Updated September 28, 2026 · DebitCue Editorial Team
Nexo vs Qonto_AT
Nexo
Higher score in this comparison
Qonto_AT
Where Nexo and Qonto_AT differ
| Compare | NexoReviewVisitVisit | Qonto_ATReviewVisitVisit |
|---|---|---|
| Monthly fee | €0Lower | €9 |
| Currency conversion fee | 0.2% to 2.5%Lower | 2% |
| Free ATM withdrawals | €200 to €2,000Higher | €0 |
| Currencies | 100 | from 30 |
| Cashback rate | 0.1% to 2% | Not confirmed |
| Custody | Custodial | Not confirmed |
Same on both: Card type (Debit), Card network (Mastercard).
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Key differences
- Nexo scores higher overall: 8.9 vs 8.8.
- Founded is lower at Qonto_AT: 2017 vs 2018.
- Nexo is licensed in 5 more countries.
- Nexo is available in 28 more countries.
- Monthly fee is lower at Nexo: €0 vs €9.
- Currency conversion fee is lower at Nexo: 0.2% to 2.5% vs 2%.
- Free ATM withdrawals is higher at Nexo: €200 to €2,000 vs €0.
- Support channels: only Qonto_AT offers Phone.
- Features: only Nexo offers Crypto, Custodial.
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.
Qonto_AT
Qonto suits sole traders and small companies that want a euro account with a Mastercard card and an annual fee of €0. The account itself costs €9 a month and overdraft borrowing runs at 17.5%, so the card only pays off if you use it.
Score breakdown
| Area | Nexo | Qonto_AT |
|---|---|---|
| Cost | 9.2HigherFree monthly and annual fees sit against a currency conversion fee of 0.2% to 2.5%, so spending abroad costs more. | 9.1 |
| Offer | 9.3 | 9.4Higher |
| Trust | 8.4Higher | 8.2 |
What it costs in practice
A year with 1,000 spent abroad
Nexo
€2 to €25
12 × €0 + 0.2% to 2.5% of 1,000
Qonto_AT
€128
12 × €9 + 2% of 1,000
Nexo costs €126 less.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Licences and countries
| Country | Nexo | Qonto_AT |
|---|---|---|
| Argentina | Not confirmed | |
| Australia | AUSTRAC (Australia) DCE100843695-001 | Not confirmed |
| France | Not confirmed | FR_ACPR PSD_PI FR_ACPR!68677 |
| Hong Kong | Companies Registry (Hong Kong) TC007556 | Not confirmed |
| Poland | Ministry of Finance (Poland) RDWW-533 | Not confirmed |
| Seychelles | Not confirmed | |
| United States | Not confirmed |
Available in 8 countries for both. Additional countries for Nexo: 28.
What we checked
Nexo
- nexo.com: 13 facts, checked September 26, 2026
Qonto_AT
- qonto.com: 10 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
How they place
| Ranking | Nexo | Qonto_AT |
|---|---|---|
| Debit cards | 11 of 1336 | 9 of 1336 |
| Credit cards | 10 of 1020 | 7 of 1020 |
| Business debit cards | 4 of 201 | 2 of 201 |
| Travel cards | 9 of 443 | 7 of 443 |
Every fact side by side
| Fact | Nexo | Qonto_AT |
|---|---|---|
| Features | Multi currency, Crypto, Virtual card, Custodial, TravelCovers more | Multi currency, Virtual card, Travel |
| Audience | Business | Business |
| Legal entity | DiPocket UAB | QONTO |
| Headquarters | Not confirmed | France |
| Founded | 2018 | 2017Lower |
| Support channels | Chat, Email, Help centre | Chat, Email, Phone, Help centreCovers more |
Credit cards
| Fact | Nexo | Qonto_AT |
|---|---|---|
| Annual fee | €0 | €0 |
| APR | from 1.9%Lower | 17.5% |
| Rewards type | Cashback | None |
| Pricing model | No annual fee | No annual fee |
| 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 |
| 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 | Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost, Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans), Apple Pay and Google Pay compatible, 24/7 support in France, 7 days a week elsewhere |
| Cashback rate | 0.5% to 2% | Not confirmed |
| Card kind | Credit | Credit |
Where each stands against the rest
| Fact | Nexo | Qonto_AT | Median |
|---|---|---|---|
| Monthly fee | €0at the median | €9highest quarter | €0 |
| Currency conversion fee | 0.2% to 2.5%below the median | 2%above the median | 1 |
| Free ATM withdrawals | €200 to €2,000highest quarter | €0below the median | €4 |
| Cashback rate | 0.1% to 2%at the median | Not confirmed | 2 |
| Currencies | 100highest quarter | from 30highest quarter | 8 |
Median across 387 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.
Qonto_AT
Pros
- Annual card fee of €0, and card insurance covers travel, business purchases and fraud.
- Multi-currency, virtual card and travel features come with the Mastercard.
- Deferred debit is available at no extra cost on Plus and X Cards.
Cons
- The account charge of €9 a month sits above the site median €0.
- Conversion at 2% is above the site median 1%.
- Spend earns nothing back, with a rewards type of none.
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.
Qonto_AT
Who it suits
- A sole trader or small company paying staff and suppliers from the same euro account.
- Businesses spending across from 30 currencies that keep a balance in each.
- Teams wanting a virtual card for subscriptions next to a physical Mastercard.
Who should look elsewhere
- Anyone after cashback on spend, since the rewards type here is none, so Chime Card (Secured Visa Credit Card) is worth a look.
- Anyone without a company behind the account, as Qonto is built for business customers and Wise serves personal money.
- Anyone building a credit record first, for whom Varo Believe Secured Credit Card is the secured option.
Current offers
Qonto_AT
Current offer
Free trial
1-month free trial on Qonto business account plans: 1 month free
Offered on the Basic, Smart and Premium business account plans; displayed prices are monthly equivalents billed annually
Source, checked September 26, 2026
Country by country
| Country | Nexo | Qonto_AT |
|---|---|---|
| Argentina | Yes | No |
| Australia | Yes | No |
| Bulgaria | Yes | No |
| Croatia | Yes | No |
| Cyprus | Yes | No |
| Czechia | Yes | No |
| Denmark | Yes | No |
| Estonia | Yes | No |
8 of 36 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.
Qonto_AT
What does a Qonto business account cost each month?+
The account itself is billed at €9 a month, while the card carries an annual fee of €0. Overdraft borrowing is charged at 17.5%, and currency conversion on the card costs 2%. Card spend itself adds nothing, so the running cost depends on borrowing and on how often you pay in another currency.
Who supervises Qonto in France?+
Qonto is supervised in France by ACPR (Autorite de Controle Prudentiel et de Resolution), recorded as 16958. The French register lists the same authority as PSD_PI FR_ACPR!68677, and France is the headquarters country. Both entries point to the same French body, so the account sits under a single named supervisor.
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