G2MGWEI 2 MERCHANT
EN
Find your best card
Back
[ head to head ]

PEXX Card vs Tangem Pay

PEXX Card and Tangem Pay have the same G2M score: 62/100. Pick PEXX Card for a lower FX fee and more countries; pick Tangem Pay for control of your funds.

PEXX Card62

#19 of 39 · 1% back · annual fee none

Get PEXXRead the review
Tangem Pay62

#17 of 39 · 1% to 4% back · annual fee none

Get TangemRead the review

The short answer

  • PEXX Card and Tangem Pay have the same G2M score: 62/100.
  • Both pay 1% cashback on their entry tier. Higher tiers go up to 4% on Tangem Pay.
  • Neither card has an annual fee.
  • PEXX Card charges less on foreign currency: a 1.2% FX fee against 1.5%.
  • PEXX Card lists 68 countries where it works; Tangem Pay does not publish a full country list (50 confirmed so far). Of the markets we check for every card, only PEXX Card is confirmed in United Kingdom and EU / EEA, and only Tangem Pay is confirmed in United States.
  • PEXX Card is custodial; Tangem Pay 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
PEXX Card
Tangem Pay
G2M score
62
62
Base cashback
1%
1%
Max cashback
1%
4% (better)
Paid in
PEXX Points
USDC
Annual fee
Free
Free
FX fee
1.2% (better)
1.5%
Top-up fee
0%
0%
Per-purchase fee
0.6%
None listed
ATM
Not published
4% on Basic, 2% on Plus, 1% on Prestige
Network
Visa / Mastercard
Visa
Card type
Debit
Debit
Custody
Custodial
Non-custodial
Sign-up bonus (G2M link)
None published
None published
No ID check
ID needed or not stated
ID needed or not stated
Formats
virtual, physical
virtual, physical, metal
Apple / Google Pay
Yes / Yes
? / ?
India
No
Unclear
UAE
Yes
Yes
United States
No
Yes
United Kingdom
Yes
Unclear
EU / EEA
Yes
Unclear
Countries
68
Select regions worldwide
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
17 currencies
1 currency
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
Not confirmed
No
Yield on your balance
Yes
No
Tiers
PEXX Card
Basic · Plus · Prestige
Perks
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
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, PEXX Card or Tangem Pay?

PEXX Card and Tangem Pay have the same G2M score: 62/100. Pick PEXX Card for a lower FX fee and more countries; pick Tangem Pay for 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, PEXX Card or Tangem Pay?

Neither card has an annual fee. PEXX Card charges less on foreign currency: a 1.2% FX fee against 1.5%.

Which pays more cashback, PEXX Card or Tangem Pay?

Both pay 1% cashback on their entry tier. Higher tiers go up to 4% on Tangem Pay.

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

PEXX Card lists 68 countries where it works; Tangem Pay does not publish a full country list (50 confirmed so far). Of the markets we check for every card, only PEXX Card is confirmed in United Kingdom and EU / EEA, and only Tangem Pay is confirmed in United States.

Who holds my funds with PEXX Card and Tangem Pay?

PEXX Card is custodial; Tangem Pay 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.