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Krak Card vs Nexo Card

Nexo Card scores higher on the G2M score: 63/100 against 60/100 (#13 and #18 of 26 cards). Pick Krak Card for a lower FX fee; pick Nexo Card for cashback and more countries.

Krak Card60

#18 of 26 · Up to 2% back · annual fee none

Get KrakenRead 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 60/100 (#13 and #18 of 26 cards).
  • Nexo Card pays 0.5% cashback on its entry tier; Krak Card does not publish a rate. Higher tiers go up to 2% on Krak Card and 2% on Nexo Card.
  • Neither card has an annual fee.
  • Krak Card charges less on foreign currency: a 1% FX fee against 2%.
  • Krak Card lists 32 countries where it works; Nexo Card does not publish a full country list (34 confirmed so far). Of the markets we check for every card, only Krak Card is confirmed in United States.
  • Both are 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
Krak Card
Nexo Card
G2M score
60
63 (better)
Base cashback
Not published
0.5%
Max cashback
2%
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
None listed
None listed
ATM
Supported; fees 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
Mastercard
Card type
Debit
Varies by region
Custody
Custodial
Custodial
Formats
virtual, physical
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
No
No
United States
Yes
No
United Kingdom
Yes
Yes
EU / EEA
Yes
Yes
Countries
32
34
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
3 currencies
3 currencies
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
No
Yes
Yield on your balance
Yes
Yes
Tiers
Krak Card
Base · Silver · Gold · Platinum
Perks
—
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, Krak Card or Nexo Card?

Nexo Card scores higher on the G2M score: 63/100 against 60/100 (#13 and #18 of 26 cards). Pick Krak Card for a lower FX fee; 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, Krak Card or Nexo Card?

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

Which pays more cashback, Krak Card or Nexo Card?

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

Which works in more countries, Krak Card or Nexo Card?

Krak Card lists 32 countries where it works; Nexo Card does not publish a full country list (34 confirmed so far). Of the markets we check for every card, only Krak Card is confirmed in United States.

Who holds my funds with Krak Card and Nexo Card?

Both are 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.