[ head to head ]

Hyperbeat Pay Card vs Nexo Card

Nexo Card scores higher on the G2M score: 63/100 against 22/100 (#14 and #36 of 36 cards). Pick Hyperbeat Pay Card for control of your funds; pick Nexo Card for cashback and more countries.

Hyperbeat Pay Card22

#36 of 36 · 0.2% to 12% back · annual fee Not published

Get Hyperbeat Read the review

Nexo Card63

#14 of 36 · 0.5% to 2% back · annual fee none

Get Nexo Read the review

The short answer

Nexo Card scores higher on the G2M score: 63/100 against 22/100 (#14 and #36 of 36 cards).
Nexo Card pays more cashback on its entry tier: 0.5% against 0.2%. Higher tiers go up to 12% on Hyperbeat Pay Card and 2% on Nexo Card.
Nexo Card has no annual fee; Hyperbeat Pay Card does not publish its annual fee.
Nexo Card charges 2% on foreign currency; Hyperbeat Pay Card does not publish its FX fee.
Nexo Card is confirmed in more countries: 34 against 1, though neither publishes a full list. Of the markets we check for every card, only Hyperbeat Pay Card is confirmed in United States, and only Nexo Card is confirmed in United Kingdom and EU / EEA.
Hyperbeat Pay Card is non-custodial; Nexo Card is custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Hyperbeat Pay Card

Nexo Card

G2M score

Base cashback

0.2%

0.5%

Max cashback

12%

Paid in

WHYPE

NEXO or BTC

Annual fee

Not published

Free

FX fee

Not published

Top-up fee

Not published

Per-purchase fee

None listed

ATM

Not published

Free up to $150 (Base), $300 (Silver), $600 (Gold) or $2,000 (Platinum) a month, then 2% (min $1.99)

Network

Visa

Mastercard

Card type

Varies by region

Custody

Non-custodial

Custodial

Sign-up bonus (G2M link)

None published

You and your friend split a 0.5% NEXO bonus on the friend's 30-day average balance if they add $5,000+ within 30 days and keep it above $5,000 (up to $5,000 in NEXO in total)

No ID check

ID needed or not stated

Formats

virtual

virtual, physical

Apple / Google Pay

? / ?

Yes / Yes

India

Unclear

UAE

Unclear

United States

Yes

United Kingdom

Unclear

Yes

EU / EEA

Unclear

Yes

Countries

Worldwide except sanctioned countries (Cuba, Iran, North Korea, Sudan, Syria) and Ontario, Canada; US residents under a separate US card agreement; no full country list

Bank account (IBAN or account number)

Not confirmed

In your name

Send money to a bank account

Not confirmed

3 currencies

Buy and sell crypto with fiat

Buy and sell

Spend against crypto without selling

Yes

Yield on your balance

Yes

Tiers

Everyday · All boosters · Trader $1M · Trader $5M

Base · Silver · Gold · Platinum

Perks

Credit Mode: spend against BTC, ETH, SOL or HYPE without selling · Savings, trading and card in one non-custodial account · Virtual card now, physical card waitlist · Four boosters add 0.2% each: hold $1,000 or $10,000, spend $1,000 or $10,000 in 30 days

Credit mode: spend without selling your crypto · Personal EUR IBAN, GBP and USD accounts · Free ATM withdrawals up to $150 a month · Free ATM withdrawals up to $300 a month · Free ATM withdrawals up to $600 a month

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, Hyperbeat Pay Card or Nexo Card?

Nexo Card scores higher on the G2M score: 63/100 against 22/100 (#14 and #36 of 36 cards). Pick Hyperbeat Pay Card for control of your funds; pick Nexo Card for cashback and more countries. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, Hyperbeat Pay Card or Nexo Card?

Nexo Card has no annual fee; Hyperbeat Pay Card does not publish its annual fee. Nexo Card charges 2% on foreign currency; Hyperbeat Pay Card does not publish its FX fee.

Which pays more cashback, Hyperbeat Pay Card or Nexo Card?

Nexo Card pays more cashback on its entry tier: 0.5% against 0.2%. Higher tiers go up to 12% on Hyperbeat Pay Card and 2% on Nexo Card.

Which works in more countries, Hyperbeat Pay Card or Nexo Card?

Nexo Card is confirmed in more countries: 34 against 1, though neither publishes a full list. Of the markets we check for every card, only Hyperbeat Pay Card is confirmed in United States, and only Nexo Card is confirmed in United Kingdom and EU / EEA.

Who holds my funds with Hyperbeat Pay Card and Nexo Card?

Hyperbeat Pay Card is non-custodial; Nexo Card is custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.