NexoNexo
66
Side-by-side card comparison
Nexo vs Tangem: overall score versus use-case fit
Tangem Card has the higher Overall Score by 11 points (77 vs 66). Nexo Card looks stronger for Travel, Lowest fees, and Transfers, while Tangem Card comes out ahead for Cashback and Funds control.
Information checked Oct 11, 202634 official sources reviewed
01 · Overall score versus use-case fit
Tangem Card is the better all-round starting point
Tangem 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.
OverallNexo66Tangem77Higher score
CashbackNexo41Tangem73Higher score
TravelNexo65Tangem63Higher score
Funds controlNexo52Tangem87Higher score
Lowest feesNexo57Tangem52Higher score
TransfersNexo91Tangem65Higher 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 Tangem Card if cashback and funds control matter most
Tangem 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.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
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
- Nexo66Tangem77
Tangem Card has the higher Overall Score by 11 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXTangem$0 plan · Up to 3% legal cap; current fee unknown 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%Tangem1% base · up to 2%
Tangem Card has the higher published base cashback rate (1% vs 0.5%).
- Funds control
- NexoCustodial balanceTangemHybrid custody
Nexo Card uses a custodial balance setup, while Tangem 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 PayTangemVirtual + 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 withdrawalTangem2 stablecoins · Stablecoin transfers
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
- 1%-2%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- 2–4%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 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 CardOverall66Tangem CardOverall77
Nexo CardOverall66Tangem CardOverall77Scores
6 fields- Overall Score
- Nexo Card66Tangem Card77
- Cashback score
- Nexo Card41Tangem Card73
- Travel score
- Nexo Card65Tangem Card63
- Funds control score
- Nexo Card52Tangem Card87
- Lowest fees score
- Nexo Card57Tangem Card52
- Transfers score
- Nexo Card91Tangem Card65
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feeTangem CardApple Pay and Google Pay, Direct USDC funding on Polygon
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskTangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%
Costs
7 fields- Plan cost
- Nexo Card$0Tangem Card$0
- FX fee
- Nexo Card0.2–2.5%Tangem CardUp to 3% legal cap; current fee unknown
- Top-up fee
- Nexo CardNot disclosedTangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separate
- Card spending fee
- Nexo CardNot disclosedTangem Card0%
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPTangem Card2–4%
- Virtual card
- Nexo CardAvailable from $50 account balanceTangem Card$0 for the first virtual card
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierTangem CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery free
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumTangem Card2 plans: Basic, Plus
- Top cashback plan
- Nexo CardPlatinum: 2%Tangem CardPlus: 2%
Everyday use
8 fields- Network
- Nexo CardMastercardTangem CardVisa
- Card formats
- Nexo CardVirtual, PhysicalTangem CardVirtual, Physical
- ATM withdrawals
- Nexo CardAvailableTangem CardAvailable
- Mobile wallets
- Nexo CardApple Pay, Google PayTangem CardApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebTangem CardiOS, Android
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionTangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controls
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthTangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per month
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthTangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM required
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedTangem CardPolygon, BNB Smart Chain, Base, Arbitrum
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Tangem CardStablecoins: USDC, USDT
- Fiat deposits
- Nexo CardNexo account bank depositTangem CardUSD ACH deposit, USD Fedwire deposit
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalTangem CardStablecoin transfers
- Payout currencies
- Nexo CardEUR, GBP, USDTangem CardNot disclosed
Rewards
3 fields- Base cashback
- Nexo Card0.5%Tangem Card1%
- Max cashback
- Nexo Card2%Tangem Card2%
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackTangem CardUSDC
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYTangem CardNot offered
- How it works
- Nexo CardEarn on spending balanceTangem CardNot offered
- Separate deposit
- Nexo CardNot disclosedTangem CardNot offered
- Use balance for spending
- Nexo CardYesTangem CardNot offered
- Lock-up
- Nexo CardNoTangem CardNot offered
Trust & availability
6 fields- Custody
- Nexo CardCustodialTangem CardHybrid custody
- Control until payment
- Nexo CardProvider controls fundsTangem CardYou keep control
- Card issuer
- Nexo CardDiPocket UABTangem CardThird National
- Card processing
- Nexo CardNot disclosedTangem CardPaera LLC
- Identity verification
- Nexo CardNot disclosedTangem CardSumsub
- Programme operator
- Nexo CardNexo Services Sp. z o.o.Tangem CardNot disclosed
Sources
2 fields- Official sources
- Nexo Card14Tangem Card20
- Last reviewed
- Nexo CardSep 2, 2026Tangem CardOct 11, 2026
04 · The trade-off
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 77 versus 66 for Nexo Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Tangem Card has the higher published base cashback rate (1% 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 Tangem Card uses a hybrid custody 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 Tangem Card reviews first.
Continue with
Nexo Card
Continue with
Tangem Card
05 · Common questions
Nexo vs Tangem FAQ
Is Nexo or Tangem better overall?
Tangem Card has the higher Overall Score (77 vs 66). 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 Tangem?
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 Tangem?
Tangem Card has the higher published base cashback rate (1% 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 Tangem differ on custody?
Nexo Card uses a custodial balance setup, while Tangem 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 Tangem comparison?
The latest information check for these two cards was October 11, 2026, using 34 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.