Bitrefill Card 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 ranks higher on the documented evidence (6.5/10 vs unscored). The right pick still depends on your priority - see the flow comparison below.
| Bitrefill Card |  Nexo Card | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| Lightning funding | balance only, not the card | no |
| BTC sale timing | BTC sold when you top up | Not documented |
| Fees | ||
| Top-up fee | 1.99% | 0% |
| FX fee | 0% | 0.2% |
| Monthly fee | none | none |
| ATM fee | 2.49% | 2% |
| Cashback | 1% in EUR | 2% in NEXO |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Hybrid | Custodial |
| Limits | ||
| Daily spend limit | $10000.0 | not documented |
| ATM daily limit | not documented | Free tier allowances: EUR 200-2,000 per month by loyalty tier |
| Max load | $15000.0 | not documented |
| Availability | ||
| Regions | EEA | EEA, UK, LATAM |
| Network | Visa | Mastercard |
| Form factor | Physical + virtual | Physical + virtual |
| Apple Pay | no / unknown | yes |
Pick Bitrefill Card if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
Pick Nexo Card if
- Known fee stack (2.0 vs 0.2 % equivalents on a $500/mo profile)
- Higher documented cashback (2% vs 1)
- Cheaper ATM withdrawals (2% vs 2.49%)
- Wider documented availability
Bitrefill Card
exists - active; EEA-only Visa-Karte (Wallester AS), crypto-to-EUR at_load (1.99% + Spread), Cashback 1%+1% in EUR/Store-Credit statt BTC
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.
More head-to-heads
FAQ
Which is better for privacy, Bitrefill Card or Nexo Card?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-11-02 · How we verify