Bitso 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 (6.2/10 vs unscored). The right pick still depends on your priority - see the flow comparison below.
Who wins what
Nexo CardHigher documented cashback (2% vs none)- Nexo CardApple Pay support
- Nexo CardGoogle Pay support
- Nexo CardWider documented availability
Rule-based on the documented facts below - no judgement calls.
 Bitso Card | Nexo Card | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| Lightning funding | no | no |
| BTC sale timing | Not documented | Not documented |
| Fees | ||
| Top-up fee | not documented | 0% |
| FX fee | not documented | 0.2% |
| Monthly fee | not documented | none |
| ATM fee | not documented | 2% |
| Cashback | not documented | 2% in NEXO |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | not documented | not documented |
| ATM daily limit | not documented | Free tier allowances: EUR 200-2,000 per month by loyalty tier |
| Max load | not documented | not documented |
| Availability | ||
| Regions | LATAM | EEA, UK, LATAM |
| Network | ? | Mastercard |
| Form factor | ? | Physical + virtual |
| Apple Pay | no (not documented as of 2026-11-07) | yes - Card page: 'Add your Nexo Card to Apple Pay' + 'Apple Pay and Google Pay supported for smooth, card-free transactions' + app flow 'Choose Add to Wallet ... spend with Apple Pay or Google Pay right away'. |
| Google Pay | no (not documented as of 2026-11-07) | yes - Card page: 'Add your Nexo Card to Apple Pay' + 'Apple Pay and Google Pay supported for smooth, card-free transactions' + app flow 'Choose Add to Wallet ... spend with Apple Pay or Google Pay right away'. |
| ATM withdrawal | no (not documented as of 2026-11-07) | yes (card + PIN 2%) |
Pick Bitso Card if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
Pick Nexo Card if
- Higher documented cashback (2% vs none)
- Wider documented availability
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
Bitso Card vs Blink CardBitso Card vs Bybit EU CardBitso Card vs Ledger CL CardBitso Card vs Fold Bitcoin Credit CardBitso Card vs Coinbase One CardBitso Card vs Goblin Card
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FAQ
Which is better for privacy, Bitso Card or Nexo Card?
Both cards sit at the same KYC depth: Bitso Card and Nexo Card require Full KYC. Privacy separates them only through custody model and data-sharing practice - documented in each review. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
Bitso Card: Not documented. Nexo Card: Not documented. Sale timing determines your price exposure between loading and spending.
Which is cheaper overall?
Compare the full stack - top-up, FX, monthly, ATM - against your own spending mix in the fee calculator. Headline numbers alone flip with real usage.
Facts checked 2026-11-02 · How we verify