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Nexo Card vs XPlace Card

Nexo Card scores higher on the G2M score: 63/100 against 57/100 (#14 and #22 of 36 cards). XPlace Card still comes out ahead on more countries and control of your funds.

Nexo Card63

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

Get NexoRead the review
XPlace Card57

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

Get XPlaceRead the review

The short answer

  • Nexo Card scores higher on the G2M score: 63/100 against 57/100 (#14 and #22 of 36 cards).
  • Both pay 0.5% cashback on their entry tier. Higher tiers go up to 2% on Nexo Card and 2% on XPlace Card.
  • Neither card has an annual fee.
  • Nexo Card charges 2% on foreign currency; XPlace Card does not publish its FX fee.
  • XPlace Card is confirmed in more countries: 233 against 34, though neither publishes a full list. Of the markets we check for every card, only XPlace Card is confirmed in United States and UAE.
  • Nexo Card is custodial; XPlace Card is non-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
XPlace Card
G2M score
63 (better)
57
Base cashback
0.5%
0.5%
Max cashback
2%
2%
Paid in
NEXO or BTC
USDC
Annual fee
Free
Free
FX fee
2%
Not published
Top-up fee
0%
0%
Per-purchase fee
None listed
None listed
ATM
Free up to $150 (Base), $300 (Silver), $600 (Gold) or $2,000 (Platinum) a month, then 2% (min $1.99)
Not published
Network
Mastercard
Visa
Card type
Varies by region
Varies by region
Custody
Custodial
Non-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
Yes
United Kingdom
Yes
Yes
EU / EEA
Yes
Yes
Countries
34
Worldwide except 17 countries (including India, China, Turkey and Vietnam) and 19 US states
Bank account (IBAN or account number)
In your name
Not confirmed
Send money to a bank account
3 currencies
Not confirmed
Buy and sell crypto with fiat
Buy and sell
Not confirmed
Spend against crypto without selling
Yes
Yes
Yield on your balance
Yes
Yes
Tiers
Base · Silver · Gold · Platinum
Basic · 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
Credit Mode: spend against crypto or tokenized stocks without selling · Yield on deposits through Kamino · Airport lounges and fast track on paid plans · 24/7 human support · Spending up to $2,000 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, Nexo Card or XPlace Card?

Nexo Card scores higher on the G2M score: 63/100 against 57/100 (#14 and #22 of 36 cards). XPlace Card still comes out ahead on 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 XPlace Card?

Neither card has an annual fee. Nexo Card charges 2% on foreign currency; XPlace Card does not publish its FX fee.

Which pays more cashback, Nexo Card or XPlace Card?

Both pay 0.5% cashback on their entry tier. Higher tiers go up to 2% on Nexo Card and 2% on XPlace Card.

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

XPlace Card is confirmed in more countries: 233 against 34, though neither publishes a full list. Of the markets we check for every card, only XPlace Card is confirmed in United States and UAE.

Who holds my funds with Nexo Card and XPlace Card?

Nexo Card is custodial; XPlace Card is non-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.

Nexo Card vs XPlace Card: fees, cashback and countries compared · G2M