Updated October 17, 2026 · DebitCue Editorial Team
Nexo vs Wirex Card
Nexo
Wirex Card
Higher score in this comparison
What sets them apart
| Compare | NexoReviewVisitVisit | Wirex CardReviewVisitVisit |
|---|---|---|
| Monthly fee | €0 | $0 |
| Currency conversion fee | 0.2% to 2.5% | 0%Lower |
| Free ATM withdrawals | €200 to €2,000 | $0 |
| Cashback rate | 0.1% to 2% | 0.5% to 8%Higher |
| Card network | Mastercard | Visa |
| Currencies | 100 | from 150 |
| Custody | Custodial | Self custody |
Same on both: Card type (Debit).
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Key differences
- Wirex Card scores higher overall: 9.1 vs 8.9.
- Founded is lower at Wirex Card: 2014 vs 2018.
- Nexo is licensed in 3 more countries.
- Currency conversion fee is lower at Wirex Card: 0% vs 0.2% to 2.5%.
- Cashback rate is higher at Wirex Card: 0.5% to 8% vs 0.1% to 2%.
- Support channels: only Wirex Card offers Community.
- Features: only Nexo offers Custodial.
- Features: only Wirex Card offers Self custody.
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 Card
Wirex Card suits business users and frequent travellers abroad who want crypto spending on a multi-currency card, with a currency conversion fee of 0% and a monthly fee of $0. Self-custody, from 150 currencies and cashback of 0.5% to 8% add pull, though free ATM withdrawals are $0.
Score breakdown
| Area | Nexo | Wirex Card |
|---|---|---|
| Cost | 9.2Free monthly and annual fees sit against a currency conversion fee of 0.2% to 2.5%, so spending abroad costs more. | 9.4HigherHolds rank 1 on monthly fee and 1 on currency conversion, with fees of $0 a month and 0%. |
| Offer | 9.3Higher | 9.2 |
| Trust | 8.4 | 8.7Higher |
Ranges side by side
| Fact | Nexo | Wirex Card |
|---|---|---|
| Cashback rate | 0.1% to 2% | 0.5% to 8% |
How they place
| Ranking | Nexo | Wirex Card |
|---|---|---|
| Debit cards | 11 of 1336 | 30 of 1336 |
| Business debit cards | 4 of 201 | 8 of 201 |
| Travel cards | 9 of 443 | 19 of 443 |
Every fact side by side
| Fact | Nexo | Wirex Card |
|---|---|---|
| Features | Multi currency, Crypto, Virtual card, Custodial, Travel | Multi currency, Crypto, Virtual card, Self custody, Travel |
| Audience | Business | Business |
| Legal entity | DiPocket UAB | Wirex Limited |
| Headquarters | Not confirmed | United Kingdom |
| Founded | 2018 | 2014Lower |
| Support channels | Chat, Email, Help centre | Email, Chat, Help centre, CommunityCovers more |
Credit cards
| Fact | Nexo | Wirex Card |
|---|---|---|
| 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 Card | 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 | 0.5% to 8%highest quarter | 2 |
| Currencies | 100highest quarter | from 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 Card
Pros
- Currency conversion costs 0% on a debit card, so spending in another currency adds no extra cost.
- The monthly fee is $0 and the account supports from 150 currencies on the visa network.
- Self-custody and a virtual card are both listed features, alongside crypto spending and travel use.
Cons
- Free ATM withdrawals are $0, so cash machine visits cost extra; the card ranks 41 of 115 on that measure.
- Support runs on email, chat and help centre only, so there is no phone line for urgent problems.
- Cashback of 0.5% to 8% moves with the tier reached, so the headline rate is not guaranteed.
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 Card
Who it suits
- Businesses and freelancers paying in several currencies each month.
- Readers who want to spend crypto while keeping custody of their own funds.
- Travellers who want a virtual card for online bookings and a physical debit card for daily spending.
Who should look elsewhere
- Wise, whose monthly fee is £0, for anyone who wants a multi-currency account that keeps no crypto balance.
- Starling Personal Account Debit Card, with £0 a month, for straightforward current account banking rather than crypto spending.
- Bitpanda, whose monthly fee is €0, for readers who want a crypto card and not the business focus listed for Wirex.
Current offers
Wirex Card
Current offer
Discount code
50% subscription rebates on Wirex One card: 50% back in USD on eligible subscriptions (Uber One, ChatGPT Plus, Claude Pro, Perplexity Pro, Whoop, Bloomberg, Financial Times)
Pay for eligible subscriptions using the Wirex One card; rebate capped at the standard plan price for each service; tiers unlock more subscriptions
Source, checked September 26, 2026
Bonus
Up to 8% cashback on every purchase: 0.5% to 8% back in USD depending on membership tier
Every eligible purchase earns between 0.5% and 8% back in USD depending on tier; credited to Rewards Balance on transaction clearance
Source, checked September 26, 2026
Bonus
Wirex Exclusive Rewards Portal: Up to 16% cashback shopping online with 100+ partner retailers
Via the cashback portal at cashback.wirexapp.com
Source, checked September 26, 2026
Country by country
| Country | Nexo | Wirex Card |
|---|---|---|
| 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 Card
What does it cost to hold a Wirex Card?+
The monthly fee is $0 and the currency conversion fee is 0%, so holding the card and converting money both cost nothing. Cash machine withdrawals are the exception and are billed separately, so allow for a charge each time if you rely on cash in hand.
Will I pay a foreign transaction fee abroad?+
The currency conversion fee is 0%, so there is no charge for converting on the card. The account supports from 150 currencies, which lets you hold and spend in the currency of the place you are in instead of paying a conversion cost on every purchase.
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