Updated September 28, 2026 · DebitCue Editorial Team
Nexo vs Wirex
Nexo
Wirex
Higher score in this comparison
Where Nexo and Wirex differ
| Compare | NexoReviewVisitVisit | WirexReviewVisitVisit |
|---|---|---|
| Monthly fee | €0 | $0 |
| Currency conversion fee | 0.2% to 2.5% | 0%Lower |
| Free ATM withdrawals | €200 to €2,000 | $400 |
| Cashback rate | 0.1% to 2% | 8%Higher |
| Card network | Mastercard | Visa |
| Currencies | 100 | 150Higher |
Same on both: Card type (Debit), Custody (Custodial).
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Key differences
- Wirex scores higher overall: 9.6 vs 8.9.
- Nexo is licensed in 5 more countries.
- Nexo is available in 35 more countries.
- Currency conversion fee is lower at Wirex: 0% vs 0.2% to 2.5%.
- Cashback rate is higher at Wirex: 8% vs 0.1% to 2%.
- Currencies is higher at Wirex: 150 vs 100.
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.
Wirex
Wirex suits people who want crypto spending, travel money and cashback on one custodial Visa debit card. Costs are the draw: a monthly fee of $0 and a currency conversion fee of 0% place it at the front of the 259 brands compared on conversion costs.
Score breakdown
| Area | Nexo | Wirex |
|---|---|---|
| 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 of $0 and a currency conversion fee of 0% keep running costs at the floor. |
| Offer | 9.3 | 9.9HigherCashback of 8% and 150 currencies with crypto and virtual card options drive the offer. |
| Trust | 8.4 | Not confirmed |
Where they rank in our lists
| Ranking | Nexo | Wirex |
|---|---|---|
| Debit cards | 11 of 1336 | 17 of 1336 |
| Travel cards | 9 of 443 | 12 of 443 |
Every fact side by side
| Fact | Nexo | Wirex |
|---|---|---|
| Features | Multi currency, Crypto, Virtual card, Custodial, Travel | Crypto, Custodial, Multi currency, Travel, Virtual card |
| Audience | Business | Not confirmed |
| Legal entity | DiPocket UAB | Wirex Limited |
| Founded | 2018 | Not confirmed |
| Support channels | Chat, Email, Help centre | Not confirmed |
Credit cards
| Fact | Nexo | Wirex |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| APR | from 1.9% | Not confirmed |
| Rewards type | Cashback | Not confirmed |
| Pricing model | No annual fee | 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 |
| 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 | Not confirmed |
Where each stands against the rest
| Fact | Nexo | Wirex | Median |
|---|---|---|---|
| Currency conversion fee | 0.2% to 2.5%below the median | 0%below the median | 1 |
| Cashback rate | 0.1% to 2%at the median | 8%highest quarter | 2 |
| Currencies | 100highest quarter | 150highest 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.
Wirex
Pros
- Monthly fee of $0 on a standard Visa debit account
- Currency conversion fee of 0%, ranked 1 of 259 brands
- Cashback of 8% returned on everyday card spending
Cons
- The account is custodial, so balances sit with Wirex Limited rather than with you
- Free ATM withdrawals of $400 rank 8 of 115
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.
Wirex
Who it suits
- Crypto holders who want to spend through a normal Visa debit card
- Travellers who convert several currencies at a low conversion fee
- Multi currency earners who want cashback and a virtual card
Who should look elsewhere
- People who want to hold their own keys, since the Wirex account is custodial
- Anyone wanting a plain current account: Starling Personal Account Debit Card charges £0
- Anyone who only needs a bank debit card: Wise charges a monthly fee of £0
Current offers
Wirex
Current offer
Bonus
Up to 8% Cashback on Card Spend - Wirex: Up to 8% cashback
Earnings subject to eligibility
Source, checked September 26, 2026
Country by country
| Country | Nexo | Wirex |
|---|---|---|
| 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 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.
Wirex
What does Wirex cost to hold each month?+
The monthly fee is $0 on the standard debit account, and Wirex ranks 1 of 419 brands compared on that measure. Costs are simple to state: the currency conversion fee is 0%, so there is little to add for everyday use.
What does Wirex charge to convert currency?+
The currency conversion fee is 0%, which places Wirex at 1 of 259 brands compared. Travellers moving between several of the 150 currencies held on the account can convert at that rate.
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