2Fiat vs Nexo Card
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer: Nexo Card wins overall (6.7/10 vs 5.3/10). The right pick still depends on your priority - see the flow comparison below.
 2Fiat |  Nexo Card | |
|---|---|---|
| Overall score | 5.3 | 6.7 |
| BTC load | Direct BTC top-up (on-chain) | BTC via in-app conversion |
| BTC sale timing | Not documented | Not documented |
| KYC | No KYC | Full KYC |
| Custody | Custodial | Custodial |
| Top-up fee | 6.5% | 0% |
| FX fee | 2.5% | 0.2% |
| Monthly fee | none | none |
| Cashback | none | 2% in NEXO |
| Regions | GLOBAL | EEA, UK, LATAM |
Pick 2Fiat if
- Lighter KYC (No KYC vs Full KYC)
Pick Nexo Card if
- Known fee stack (9.0 vs 0.2 % equivalents on a $500/mo profile)
- Higher documented cashback (2% vs 0)
- Wider documented availability
2Fiat
A Monero-capable virtual Mastercard with Apple/Google Pay support and $10-$10,000 loads - a rare direct-XMR card. Until fees, limits and the operator behind it are verifiable, treat it as an unverified lead: fund only what you can afford to lose.
Nexo Card
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.