Updated October 17, 2026 · HodlCue Editorial Team
Nebeus vs Wirex Card
Nebeus
Higher score in this comparison
Wirex Card
Nebeus vs Wirex Card: the differences
| Compare | NebeusReviewVisitVisit | Wirex CardReviewVisitVisit |
|---|---|---|
| Monthly fee | €0 | $0 |
| Free ATM withdrawals | €2,000 | $0 |
| Cashback rate | 0% | 0.5% to 8%Higher |
| Custody | Custodial | Self custody |
| Card network | Not confirmed | Visa |
| Currencies | Not confirmed | from 150 |
Same on both: Currency conversion fee (0%), Card type (Debit).
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Key differences
- Nebeus scores higher overall: 9.2 vs 9.1.
- Cashback rate is higher at Wirex Card: 0.5% to 8% vs 0%.
- Support channels: only Wirex Card offers Email, Chat, Community.
- Features: only Nebeus offers Custodial.
- Features: only Wirex Card offers Self custody, Travel.
Our verdict on each
Nebeus
Nebeus is a Spanish exchange that pays 15% on staked balances, with terms that allow instant unstake, so the money stays moveable while it works. It suits readers in Spain who want one regulated place for trading, staking and a card with a €0 monthly charge.
Wirex Card
Wirex Card suits business users who want to spend stablecoins and crypto from a self-custody account. The monthly fee is $0 and the currency conversion fee is 0%, which keeps everyday card costs low for anyone paying suppliers abroad in many currencies.
Score breakdown
| Area | Nebeus | Wirex Card |
|---|---|---|
| Cost | Not confirmed | 9.4Monthly fee of $0 and a conversion fee of 0% keep card running costs at the floor of the brands compared. |
| Offer | 9.3HigherStaking pays 15% on USDC, AVAX and AAVE. Lock-up terms are No lock-up, instant unstake. The card adds a €0 fee. | 9.2 |
| Trust | 9.1Higher | 8.7 |
Which one suits you
Pick Nebeus if trust matter most.
Pick Wirex Card if cashback rate matter most.
Where they rank in our lists
| Ranking | Nebeus | Wirex Card |
|---|---|---|
| Crypto debit cards | 11 of 145 | 15 of 145 |
Licences and countries
| Country | Nebeus | Wirex Card |
|---|---|---|
| El Salvador | Not confirmed | |
| Malta | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority FRN 902025 |
If neither fits
whitebit has cashback rate at 10%, against 0% for Nebeus and 0.5% to 8% for Wirex Card.
whitebit reviewWhat we checked
Nebeus
- nebeus.com: 5 facts, checked September 26, 2026
- opencryptocards.com: 5 facts, checked September 26, 2026
- cryptonoshi.com: 1 fact, checked September 26, 2026
Wirex Card
- wirexapp.com: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | Nebeus | Wirex Card |
|---|---|---|
| Features | Multi currency, Crypto, Virtual card, Custodial | Multi currency, Crypto, Virtual card, Self custody, Travel |
| Audience | Not confirmed | Business |
| Legal entity | Rintral Trading SLU | Wirex Limited |
| Headquarters | Spain | United Kingdom |
| Founded | 2014 | 2014 |
| Support channels | Help centre | Email, Chat, Help centre, CommunityCovers more |
Crypto exchanges
| Fact | Nebeus | Wirex Card |
|---|---|---|
| Coins listed | 30 | Not confirmed |
| Regulators | Bank of Spain (CNMV) | Not confirmed |
| Fiat deposit methods | Bank | Not confirmed |
| Exchange type | Cex | Not confirmed |
Where each stands against the rest
| Fact | Nebeus | Wirex Card | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | 0%below the median | 0.25% |
| Cashback rate | 0%lowest quarter | 0.5% to 8%highest quarter | 2% |
| Currencies | Not confirmed | from 150above the median | 30 |
Median across 58 listed providers.
Pros and cons
Nebeus
Pros
- Staking pays 15%, above the 7% typical of the earn group and well above bunq Crypto Spain at 8.25%
- No lock-up, instant unstake applies, so staked coins can be unstaked straight away, unlike products that tie the balance for a set period
- The card carries a €0 charge and a 0% currency conversion fee, and a €2,000 free ATM withdrawal allowance
Cons
- 30 listed coins sits well under the 137.5 for the earn group, so the trading list is thin
- custodial is the model, so the platform holds the keys and readers who want a wallet of their own may prefer a self-custody setup
- Support runs on help centre only, with no live chat or phone line listed
Wirex Card
Pros
- A monthly fee of $0 and a currency conversion fee of 0% keep running costs at the floor
- Custody is self custody, so the keys sit with the account holder rather than with the platform
- A debit card on the visa network, with a virtual card among the listed features
Cons
- The free ATM withdrawal allowance is $0, so cash withdrawals cost extra
- Support runs on email, chat and help centre only, so there is no phone line listed
- The listed audience is business, so the card is not aimed at personal account holders
Who each suits
Nebeus
Who it suits
- Readers in Spain who want a regulated exchange and card in one account
- Stakers who want a 15% return and need to move funds without a fixed term
- People who want to hold 30 and use a debit card for everyday spending
Who should look elsewhere
- Coin maximalists, who should pick a platform with a much longer asset list than 30
- Anyone who wants to hold their own keys, since Nebeus runs custodial
- Readers who want chat or phone support, since Nebeus lists help centre only
Wirex Card
Who it suits
- Business users paying suppliers in stablecoins or crypto
- Anyone who wants to hold the keys themselves, with custody listed as self custody
- Multi-currency spenders and travellers, with from 150 listed currencies
Who should look elsewhere
- Monzo Flex, whose monthly fee is £0, suits readers who want everyday banking without touching crypto
- Wise, whose monthly fee is £0, is the fit for multi-currency spending with no digital assets on the account
- Bitpanda, at a monthly fee of €0, is the alternative for a card centred on digital assets rather than business banking
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
Questions about each
Nebeus
What yield does Nebeus pay on staking?+
Nebeus states a 15% return on staked balances. That sits above the 7% across the earn group, though the page figure is a headline rate rather than a locked-in annual return. Read it alongside the assets you intend to stake.
Can I unstake straight away?+
Yes. No lock-up, instant unstake applies, so positions are not tied up for a fixed period. That flexibility is worth more to some readers than a slightly higher rate on a product that locks a balance for a set term.
Wirex Card
How much does the Wirex Card cost to hold and to use?+
There is no standing charge: the monthly fee is $0 and spending abroad converts at a currency conversion fee of 0%. Cashback on purchases runs at 0.5% to 8%, so the card earns a small return as well.
Is the card aimed at business users?+
The listed audience is business, and the card is built for that group. The monthly fee is $0, so keeping the card costs nothing, and the listed features include multi-currency, crypto, virtual-card, self-custody and travel functions.