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Nexo Card vs PEXX Card

Nexo Card scores higher on the G2M score: 63/100 against 62/100 (#15 and #19 of 39 cards). PEXX Card still comes out ahead on cashback, a lower FX fee and more countries.

Nexo Card63

#15 of 39 · 0.5% to 2% back · annual fee none

Get NexoRead the review
PEXX Card62

#19 of 39 · 1% back · annual fee none

Get PEXXRead the review

The short answer

  • Nexo Card scores higher on the G2M score: 63/100 against 62/100 (#15 and #19 of 39 cards).
  • PEXX Card pays more cashback on its entry tier: 1% against 0.5%. Higher tiers go up to 2% on Nexo Card.
  • Neither card has an annual fee.
  • PEXX Card charges less on foreign currency: a 1.2% FX fee against 2%.
  • PEXX Card lists 68 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 PEXX Card is confirmed in UAE.
  • 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
Nexo Card
PEXX Card
G2M score
63 (better)
62
Base cashback
0.5%
1% (better)
Max cashback
2% (better)
1%
Paid in
NEXO or BTC
PEXX Points
Annual fee
Free
Free
FX fee
2%
1.2% (better)
Top-up fee
0%
0%
Per-purchase fee
None listed
0.6%
ATM
Free up to €200 (Base), €400 (Silver), €1,000 (Gold) or €2,000 (Platinum) a month (£180 to £1,800 in the UK), then 2% (min €1.99)
Not published
Network
Mastercard
Visa / Mastercard
Card type
Varies by region
Debit
Custody
Custodial
Custodial
Sign-up bonus (G2M link)
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)
None published
No ID check
ID needed or not stated
ID needed or not stated
Formats
virtual, physical
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
No
Yes
United States
No
No
United Kingdom
Yes
Yes
EU / EEA
Yes
Yes
Countries
34
68
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
3 currencies
17 currencies
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
Yes
Not confirmed
Yield on your balance
Yes
Yes
Tiers
Base · Silver · Gold · Platinum
PEXX Card
Perks
Credit mode: spend without selling your crypto · Personal EUR IBAN, GBP and USD accounts · Free ATM withdrawals up to €200 a month · Virtual card only · Free ATM withdrawals up to €400 a month
PEXX Earn: up to 4% APY on USD, USDT and USDC (tokenised US Treasuries) · USD account with routing and account number · Points convert to HeyMax Max Miles · QR payments in Indonesia, Malaysia, Singapore, Vietnam and the Philippines

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 12 Nov 2026; see each card's review for its sources.

Questions

Which is better, Nexo Card or PEXX Card?

Nexo Card scores higher on the G2M score: 63/100 against 62/100 (#15 and #19 of 39 cards). PEXX Card still comes out ahead on cashback, a lower FX fee 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, Nexo Card or PEXX Card?

Neither card has an annual fee. PEXX Card charges less on foreign currency: a 1.2% FX fee against 2%.

Which pays more cashback, Nexo Card or PEXX Card?

PEXX Card pays more cashback on its entry tier: 1% against 0.5%. Higher tiers go up to 2% on Nexo Card.

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

PEXX Card lists 68 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 PEXX Card is confirmed in UAE.

Who holds my funds with Nexo Card and PEXX 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.