Updated September 28, 2026 · DebitCue Editorial Team
Nexo vs Revolut
Nexo
Revolut
Higher score in this comparison
Nexo vs Revolut: the differences
| Compare | NexoReviewVisitVisit | RevolutReviewVisitVisit |
|---|---|---|
| Monthly fee | €0 | £0 |
| Currency conversion fee | 0.2% to 2.5% | 0% to 2%Lower |
| Free ATM withdrawals | €200 to €2,000 | £200 |
| Card network | Mastercard | Visa |
| Currencies | 100 | 160Higher |
| Cashback rate | 0.1% to 2% | Not confirmed |
| Custody | Custodial | Not confirmed |
Same on both: Card type (Debit).
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Key differences
- Revolut scores higher overall: 9.2 vs 8.9.
- Founded is lower at Revolut: 2015 vs 2018.
- Nexo is licensed in 3 more countries.
- Nexo is available in 7 more countries.
- Currency conversion fee is lower at Revolut: 0% to 2% vs 0.2% to 2.5%.
- Currencies is higher at Revolut: 160 vs 100.
- Support channels: only Revolut 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.
Revolut
Revolut suits readers who want a fee free multi-currency card for daily spending and trips abroad. Costs stay low with a monthly fee of £0 and conversion fees of 0% to 2%. The credit side costs more, with an annual fee of €0 and an APR of 13.34% to 17.99%.
Score breakdown
| Area | Nexo | Revolut |
|---|---|---|
| Cost | 9.2Free monthly and annual fees sit against a currency conversion fee of 0.2% to 2.5%, so spending abroad costs more. | 9.4HigherMonthly fee £0, annual fee €0, conversion fee 0% to 2% and £200 in free ATM withdrawals. |
| Offer | 9.3 | 9.9HigherRewards of 1.5 points per EUR1 on a points card, multi-currency across 160 currencies. |
| Trust | 8.4 | 8.6Higher |
Where these facts come from
Nexo
- nexo.com: 13 facts, checked September 26, 2026
Revolut
- moneytothemasses.com: 4 facts, checked September 26, 2026
- en.wikipedia.org: 2 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- pocketwise.co.uk: 2 facts, checked September 26, 2026
- revolut.com: 1 fact, checked September 26, 2026
How they place
| Ranking | Nexo | Revolut |
|---|---|---|
| Debit cards | 11 of 1336 | 23 of 1336 |
| Credit cards | 10 of 1020 | 19 of 1020 |
| Travel cards | 9 of 443 | 15 of 443 |
Every fact side by side
| Fact | Nexo | Revolut |
|---|---|---|
| Features | Multi currency, Crypto, Virtual card, Custodial, TravelCovers more | Multi currency, Virtual card, Travel |
| Audience | Business | Not confirmed |
| Legal entity | DiPocket UAB | Revolut Digital Assets (Europe) Ltd |
| Headquarters | Not confirmed | Cyprus |
| Founded | 2018 | 2015Lower |
| Support channels | Chat, Email, Help centre | Chat, Email, Phone, Help centreCovers more |
Credit cards
| Fact | Nexo | Revolut |
|---|---|---|
| Annual fee | €0 | €0 |
| APR | from 1.9%Lower | 13.34% to 17.99% |
| Rewards type | Cashback | Points |
| 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 | 1.5 points per EUR1 |
| 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 | Not confirmed |
| Cashback rate | 0.5% to 2% | Not confirmed |
| Card kind | Credit | Credit |
Where each stands against the rest
| Fact | Nexo | Revolut | Median |
|---|---|---|---|
| Currency conversion fee | 0.2% to 2.5%below the median | 0% to 2%below the median | 1 |
| Cashback rate | 0.1% to 2%at the median | Not confirmed | 2 |
| Currencies | 100highest quarter | 160highest 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.
Revolut
Pros
- No monthly cost, with a monthly fee of £0 and an annual fee of €0 on the credit card
- Currency conversion fees of 0% to 2% compare well with Wise at 0.1%
- Multi-currency balances across 160 currencies, and multi-currency is a 34.9% share of the brands compared
Cons
- The credit card charges an APR of 13.34% to 17.99%, below the field median of 20.97% but still a cost on borrowed money
- Rewards pay 1.5 points per EUR1 in points, while cashback is the most common rewards type at 49.5%
- Currency conversion fees of 0% to 2% sit above the median of 1% for the field, so frequent conversions add up
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.
Revolut
Who it suits
- Travellers holding money in several currencies, given 160 supported currencies
- Anyone who wants a fee free card, with a monthly fee of £0 and free withdrawals to £200
- Points earners who will use the 1.5 points per EUR1 rate on the credit card
Who should look elsewhere
- Anyone who wants cashback rewards, since points are the only reward type on offer and cashback leads the field at 49.5%
- Frequent travellers who want the thinnest conversion margin, since Wise charges 0.1%
- Borrowers who want a longer interest free window, as the credit card APR starts at 13.34% to 17.99%
Country by country
| Country | Nexo | Revolut |
|---|---|---|
| Argentina | Yes | No |
| Australia | Yes | No |
| Hong Kong | Yes | No |
| Iceland | Yes | No |
| Norway | Yes | No |
| Seychelles | Yes | No |
| Switzerland | Yes | No |
| Austria | Yes | Yes |
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.
Revolut
What does Revolut cost to hold each month?+
Revolut charges a monthly fee of £0, so the standard account costs nothing to keep open. That sits at position 1 of 419 brands in the comparison, and the field median monthly fee is €0.
What are the fees on the Revolut credit card?+
The credit card carries an annual fee of €0 and an APR of 13.34% to 17.99%. Revolut sits in the no-annual-fee model at no annual fee, and the site median APR across the credit field is 20.97%, so borrowing costs sit below the typical range.