Cash App Card vs Nexo Card

Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.

Cash App Card

Full KYCCustodialLightning

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Nexo Card

6.7

Full KYCCustodialBTC via in-app conversion

Get Nexo Card

Short answer too close to call on the weighted score. The decision is your use case: check the bitcoin-flow rows below.

	Cash App 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	You sell manually in the app	Not documented
Fees
Top-up fee	0%	0%
FX fee	3%	0.2%
Monthly fee	none	none
ATM fee	0%	2%
Cashback	none	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	US, UK	EEA, UK, LATAM
Network	Visa	Mastercard
Form factor	Physical + virtual	Physical + virtual
Apple Pay	yes	yes

Pick Cash App Card if

Cheaper ATM withdrawals (0% vs 2%)

Pick Nexo Card if

Known fee stack (3.0 vs 0.2 % equivalents on a $500/mo profile)
Higher documented cashback (2% vs 0)

Cash App Card

The most mainstream way to hold BTC next to a Visa debit - but the card itself never touches bitcoin: every spend requires selling first, which is a taxable event per transaction. Use it for the Boosts and the frictionless BTC auto-investing, not for crypto-native spending.

Full review

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.

Full review

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FAQ

Which is better for privacy, Cash App Card or Nexo Card?

Cash App Card requires Full KYC, while Nexo Card requires Full KYC. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.

When does my bitcoin get sold on each card?

Cash App Card: You sell manually in the app. 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 2026-10-05 · How we verify