Updated October 17, 2026 · HodlCue 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 9.0.
- 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%.
- Features: only Nexo offers Custodial.
- Features: only Wirex Card offers Self custody.
Our verdict on each
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.
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 | Nexo | Wirex Card |
|---|---|---|
| Cost | 9.1Monthly fee is €0 alongside conversion fees that run 0.2% to 2.5% for card spending. | 9.4HigherMonthly fee of $0 and a conversion fee of 0% keep card running costs at the floor of the brands compared. |
| Offer | 9.4HigherCard type is debit with earn yield of 15% under custodial holding. | 9.2 |
| Trust | 8.7Holding is custodial with registration such as DCE100843695-001 in Australia. | 8.7 |
Licences and countries
| Country | Nexo | Wirex Card |
|---|---|---|
| Argentina | Not confirmed | |
| Australia | AUSTRAC (Australia) DCE100843695-001 | Not confirmed |
| El Salvador | Not confirmed | |
| Hong Kong | Companies Registry (Hong Kong) TC007556 | Not confirmed |
| Malta | Not confirmed | |
| Poland | Ministry of Finance (Poland) RDWW-533 | Not confirmed |
| Seychelles | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority FRN 902025 |
Ranges side by side
| Fact | Nexo | Wirex Card |
|---|---|---|
| Cashback rate | 0.1% to 2% | 0.5% to 8% |
Positions in our rankings
| Ranking | Nexo | Wirex Card |
|---|---|---|
| Crypto debit cards | 2 of 145 | 15 of 145 |
Sources behind this comparison
Nexo
- nexo.com: 10 facts, checked September 26, 2026
Wirex Card
- wirexapp.com: 14 facts, checked September 26, 2026
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 | Not confirmed | Wirex Limited |
| Headquarters | Not confirmed | United Kingdom |
| Founded | Not confirmed | 2014 |
| Support channels | Not confirmed | Email, Chat, Help centre, Community |
Crypto earn
| Fact | Nexo | Wirex Card |
|---|---|---|
| Yield | 15% | Not confirmed |
| Supported assets | BTC, ETH, NEXO, USDT, USDC, DOT, XRP, SOL, EURC | Not confirmed |
| Lock-up terms | Flexible with no lock-ups; fixed terms up to 12 months | 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 | 0.25 |
| Cashback rate | 0.1% to 2%at the median | 0.5% to 8%highest quarter | 2 |
| Currencies | 100above the median | from 150above the median | 30 |
Median across 58 listed providers.
Pros and cons
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.
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
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.
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
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 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.
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.