Yearly cost at three spending levels
| Monthly spend | Nexo | Wirex |
|---|---|---|
| $500 | ≤ -$24 Debit Mode or under $5,000 | ≤ +$30 Base |
| $2,000 | ≤ -$96 Debit Mode or under $5,000 | ≤ +$120 Base |
| $5,000 | ≤ -$240 Debit Mode or under $5,000 | ≤ +$300 Base |
Net value per year: cashback minus conversion, FX, ATM and fixed fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | Nexo Debit Mode or under $5,000 | Wirex Base |
|---|---|---|
| Top-up and conversion fees | Not disclosed | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$96 | $0 |
| ATM fees | $0 | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | $0 | +$120 |
| Net per year | -$96 | +$120 |
Fees
Nexo charges Not disclosed to convert or top up and 2% on spending in a foreign currency. Wirex charges 0% and 0%.
ATM withdrawals: Nexo 2% + €1.99 after €200 free a month; Wirex no card fee.
A virtual card costs nothing with Nexo and nothing with Wirex. A physical card costs an undisclosed fee and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
Nexo cashback: 0% to 2%. Wirex cashback: 0.5% to 8%.
Nexo tiers: Debit Mode or under $5,000: 0%; Base: 0.5%, capped at $50 a month; Silver: 0.7%, capped at $100 a month; Gold: 1%, capped at $150 a month; Platinum: 2%, capped at $200 a month.
Wirex tiers: Base: 0.5%; Premium: 1%; Elite: 3%; Private: 5%; Bespoke: 8%.
Nexo: Cashback applies only to Credit Mode purchases (spending borrowed against your crypto), never to Debit Mode. You need a portfolio of at least $5,000, and your Loyalty tier is set by the share of NEXO Tokens in your portfolio (Silver 1%, Gold 5%, Platinum 10%). Rates shown are for NEXO Token payouts; choosing BTC pays 0.1% to 0.5%. Monthly reward caps reset on the 1st.
Wirex: Cashback is paid in USD, with no monthly cap and no subscription. Your tier depends on two things together, portfolio value and the share of it held in the $WPAY token. It is recalculated daily, and a downgrade waits 24 hours. Users moved from X-tras plans keep legacy rates (Base 1%, Premium 3%, Elite 8%) for about 3 months.
Availability and KYC
Nexo is offered in 33 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal, Spain, United Kingdom and Argentina. Nexo lists the EEA, Andorra, Monaco, the UK and Argentina "and other selected jurisdictions", so the list is not complete; the app's Check eligibility screen is final. Bulgaria is excluded because Nexo says its services are unavailable there. Personal accounts only. The card can be issued in EUR, GBP or USD. The DiPocket card terms cover EEA and UK residents only; the issuer for Argentina is not published.
Wirex is offered in 73 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal, Spain, United Kingdom, Australia and Malaysia. In 2026 Wirex moved its consumer app to Wirex One, a self-custodial wallet (keys held through Privy) with fiat accounts and the card as regulated add-ons. The old Wirex app becomes read-only once an account moves over. The card issuer depends on region (see issuer), but fees and rewards are the same everywhere. You can receive crypto without verification; the card needs KYC.
Nexo needs full KYC and Wirex needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
Nexo publishes a daily spending limit of €70,000, a monthly limit of €300,000 and ATM withdrawals of up to €2,000 a day.
Wirex publishes a daily spending limit of €30,000, a monthly limit of €30,000 and ATM withdrawals of up to €750 a day.
Nexo works with Apple Pay and Google Pay, and Wirex does not list either. Nexo issues a virtual card you can use straight away.
Custody and safety
Nexo scores 63/100. Licensing: issued by a bank or e-money institution regulated in a tier-one jurisdiction. The card is issued through DiPocket UAB. 2023-01-19: Nexo Capital Inc. agreed to pay a $22.5 million SEC penalty, plus $22.5 million to US state regulators, over its unregistered Earn Interest Product. 2026-01-14: California's DFPI fined Nexo Capital Inc. $500,000 for making loans to California residents without a lender licence and without checking their ability to repay. Card funds are not stored with DiPocket; Nexo settles each card transaction, and the card terms say DiPocket "does not issue electronic money to you". Nexo's real-time reserves attestation (Armanino from 2021, Moore Johannesburg from April 2023) no longer has a live page, and we found no dated reserves report for 2025 or 2026.
Wirex scores 85/100. Licensing: issued by a bank or e-money institution regulated in a tier-one jurisdiction. The card is issued through Transact Payments Malta Limited. No incidents or enforcement actions found in the last 36 months. Card spending draws on assets in the user's self-custodial wallet. Fiat IBAN balances are a regulated service run through third-party providers. We found no official enforcement action or hack for 2024 to 2026. The H1 2026 Transparency Report covers financial-crime metrics, not reserves.
Full reports: Nexo safety check and Wirex safety check.
About each card
Nexo Card is a custodial Mastercard from Nexo Services Sp. z o.o. (Poland). It tops up with USDT, USDC, BTC and ETH and its balance is held in EUR.
Wirex One Card is a self-custody Mastercard from UAB Wirex (Lithuania), part of the Wirex Group. It tops up with USDC, USDT, EURC, BTC and ETH and its balance is held in EUR.
Which card fits you
Nexo fits if
- Its fees and availability match your situation better on the table above.
Wirex fits if
- You want to keep crypto in your own wallet until each payment.
- You spend in foreign currencies often, since its FX markup is lower.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You want a higher cashback ceiling (up to 8%).
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Read more: Nexo fees and details · Wirex fees and details