ether.fi Cash vs Nexo Card
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer: too close to call on the weighted score. The decision is your use case: check the bitcoin-flow rows below.
 ether.fi Cash |  Nexo Card | |
|---|---|---|
| Overall score | 6.4 | 6.7 |
| BTC load | Direct BTC top-up (on-chain) | BTC via in-app conversion |
| BTC sale timing | Not documented | Not documented |
| KYC | Full KYC | Full KYC |
| Custody | Self-custody | Custodial |
| Top-up fee | 0% | 0% |
| FX fee | 1% | 0.2% |
| Monthly fee | none | none |
| Cashback | 3% in ETHFI | 2% in NEXO |
| Regions | US, UK, EEA, APAC, LATAM | EEA, UK, LATAM |
Pick ether.fi Cash if
- Higher documented cashback (3% vs 2)
- Wider documented availability
Pick Nexo Card if
- Known fee stack (1.0 vs 0.2 % equivalents on a $500/mo profile)
ether.fi Cash
A genuinely different architecture: keep full self-custody of 250+ assets and spend through a credit line instead of selling - with tiered memberships, travel cashback and premium Visa perks. The risks are equally clear: borrowing costs, portfolio volatility/liquidation risk, and a protection program that was still 'not yet live' at review time.
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.