[ head to head ]

Nexo Card vs Tangem Pay

Nexo Card scores higher on the G2M score: 63/100 against 62/100 (#13 and #15 of 26 cards). Tangem Pay still comes out ahead on cashback, a lower FX fee, more countries and control of your funds.

Nexo Card63

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

Get Nexo Read the review

Tangem Pay62

#15 of 26 · 1% to 4% back · annual fee none

Get Tangem Read the review

The short answer

Nexo Card scores higher on the G2M score: 63/100 against 62/100 (#13 and #15 of 26 cards).
Tangem Pay pays more cashback on its entry tier: 1% against 0.5%. Higher tiers go up to 2% on Nexo Card and 4% on Tangem Pay.
Neither card has an annual fee.
Tangem Pay charges less on foreign currency: a 1.5% FX fee against 2%.
Tangem Pay is confirmed in more countries: 50 against 34, 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, and only Tangem Pay is confirmed in United States and UAE.
Nexo Card is custodial; Tangem Pay is self-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

Nexo Card

Tangem Pay

G2M score

Base cashback

0.5%

Max cashback

Paid in

NEXO or BTC

USDC

Annual fee

Free

FX fee

1.5%

Top-up fee

Per-purchase fee

None listed

ATM

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

4% on Basic, 2% on Plus, 1% on Prestige

Network

Mastercard

Visa

Card type

Varies by region

Debit

Custody

Custodial

Self-custodial

Formats

virtual, physical

virtual, physical, metal

Apple / Google Pay

Yes / Yes

? / ?

India

Unclear

UAE

Yes

United States

Yes

United Kingdom

Yes

Unclear

EU / EEA

Yes

Unclear

Countries

Select regions worldwide

Bank account (IBAN or account number)

In your name

Send money to a bank account

3 currencies

1 currency

Buy and sell crypto with fiat

Buy and sell

Spend against crypto without selling

Yes

Yield on your balance

Yes

Tiers

Base · Silver · Gold · Platinum

Basic · Plus · Prestige

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

Priority Pass lounges on Plus and Prestige · Welcome offer: 5% on your first $500 · 2 airport lounge visits a year · 8 airport lounge visits a year · Metal card

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, Nexo Card or Tangem Pay?

Nexo Card scores higher on the G2M score: 63/100 against 62/100 (#13 and #15 of 26 cards). Tangem Pay still comes out ahead on cashback, a lower FX fee, more countries and control of your funds. 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 Tangem Pay?

Neither card has an annual fee. Tangem Pay charges less on foreign currency: a 1.5% FX fee against 2%.

Which pays more cashback, Nexo Card or Tangem Pay?

Tangem Pay pays more cashback on its entry tier: 1% against 0.5%. Higher tiers go up to 2% on Nexo Card and 4% on Tangem Pay.

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

Tangem Pay is confirmed in more countries: 50 against 34, 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, and only Tangem Pay is confirmed in United States and UAE.

Who holds my funds with Nexo Card and Tangem Pay?

Nexo Card is custodial; Tangem Pay is self-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.