider controls fundsPlasma One CardYou keep control
- Card issuer
- Nexo CardDiPocket UABPlasma One CardRain, Third National
- Card processing
- Nexo CardNot disclosedPlasma One Card0x
- Custody / key management
- Nexo CardNot disclosedPlasma One CardPrivy, Veda
- Deposits & withdrawals
- Nexo CardNot disclosedPlasma One CardBridge, Bridge Ventures LLC
- Programme operator
- Nexo CardNexo Services Sp. z o.o.Plasma One CardPlasma
Sources
2 fields- Official sources
- Nexo Card13Plasma One Card12
- Last reviewed
- Nexo CardAug 5, 2026Plasma One CardAug 27, 2026
04 · The takeaway
Plasma One Card is the stronger all-round choice
Plasma One Card finishes ahead with an Overall Score of 87 versus 65 for Nexo Card. Plasma One Card has the lower published FX fee (0–1% vs 0.2–2.5%). Plasma One Card has the higher published base cashback rate (2% vs 0.5%).
Nexo Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Nexo Card uses a custodial balance setup, while Plasma One Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Plasma One 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 Plasma One Card reviews first.
Continue with
Nexo Card
Continue with
Plasma One Card
05 · Common questions
Nexo vs Plasma One FAQ
Is Nexo or Plasma One better overall?
Plasma One Card has the higher Overall Score (87 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 Plasma One?
Plasma One 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 Plasma One?
Plasma One Card has the higher published base cashback rate (2% 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 Plasma One differ on custody?
Nexo Card uses a custodial balance setup, while Plasma One 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 Plasma One comparison?
The latest information check for these two cards was August 27, 2026, using 25 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.