NexoNexo
65
Side-by-side card comparison
Nexo vs Xapo: overall score versus use-case fit
Xapo Card has the higher Overall Score by 5 points (70 vs 65). Nexo Card looks stronger for Cashback, while Xapo Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Sep 1, 202634 official sources reviewed
01 · Overall score versus use-case fit
Xapo Card is the better all-round starting point
Xapo Card has the higher Overall Score in this comparison. Nexo Card may be the better fit for Cashback. 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.
OverallNexo65Xapo70Higher score
CashbackNexo41Xapo24Higher score
TravelNexo65Xapo91Higher score
Funds controlNexo52Xapo63Higher score
Lowest feesNexo57Xapo77Higher score
TransfersNexo91Xapo100Higher score
Choose Nexo Card if cashback matters most
Nexo Card comes out ahead for Cashback 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 Xapo Card if travel and funds control matter most
Xapo Card comes out ahead for 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.
- No Xapo FX markup
- Account-backed bank and crypto rails
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
- Nexo65Xapo70
Xapo Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXXapo$1,000/year plan · 0–0.29% FX
Nexo Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Nexo0.5% base · up to 2%Xapo0% base · up to 3%
Nexo Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- NexoCustodial balanceXapoCustodial balance
Nexo Card and Xapo Card use the same custodial balance setup.
- Everyday access
- NexoVirtual + Physical · Apple Pay, Google PayXapoVirtual + Physical · Unknown
Nexo Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Nexo2 stablecoins · Stablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Xapo Card lists more stablecoins and ways to send money out (8 vs 5).
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%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 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 CardOverall65Xapo CardOverall70
Nexo CardOverall65Xapo CardOverall70Scores
6 fields- Overall Score
- Nexo Card65Xapo Card70
- Cashback score
- Nexo Card41Xapo Card24
- Travel score
- Nexo Card65Xapo Card91
- Funds control score
- Nexo Card52Xapo Card63
- Lowest fees score
- Nexo Card57Xapo Card77
- Transfers score
- Nexo Card91Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feeXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Nexo Card$0Xapo Card$1,000/year
- FX fee
- Nexo Card0.2–2.5%Xapo Card0–0.29%
- Top-up fee
- Nexo CardNot disclosedXapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Nexo CardNot disclosedXapo Card0%
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPXapo Card0–2%
- Virtual card
- Nexo CardAvailable from $50 account balanceXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Nexo CardPlatinum: 2%Xapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Nexo CardMastercardXapo CardVisa/Mastercard
- Card formats
- Nexo CardVirtual, PhysicalXapo CardVirtual, Physical
- ATM withdrawals
- Nexo CardAvailableXapo CardAvailable
- Mobile wallets
- Nexo CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- Nexo CardiOS, Android, WebXapo CardiOS, Android
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Xapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Nexo CardNexo account bank depositXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Nexo CardEUR, GBP, USDXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Nexo Card0.5%Xapo Card0%
- Max cashback
- Nexo Card2%Xapo Card3%
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackXapo CardBTC
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYXapo CardUp to 3.35% APY
- How it works
- Nexo CardEarn on spending balanceXapo CardEarn on spending balance
- Separate deposit
- Nexo CardNot disclosedXapo CardNo
- Use balance for spending
- Nexo CardYesXapo CardYes
- Lock-up
- Nexo CardNoXapo CardNo
Trust & availability
5 fields- Custody
- Nexo CardCustodialXapo CardCustodial
- Control until payment
- Nexo CardProvider controls fundsXapo CardProvider controls funds
- Card issuer
- Nexo CardDiPocket UABXapo CardTransact Payments Malta Limited
- Bank transfers
- Nexo CardNot disclosedXapo CardXapo Bank Limited
- Programme operator
- Nexo CardNexo Services Sp. z o.o.Xapo CardNot disclosed
Sources
2 fields- Official sources
- Nexo Card13Xapo Card21
- Last reviewed
- Nexo CardAug 5, 2026Xapo CardSep 1, 2026
04 · The trade-off
Xapo Card is the stronger all-round choice
Xapo Card finishes ahead with an Overall Score of 70 versus 65 for Nexo Card. Nexo Card has the lower starting plan cost ($0 vs $1,000/year). Nexo Card has the higher published base cashback rate (0.5% vs 0%).
Nexo Card still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. Nexo Card and Xapo Card use the same custodial balance setup.
Xapo Card lists more stablecoins and ways to send money out (8 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 Xapo Card reviews first.
Continue with
Nexo Card
Continue with
Xapo Card
05 · Common questions
Nexo vs Xapo FAQ
Is Nexo or Xapo better overall?
Xapo Card has the higher Overall Score (70 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 Xapo?
Nexo Card has the lower starting plan cost ($0 vs $1,000/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 Xapo?
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 Xapo differ on custody?
Nexo Card and Xapo Card use the same custodial balance setup.
How current is this Nexo vs Xapo comparison?
The latest information check for these two cards was September 1, 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.