NexoNexo
65
Side-by-side card comparison
Nexo vs Tuyo: overall score versus use-case fit
Tuyo Card has the higher Overall Score by 9 points (74 vs 65). Nexo Card looks stronger for Cashback, Travel, and Transfers, while Tuyo Card comes out ahead for Funds control and Lowest fees.
Information checked Aug 5, 202625 official sources reviewed
01 · Overall score versus use-case fit
Tuyo Card is the better all-round starting point
Tuyo Card has the higher Overall Score in this comparison. Nexo Card may be the better fit for Cashback, Travel, 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.
OverallNexo65Tuyo74Higher score
CashbackNexo41Tuyo39Higher score
TravelNexo65Tuyo42Higher score
Funds controlNexo52Tuyo100Higher score
Lowest feesNexo57Tuyo71Higher score
TransfersNexo91Tuyo72Higher 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 Tuyo Card if funds control and lowest fees matter most
Tuyo Card comes out ahead for Funds control 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.
- Self-custody wallet control
- Virtual Visa with both phone wallets
- Multichain USDC funding and spendable Earn
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
- Nexo65Tuyo74
Tuyo Card has the higher Overall Score by 9 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXTuyo$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%Tuyo0% base · up to 100%
Nexo Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- NexoCustodial balanceTuyoSelf-controlled wallet
Nexo Card uses a custodial balance setup, while Tuyo 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 PayTuyoVirtual · 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 withdrawalTuyo1 stablecoin · Stablecoin transfers
Nexo Card lists more stablecoins and ways to send money out (5 vs 2).
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%-100%
- 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 CardOverall65Tuyo CardOverall74
Nexo CardOverall65Tuyo CardOverall74Scores
6 fields- Overall Score
- Nexo Card65Tuyo Card74
- Cashback score
- Nexo Card41Tuyo Card39
- Travel score
- Nexo Card65Tuyo Card42
- Funds control score
- Nexo Card52Tuyo Card100
- Lowest fees score
- Nexo Card57Tuyo Card71
- Transfers score
- Nexo Card91Tuyo Card72
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feeTuyo CardSelf-custody wallet control, Virtual Visa with both phone wallets
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskTuyo CardReward value is unpredictable, Virtual-only with no ATM access
Costs
7 fields- Plan cost
- Nexo Card$0Tuyo Card$0
- FX fee
- Nexo Card0.2–2.5%Tuyo Card1–3%
- Top-up fee
- Nexo CardNot disclosedTuyo CardNot disclosed
- Card spending fee
- Nexo CardNot disclosedTuyo Card0%
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPTuyo CardNot available
- Virtual card
- Nexo CardAvailable from $50 account balanceTuyo CardFree
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierTuyo CardComing soon; not currently available
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumTuyo CardNot disclosed
- Top cashback plan
- Nexo CardPlatinum: 2%Tuyo CardNot disclosed
Everyday use
8 fields- Network
- Nexo CardMastercardTuyo CardVisa
- Card formats
- Nexo CardVirtual, PhysicalTuyo CardVirtual
- ATM withdrawals
- Nexo CardAvailableTuyo CardNot available
- Mobile wallets
- Nexo CardApple Pay, Google PayTuyo CardApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebTuyo CardiOS, Android
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionTuyo CardUp to $10,000 per day; limits can change with usage and account history.
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthTuyo CardNo fixed monthly card-spend limit is publicly disclosed.
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthTuyo CardATM withdrawals are not currently supported.
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedTuyo CardEthereum, Base, Arbitrum, Optimism, Polygon
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Tuyo CardStablecoins: USDC
- Fiat deposits
- Nexo CardNexo account bank depositTuyo CardVirtual-account receiving
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalTuyo CardStablecoin transfers
- Payout currencies
- Nexo CardEUR, GBP, USDTuyo CardNot disclosed
Rewards
3 fields- Base cashback
- Nexo Card0.5%Tuyo Card0%
- Max cashback
- Nexo Card2%Tuyo Card100%
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackTuyo CardUSD
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYTuyo CardUp to 11% APY
- How it works
- Nexo CardEarn on spending balanceTuyo CardEarn on spending balance, Optional earn vault
- Separate deposit
- Nexo CardNot disclosedTuyo CardYes
- Use balance for spending
- Nexo CardYesTuyo CardYes
- Lock-up
- Nexo CardNoTuyo CardNot disclosed
Trust & availability
7 fields- Custody
- Nexo CardCustodialTuyo CardSelf-custody
- Control until payment
- Nexo CardProvider controls fundsTuyo CardYou keep control
- Card issuer
- Nexo CardDiPocket UABTuyo CardThird National
- Card processing
- Nexo CardNot disclosedTuyo CardSignify Holdings, Inc. (Rain)
- Deposits & withdrawals
- Nexo CardNot disclosedTuyo CardBridge Ventures, Inc. (Bridge)
- Bank transfers
- Nexo CardNot disclosedTuyo CardBANEX Microfinance Bank Limited
- Programme operator
- Nexo CardNexo Services Sp. z o.o.Tuyo CardNot disclosed
Sources
2 fields- Official sources
- Nexo Card13Tuyo Card12
- Last reviewed
- Nexo CardAug 5, 2026Tuyo CardAug 5, 2026
04 · The trade-off
Tuyo Card is the stronger all-round choice
Tuyo Card finishes ahead with an Overall Score of 74 versus 65 for Nexo 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%).
Nexo Card still comes out ahead for Cashback, Travel, 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 Tuyo 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 2). 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 Tuyo Card reviews first.
Continue with
Nexo Card
Continue with
Tuyo Card
05 · Common questions
Nexo vs Tuyo FAQ
Is Nexo or Tuyo better overall?
Tuyo Card has the higher Overall Score (74 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 Tuyo?
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 Tuyo?
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 Tuyo differ on custody?
Nexo Card uses a custodial balance setup, while Tuyo 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 Tuyo comparison?
The latest information check for these two cards was August 5, 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.