NexoNexo
65
Side-by-side card comparison
Nexo vs Solayer Pay: fees, rewards and account setup
Nexo Card has the higher Overall Score by 10 points (65 vs 55). Nexo Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Solayer Pay Card may still be the better personal fit.
Information checked Aug 12, 202638 official sources reviewed
01 · Make the first cut
Nexo Card is the better all-round starting point
Nexo Card has the higher Overall Score in this comparison. Solayer Pay 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.
OverallNexo65Solayer Pay55Higher score
CashbackNexo41Solayer Pay20Higher score
TravelNexo65Solayer Pay53Higher score
Funds controlNexo52Solayer Pay47Higher score
Lowest feesNexo57Solayer Pay43Higher score
TransfersNexo91Solayer Pay29Higher score
Choose Nexo Card if cashback and travel matter most
Nexo 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.
- Choose debit spend or credit-line use
- No base monthly or annual card fee
- Virtual card works with phone wallets
Choose Solayer Pay Card if its day-to-day setup suits you
Solayer Pay 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.
- Virtual and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
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
- Nexo65Solayer Pay55
Nexo Card has the higher Overall Score by 10 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
Nexo Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Nexo0.5% base · up to 2%Solayer Pay0% base
Nexo Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- NexoCustodial balanceSolayer PayCustodial balance
Nexo Card and Solayer Pay Card use the same custodial balance setup.
- Everyday access
- NexoVirtual + Physical · Apple Pay, Google PaySolayer PayVirtual + 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 withdrawalSolayer Pay1 stablecoin · Not modeled
Nexo Card lists more stablecoins and ways to send money out (5 vs 1).
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
- 0% base
- Plan cost
- $20/year
- FX fee
- Up to 3% stated + $0.10; components may stack
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 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 CardOverall65Solayer Pay CardOverall55
Nexo CardOverall65Solayer Pay CardOverall55Scores
6 fields- Overall Score
- Nexo Card65Solayer Pay Card55
- Cashback score
- Nexo Card41Solayer Pay Card20
- Travel score
- Nexo Card65Solayer Pay Card53
- Funds control score
- Nexo Card52Solayer Pay Card47
- Lowest fees score
- Nexo Card57Solayer Pay Card43
- Transfers score
- Nexo Card91Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feeSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskSolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- Nexo Card$0Solayer Pay Card$20/year
- FX fee
- Nexo Card0.2–2.5%Solayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- Nexo CardNot disclosedSolayer Pay Card1%
- Card spending fee
- Nexo CardNot disclosedSolayer Pay Card$0.15
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPSolayer Pay CardNot disclosed
- Virtual card
- Nexo CardAvailable from $50 account balanceSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierSolayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumSolayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- Nexo CardPlatinum: 2%Solayer Pay CardNot disclosed
Everyday use
8 fields- Network
- Nexo CardMastercardSolayer Pay CardVisa
- Card formats
- Nexo CardVirtual, PhysicalSolayer Pay CardVirtual, Physical
- ATM withdrawals
- Nexo CardAvailableSolayer Pay CardAvailable
- Mobile wallets
- Nexo CardApple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebSolayer Pay CardiOS, Android
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionSolayer Pay CardShown in app
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthSolayer Pay CardShown in app
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthSolayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedSolayer Pay CardSolana
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Solayer Pay CardStablecoins: USDC
- Fiat deposits
- Nexo CardNexo account bank depositSolayer Pay CardNot disclosed
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalSolayer Pay CardNot disclosed
- Payout currencies
- Nexo CardEUR, GBP, USDSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Nexo Card0.5%Solayer Pay Card0%
- Max cashback
- Nexo Card2%Solayer Pay CardNot disclosed
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYSolayer Pay CardUp to 3.5% APY
- How it works
- Nexo CardEarn on spending balanceSolayer Pay CardEarn on spending balance
- Separate deposit
- Nexo CardNot disclosedSolayer Pay CardNo
- Use balance for spending
- Nexo CardYesSolayer Pay CardYes
- Lock-up
- Nexo CardNoSolayer Pay CardNo
Trust & availability
5 fields- Custody
- Nexo CardCustodialSolayer Pay CardCustodial
- Control until payment
- Nexo CardProvider controls fundsSolayer Pay CardProvider controls funds
- Card issuer
- Nexo CardDiPocket UABSolayer Pay CardThird National
- Identity verification
- Nexo CardNot disclosedSolayer Pay CardSumsub
- Programme operator
- Nexo CardNexo Services Sp. z o.o.Solayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- Nexo Card13Solayer Pay Card25
- Last reviewed
- Nexo CardAug 5, 2026Solayer Pay CardAug 12, 2026
04 · The takeaway
Nexo Card is the stronger all-round choice
Nexo Card finishes ahead with an Overall Score of 65 versus 55 for Solayer Pay Card. Nexo Card has the lower starting plan cost ($0 vs $20/year). Nexo Card has the higher published base cashback rate (0.5% vs 0%).
Solayer Pay Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Nexo Card and Solayer Pay Card use the same custodial balance setup.
Nexo Card lists more stablecoins and ways to send money out (5 vs 1). 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 Solayer Pay Card reviews first.
Continue with
Nexo Card
Continue with
Solayer Pay Card
05 · Common questions
Nexo vs Solayer Pay FAQ
Is Nexo or Solayer Pay better overall?
Nexo Card has the higher Overall Score (65 vs 55). 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 Solayer Pay?
Nexo Card has the lower starting plan cost ($0 vs $20/year). 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 Solayer Pay?
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 Solayer Pay differ on custody?
Nexo Card and Solayer Pay Card use the same custodial balance setup.
How current is this Nexo vs Solayer Pay comparison?
The latest information check for these two cards was August 12, 2026, using 38 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.