Updated September 29, 2026 · HodlCue Editorial Team
Crypto.com Earn vs Nexo
Nexo
Higher score in this comparison
Crypto.com Earn
Crypto.com Earn vs Nexo: the differences
| Compare | Crypto.com EarnReviewSee alternativesSee alternatives | NexoReviewVisitVisit |
|---|---|---|
| Yield | 0.25% to 12% | 15%Higher |
| Supported assets | BTC, ETH, DAI, USDP, ALGO, AVAX, BNB, ADA, ATOM, EGLD, ONE, NEAR, DOT, POL, SOL, VET, ZIL, INJ, TIA, APT, KSM, KAVA, SEI, SUI, XTZ, MINA, FLIP, OSMO, GRT, AKT, ZETA, DYDX, FET, TON, AXL, BARA, LION, S, FLR, TAO, USDC, USDT | BTC, ETH, NEXO, USDT, USDC, DOT, XRP, SOL, EURC |
| Lock-up terms | Flexible, 1-month or 3-month fixed terms; Flash Rewards 7-day or 14-day lockups | Flexible with no lock-ups; fixed terms up to 12 months |
Same on both: Custody (Custodial).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Nexo scores higher overall: 9.0 vs 8.9.
- Crypto.com Earn is licensed in 6 more countries.
- Yield is higher at Nexo: 15% vs 0.25% to 12%.
- Supported assets: only Crypto.com Earn offers DAI, USDP, ALGO.
- Supported assets: only Nexo offers NEXO, XRP, EURC.
- Features: only Crypto.com Earn offers Liquid staking.
- Features: only Nexo offers Multi currency, Crypto, Virtual card.
Our verdict on each
Crypto.com Earn
Crypto.com Earn suits holders who want idle coins working inside one custodial app, with flexible or fixed terms and liquid staking on the side. Yields run 0.25% to 12% across a long asset list, and the operator is licensed in Malta as MiCA CASP 2549005CVR5HH70FDO07.
Nexo
Nexo suits spenders who want crypto linked payments without a card subscription, plus earn options tied to platform balances. Monthly fee is €0 with currency conversion fees of 0.2% to 2.5% and ATM allowance of €200 to €2,000 across supported balances on Mastercard rails.
Score breakdown
| Area | Crypto.com Earn | Nexo |
|---|---|---|
| Cost | Not confirmed | 9.1Monthly fee is €0 alongside conversion fees that run 0.2% to 2.5% for card spending. |
| Offer | 9.3 | 9.4HigherCard type is debit with earn yield of 15% under custodial holding. |
| Trust | 8.6 | 8.7HigherHolding is custodial with registration such as DCE100843695-001 in Australia. |
How they place
| Ranking | Crypto.com Earn | Nexo |
|---|---|---|
| Crypto staking and earn | 66 of 179 | 2 of 179 |
Every fact side by side
| Fact | Crypto.com Earn | Nexo |
|---|---|---|
| Features | Liquid staking | Multi currency, Crypto, Virtual card, Custodial, Travel |
| Legal entity | Foris DAX MT Limited | Not confirmed |
| Headquarters | Malta | Not confirmed |
| Founded | 2019 | Not confirmed |
| Support channels | Email, Chat, Help centre, Community | Not confirmed |
Where each stands against the rest
| Fact | Crypto.com Earn | Nexo | Median |
|---|---|---|---|
| Yield | 0.25% to 12%above the median | 15%highest quarter | 8 |
Median across 69 listed providers.
Pros and cons
Crypto.com Earn
Pros
- Broad asset list, from BTC and ETH through stablecoins to smaller tokens: BTC, ETH and DAI
- Yields run 0.25% to 12% on flexible balances or a fixed term
- Liquid staking sits alongside the simpler earn products: liquid staking
Cons
- Custody is custodial, so the operator holds the keys and a restricted account means no access to the coins
- Support runs on email, chat and help centre only, with no phone line among the channels
- The 0.25% to 12% range tops out below 0.5% to 19.2% at Bit2Me
Nexo
Pros
- Monthly fee is €0, keeping routine card upkeep free for regular spenders.
- ATM allowance spans €200 to €2,000, supporting cash access alongside card payments.
- Earn yield reaches 15% with lockup described as Flexible with no lock-ups; fixed terms up to 12 months, linking spending and rewards.
Cons
- Currency conversion fees run 0.2% to 2.5%, which exceeds Kraken at 0% and eToro at 0%.
- Balances remain in custodial custody, so private keys stay with the provider rather than with users.
- Support runs on chat, email and help centre only, which limits contact routes for users who prefer voice help.
Who each suits
Crypto.com Earn
Who it suits
- Holders already keeping coins on a custodial exchange who want them earning without moving them
- Savers able to leave funds in a fixed term for its full length
- People who want liquid staking in the same app as plain earn
Who should look elsewhere
- Bit2Me, whose yields run 0.5% to 19.2% and reach higher at the top end
- VaultLeap, if you only want USDC in scope: USDC
- bunq Crypto Spain, which quotes one rate of 8.25% instead of a range
Nexo
Who it suits
- Spenders who want debit payments from crypto balances with monthly fee of €0.
- Travellers and cross border shoppers who accept conversion fees of 0.2% to 2.5% on Mastercard rails.
- Savers who want earn yield of 15% alongside card use in custodial custody.
Who should look elsewhere
- Users seeking the lowest conversion charges may prefer Kraken, since Kraken charges 0% against Nexo fees of 0.2% to 2.5%.
- Users wanting direct control of keys may prefer self custody wallets over Nexo, since Nexo custody is custodial.
Country by country
| Country | Crypto.com Earn | Nexo |
|---|---|---|
| Argentina | No | Yes |
| Australia | No | Yes |
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
8 of 36 countries where either is available.
Questions about each
Crypto.com Earn
Which coins can I earn on?+
The list covers the majors plus plenty of smaller assets: BTC, ETH and DAI. BTC, ETH and SOL sit alongside stablecoins such as USDC, USDT, DAI and USDP, so you can hold a cash-like balance and riskier coins in the same earn account.
What yield do I earn?+
Yields run 0.25% to 12% across the products, from flexible balances to fixed terms. The median earn rate across the site is 7%, which places this offer near the middle of the field rather than at the top.
Nexo
What does the Nexo card cost to keep and use?+
Monthly fee is €0, so routine card upkeep carries no subscription charge. Currency conversion fees run 0.2% to 2.5%, which apply when spending across currencies. ATM allowance spans €200 to €2,000, which shapes cash access for frequent withdrawals.
How does the Nexo card work for payments?+
Nexo provides a debit card on the Mastercard network, referenced as Mastercard. Payments draw from crypto and fiat balances held on the platform. The structure suits users who prefer debit spending over borrowed credit.
Other options to compare
Nexo
Crypto.com Earn