NexoNexo
65
Side-by-side card comparison
Nexo vs Wirex One: fees, rewards and account setup
Wirex One Card has the higher Overall Score by 12 points (77 vs 65). Wirex 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 12, 202649 official sources reviewed
01 · Make the first cut
Wirex One Card is the better all-round starting point
Wirex 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.
OverallNexo65Wirex One77Higher score
CashbackNexo41Wirex One70Higher score
TravelNexo65Wirex One85Higher score
Funds controlNexo52Wirex One73Higher score
Lowest feesNexo57Wirex One68Higher score
TransfersNexo91Wirex One94Higher 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 Wirex One Card if cashback and travel matter most
Wirex 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.
- Five current card tiers
- 0.5% to 8% cashback in USD
- Self-custodial digital assets
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
- Nexo65Wirex One77
Wirex One Card has the higher Overall Score by 12 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXWirex One$0 plan · 0% FX
Wirex One Card has the lower published FX fee (0% vs 0.2–2.5%).
- Purchase rewards
- Nexo0.5% base · up to 2%Wirex One0.5% base · up to 8%
Both cards show the same base cashback rate of 0.5%.
- Funds control
- NexoCustodial balanceWirex OneNon-custodial account
Nexo Card uses a custodial balance setup, while Wirex One Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- NexoVirtual + Physical · Apple Pay, Google PayWirex 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 withdrawalWirex One3 stablecoins · Stablecoin transfers; Pay to an external card, Bank account payouts
Wirex 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
- 0.5%-8%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 2 fiat
- Payout methods
- 3 crypto · 3 fiat
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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 CardOverall65Wirex One CardOverall77
Nexo CardOverall65Wirex One CardOverall77Scores
6 fields- Overall Score
- Nexo Card65Wirex One Card77
- Cashback score
- Nexo Card41Wirex One Card70
- Travel score
- Nexo Card65Wirex One Card85
- Funds control score
- Nexo Card52Wirex One Card73
- Lowest fees score
- Nexo Card57Wirex One Card68
- Transfers score
- Nexo Card91Wirex One Card94
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feeWirex One CardFive current card tiers, 0.5% to 8% cashback in USD
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskWirex One CardHigher tiers require WPAY exposure, Limits remain region-specific
Costs
7 fields- Plan cost
- Nexo Card$0Wirex One Card$0
- FX fee
- Nexo Card0.2–2.5%Wirex One Card0%
- Top-up fee
- Nexo CardNot disclosedWirex One CardNot disclosed
- Card spending fee
- Nexo CardNot disclosedWirex One CardNot disclosed
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPWirex One Card2%
- Virtual card
- Nexo CardAvailable from $50 account balanceWirex One CardIncluded on every membership tier
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierWirex One CardPlastic from Premium; Visa Signature Metal from Private
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumWirex One Card5 plans: Base, Premium, Elite, Private +1
- Top cashback plan
- Nexo CardPlatinum: 2%Wirex One CardBespoke: 8%
Everyday use
8 fields- Network
- Nexo CardMastercardWirex One CardVisa
- Card formats
- Nexo CardVirtual, PhysicalWirex One CardVirtual, Physical
- ATM withdrawals
- Nexo CardAvailableWirex One CardAvailable
- Mobile wallets
- Nexo CardApple Pay, Google PayWirex One CardApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebWirex One CardiOS, Android
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionWirex One CardEEA card-spend limit: €30,000/day and €30,000 per transaction; other regions are shown in app
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthWirex One CardEEA card-spend limit: €30,000/month; other regions are shown in app
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthWirex One CardEEA physical/Metal ATM limit: €500/day, €5,000/month and 5 withdrawals/day; 2% above the free allowance
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedWirex One CardNot disclosed
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Wirex One CardStablecoins: USDC, USDT, EURC
- Fiat deposits
- Nexo CardNexo account bank depositWirex One CardBank funding, External card top-up
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalWirex One CardStablecoin transfers; Pay to an external card, Bank account payouts
- Payout currencies
- Nexo CardEUR, GBP, USDWirex One CardUSD, EUR, GBP
Rewards
3 fields- Base cashback
- Nexo Card0.5%Wirex One Card0.5%
- Max cashback
- Nexo Card2%Wirex One Card8%
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackWirex One CardUSD cashback
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYWirex One CardNot offered
- How it works
- Nexo CardEarn on spending balanceWirex One CardNot offered
- Separate deposit
- Nexo CardNot disclosedWirex One CardNot offered
- Use balance for spending
- Nexo CardYesWirex One CardNot offered
- Lock-up
- Nexo CardNoWirex One CardNot offered
Trust & availability
5 fields- Custody
- Nexo CardCustodialWirex One CardNon-custodial
- Control until payment
- Nexo CardProvider controls fundsWirex One CardNot disclosed
- Card issuer
- Nexo CardDiPocket UABWirex One CardTransact Payments Malta Limited, Novatti Group Limited
- Custody / key management
- Nexo CardNot disclosedWirex One CardPrivy Technologies, Inc.
- Programme operator
- Nexo CardNexo Services Sp. z o.o.Wirex One CardUAB Wirex
Sources
2 fields- Official sources
- Nexo Card13Wirex One Card36
- Last reviewed
- Nexo CardAug 5, 2026Wirex One CardAug 12, 2026
04 · The takeaway
Wirex One Card is the stronger all-round choice
Wirex One Card finishes ahead with an Overall Score of 77 versus 65 for Nexo Card. Wirex One Card has the lower published FX fee (0% vs 0.2–2.5%). Both cards show the same base cashback rate of 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 Wirex One Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
Wirex 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 Wirex One Card reviews first.
Continue with
Nexo Card
Continue with
Wirex One Card
05 · Common questions
Nexo vs Wirex One FAQ
Is Nexo or Wirex One better overall?
Wirex One Card has the higher Overall Score (77 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 Wirex One?
Wirex One Card has the lower published FX fee (0% 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 Wirex One?
Both cards show the same base cashback rate of 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 Wirex One differ on custody?
Nexo Card uses a custodial balance setup, while Wirex One Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Nexo vs Wirex One comparison?
The latest information check for these two cards was August 12, 2026, using 49 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.