Revolut vs Nexo Card: which crypto card wins in 2026?
Head-to-head on the facts that decide your money: fee stacks, KYC levels, top-up coins, limits and cashback - every number sourced in the linked reviews.
Short answer: too close to call - they score 6.6/10 and 6.5/10 in our weighted review. The deciding factor is your priority: Revolut for availability, Nexo Card for rewards. Facts checked 2026-11-04.
 Revolut |  Nexo Card | |
|---|---|---|
| Overall score (0-10) | 6.6 | 6.5 |
| Card | Debit card · Visa · Virtual + physical | Debit card · Mastercard · Virtual + physical |
| KYC | Full KYC | Full KYC |
| KYC trigger | Full onboarding KYC (regulated EMI/bank depending on region) | Identity verification with a supported document issued in th… moreIdentity verification with a supported document issued in the EEA, UK or another eligible European country |
| Custody | Custodial balance | Custodial balance |
| Direct top-up coins | via convert: BTC, ETH, XRP, SOL… | USDT, USDC, EURX, USDX, GBPX |
| Top-up fee | 0% | 0% |
| FX fee | 1% | 0.2% |
| Monthly fee | none | none |
| ATM fee | 2% | 2% |
| Monthly spend limit | - | Higher limits via Nexo Private ($100,000+ assets) |
| ATM daily limit | - | Free tier allowances: EUR 200-2,000 per month by loyalty tier |
| Cashback | none | 2% in NEXO or BTC |
| Apple Pay | no / unknown | yes |
| Google Pay | no / unknown | yes |
| Regions | Europe (EEA), UK, USA | Europe (EEA), UK |
| Operator | Revolut | Nexo |
Score breakdown
Revolut scores higher on limits (+1), availability (+4) · Nexo Card scores higher on fees (+1), rewards (+2) - weighted sub-scores, which include fees the headline numbers above leave out.
why 6.6/10?
why 6.5/10?
Revolut at a glance
The mainstream choice if you want crypto spend inside a full banking app - regulated, mature, multi-plan. Crypto card payments carry no exchange fee but the plan fair-usage limit counts crypto exchanges, each payment is a taxable disposal, and the September 2026 data breach exposed identity and transaction data. Solid for banking, honest about the crypto side-feature trade-offs.
What works
- Regulated banking-grade provider with a long track record
- Full banking app: accounts, transfers, cards in one place
- Crypto balances spendable anywhere Visa is accepted
What to watch
- Crypto spend = auto-sell at each payment with spread + plan-based fees (taxable)
- No direct crypto top-up onto the card - it is a fiat card fed by in-app conversion
- Full KYC; crypto features restricted by region
- Weekend FX markup on fiat spending
Nexo Card at a glance
The most complete dual-mode card: one tap switches between spending your crypto (Debit, with daily interest) and borrowing against it (Credit, from 1.9%) - with free ATM allowances up to EUR 2,000/month and no card fees. The catch: meaningful cashback needs a $5,000+ portfolio and is denominated in NEXO, and it is EEA/UK-only.
What works
- Unique dual-mode: spend (Debit) or borrow without selling (Credit) with one tap
- Free ATM allowances up to EUR 2,000/month (Platinum tier)
- No monthly/annual/inactivity fees; free virtual card from $50 balance
- Interest on unspent balance (up to 13% APY advertised) while spending
- Apple Pay + Google Pay; SOC 2 Type 2; established 2018 operator, DiPocket UAB issuer
What to watch
- EEA + UK only, full KYC
- Cashback only in Credit Mode with $5,000+ portfolio, mostly in NEXO tokens
- Weekend FX fees 0.7%/2.5%; rest-of-world weekday FX 2%
- Physical card requires Gold tier ($5,000+)
- Borrowing in Credit Mode costs interest from 1.9%
FAQ
Which is better for privacy, Revolut or Nexo Card?
Both are comparable on privacy: Revolut requires Full KYC, while Nexo Card requires Full KYC. Check the dated KYC facts in each review before applying.
Which is cheaper, Revolut or Nexo Card?
Nexo Card runs the cheaper headline fee stack (0.2% load+FX vs 1%). Subscriptions, ATM fees and caps can flip that - run both through the true-cost calculator for your spending.
Which pays better cashback, Revolut or Nexo Card?
Nexo Card pays the higher headline cashback (2% vs 0%). Caps, tiers and payout token matter as much as the number - check the cashback rows in each review.
Scores and facts: meta-reviews with dated sources - Revolut · Nexo Card. Method: how we verify. More: all crypto cards compared.