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Karta.io Card vs Nexo Card

Nexo Card scores higher on the G2M score: 63/100 against 40/100 (#13 and #26 of 26 cards). Pick Karta.io Card for a lower FX fee and control of your funds; pick Nexo Card for cashback and more countries.

Karta.io Card40

#26 of 26 · Not published back · annual fee none

Get Karta.ioRead the review
Nexo Card63

#13 of 26 · 0.5% to 2% back · annual fee none

Get NexoRead the review

The short answer

  • Nexo Card scores higher on the G2M score: 63/100 against 40/100 (#13 and #26 of 26 cards).
  • Nexo Card pays 0.5% cashback on its entry tier; Karta.io Card does not publish a rate. Higher tiers go up to 2% on Nexo Card.
  • Neither card has an annual fee.
  • Karta.io Card charges less on foreign currency: a 1% FX fee against 2%.
  • Nexo Card is confirmed in more countries: 34 against 0, though neither publishes a full list. Of the markets we check for every card, only Nexo Card is confirmed in United Kingdom and EU / EEA.
  • Karta.io Card is self-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

Detail
Karta.io Card
Nexo Card
G2M score
40
63 (better)
Base cashback
Not published
0.5%
Max cashback
Not published
2%
Paid in
Not published
NEXO or BTC
Annual fee
Free
Free
FX fee
1% (better)
2%
Top-up fee
0%
0%
Per-purchase fee
1.5%
None listed
ATM
1 USDT + 2.5% per withdrawal
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
Prepaid
Varies by region
Custody
Self-custodial
Custodial
Formats
virtual, physical
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
No
UAE
Unclear
No
United States
No
No
United Kingdom
Unclear
Yes
EU / EEA
Unclear
Yes
Countries
Not published; depends on local rules and card partners
34
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
No
3 currencies
Buy and sell crypto with fiat
Buy only
Buy and sell
Spend against crypto without selling
No
Yes
Yield on your balance
No
Yes
Tiers
Karta Personal
Base · Silver · Gold · Platinum
Perks
Visa Signature · Fiat top-ups by ACH, SEPA, SWIFT, PIX and SPEI
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, Karta.io Card or Nexo Card?

Nexo Card scores higher on the G2M score: 63/100 against 40/100 (#13 and #26 of 26 cards). Pick Karta.io Card for a lower FX fee and 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, Karta.io Card or Nexo Card?

Neither card has an annual fee. Karta.io Card charges less on foreign currency: a 1% FX fee against 2%.

Which pays more cashback, Karta.io Card or Nexo Card?

Nexo Card pays 0.5% cashback on its entry tier; Karta.io Card does not publish a rate. Higher tiers go up to 2% on Nexo Card.

Which works in more countries, Karta.io Card or Nexo Card?

Nexo Card is confirmed in more countries: 34 against 0, though neither publishes a full list. Of the markets we check for every card, only Nexo Card is confirmed in United Kingdom and EU / EEA.

Who holds my funds with Karta.io Card and Nexo Card?

Karta.io Card is self-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.