Updated September 28, 2026 · DebitCue Editorial Team
Nexo vs Paisa247
Nexo
Paisa247
Higher score in this comparison
Nexo vs Paisa247: the differences
| Compare | NexoReviewVisitVisit | Paisa247ReviewVisitVisit |
|---|---|---|
| Annual fee | €0 | ₹0 |
| APR | from 1.9%Lower | 9.99% to 44% |
| Rewards type | Cashback | None |
| Perks | Free ATM withdrawals up to EUR 2,000 / GBP 1,800 per month at Platinum tier, then 2% fee (min EUR/GBP 1.99), Apple Pay and Google Pay supported, Interest earned on unspent funds (Nexo Loyalty Program, up to 13% per year), Accepted at over 100 million merchants globally, Virtual card activated instantly with 50 USD balance; free shipping for physical card above 5,000 USD balance at Gold tier or higher, No monthly, annual or inactivity card fees | Free to use, no service fees or hidden charges, Comparison platform matching users with licensed lenders and RBI regulated banks, More than 60 personalised loan offers within 30 seconds, Compare credit cards from Indian banks alongside personal loans, Mobile app available via QR code download, Hindi language option |
| Currency conversion fee | 0.2% to 2.5% | Not confirmed |
| Rewards rate | Up to 2% crypto cashback in NEXO Tokens, or 0.5% in BTC at Platinum tier, on purchases in Credit Mode | Not confirmed |
| Cashback rate | 0.5% to 2% | Not confirmed |
| Card kind | Credit | Not confirmed |
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Key differences
- Paisa247 scores higher overall: 9.4 vs 8.9.
- Nexo is available in 35 more countries.
- APR is lower at Nexo: from 1.9% vs 9.99% to 44%.
- Perks: only Nexo offers Free ATM withdrawals up to EUR 2,000 / GBP 1,800 per month at Platinum tier, then 2% fee (min EUR/GBP 1.99), Apple Pay and Google Pay supported, Interest earned on unspent funds (Nexo Loyalty Program, up to 13% per year).
- Perks: only Paisa247 offers Free to use, no service fees or hidden charges, Comparison platform matching users with licensed lenders and RBI regulated banks, More than 60 personalised loan offers within 30 seconds.
- Support channels: only Nexo offers Chat.
- Support channels: only Paisa247 offers Phone.
Our verdict on each
Nexo
Nexo suits people who hold crypto and want a card that costs nothing to keep and pays cashback in tokens. The monthly fee is €0, the cashback is paid in crypto rather than cash, and the conversion fee of 0.2% to 2.5% is the trade-off to weigh.
Paisa247
Paisa247 charges an annual fee of INR 0 and hands you a comparison rather than a single card, so it suits Indian borrowers who want to weigh lender terms first. Borrowing still costs, with interest set at 9.99% to 44%.
Score breakdown
| Area | Nexo | Paisa247 |
|---|---|---|
| Cost | 9.2Free monthly and annual fees sit against a currency conversion fee of 0.2% to 2.5%, so spending abroad costs more. | 9.5HigherAnnual fee of INR 0 and interest of 9.99% to 44% on a comparison site, with credit rates running above the typical median. |
| Offer | 9.3 | 9.4Higher |
| Trust | 8.4 | Not confirmed |
If neither fits
Crezu ES has apr at 0% to 36%, against from 1.9% for Nexo and 9.99% to 44% for Paisa247.
Crezu ES reviewHow they place
| Ranking | Nexo | Paisa247 |
|---|---|---|
| Credit cards | 10 of 1020 | 15 of 1020 |
Every fact side by side
| Fact | Nexo | Paisa247 |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Multi currency, Crypto, Virtual card, Custodial, Travel | Not confirmed |
| Audience | Business | Not confirmed |
| Legal entity | DiPocket UAB | Riga Marketplace Paisa247 Private Limited |
| Headquarters | Not confirmed | India |
| Founded | 2018 | Not confirmed |
| Support channels | Chat, Email, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Nexo | Paisa247 | Median |
|---|---|---|---|
| APR | from 1.9%lowest quarter | 9.99% to 44%lowest quarter | 19.39 |
| Currency conversion fee | 0.2% to 2.5%below the median | Not confirmed | 1 |
| Cashback rate | 0.5% to 2%above the median | Not confirmed | 1.5 |
Median across 312 listed cards.
Pros and cons
Nexo
Pros
- Free to keep: the monthly fee is €0 and the annual fee is €0.
- Cashback of 0.5% to 2% paid in NEXO Tokens, or in BTC at the Platinum tier.
- Free ATM withdrawals of €200 to €2,000 each month at the Platinum tier.
Cons
- Currency conversion costs 0.2% to 2.5%, above the site median of 1%.
- Support runs on chat, email and help centre only, with no phone line.
- Custody sits with the provider: the account is custodial, not self-custody.
Paisa247
Pros
- No annual fee, at INR 0, and the site lists no service fees or hidden charges
- Matches you with licensed lenders and RBI-regulated banks
- Support runs on email, phone and help centre
Cons
- The rewards type is none, so spending earns nothing back
- Interest runs at 9.99% to 44%, above the typical credit card median
- You get offers rather than a single card, so terms are set by the lender you pick
Who each suits
Nexo
Who it suits
- Crypto holders who want everyday spending to pay part of the cost back in tokens.
- Business users, the audience Nexo lists, who pay across several of the 100 supported currencies.
- Travellers who keep their cash withdrawals inside €200 to €2,000 each month.
Who should look elsewhere
- Wise, for anyone who wants a multi-currency account without crypto cashback or interest on unspent funds.
- Varo Believe Secured Credit Card, for a secured credit card rather than a crypto-linked card, at a monthly fee of $0.
- Chime Card (Secured Visa Credit Card), for building credit on a secured card, at a monthly fee of $0.
Paisa247
Who it suits
- Indian borrowers comparing personal loans and credit cards in one place
- People who want a licensed lender or RBI-regulated bank to choose from
- Hindi speaking applicants who prefer the interface in their own language
Who should look elsewhere
- Anyone chasing rewards, since the rewards type is none
- Borrowers who want one set of terms up front rather than a choice of lenders
- People sensitive to interest, because rates run at 9.99% to 44%
Country by country
| Country | Nexo | Paisa247 |
|---|---|---|
| Argentina | Yes | No |
| Australia | Yes | No |
| Austria | Yes | No |
| Belgium | Yes | No |
| Bulgaria | Yes | No |
| Croatia | Yes | No |
| Cyprus | Yes | No |
| Czechia | Yes | No |
8 of 37 countries where either is available.
Questions about each
Nexo
What does it cost to keep the Nexo card?+
The monthly fee is €0 and the annual fee is €0, and Nexo states there are no monthly, annual or inactivity card fees. The account is aimed at business users, so holding the card adds no fixed running cost to a budget.
What is the currency conversion fee?+
Conversion costs 0.2% to 2.5%, which sits above the site median of 1%. Spending in a currency other than your balance currency is the main cost to plan for, and free ATM withdrawals only run to €200 to €2,000 a month at the Platinum tier.
Paisa247
Does Paisa247 charge an annual fee?+
The annual fee is INR 0, and the site describes itself as free to use with no service fees or hidden charges. The catch is that you are not paying a card issuer for a card, so charges come later if a matched lender lends to you at its own rate.
What interest will I pay if I borrow through Paisa247?+
Interest is listed at 9.99% to 44%, which is a range rather than one number. The rate that applies to you comes from the bank that approves your application, so check the offer before you accept it.