Goblin Card 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.
Who wins what
Nexo CardKnown fee stack (3.5 vs 0.2 % equivalents on a $500/mo profile)
Goblin CardLighter KYC (No KYC vs Full KYC)- Nexo CardHigher documented cashback (2% vs 0)
Rule-based on the documented facts below - no judgement calls.
| Goblin Card | Nexo Card | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | Direct BTC top-up (on-chain) | BTC via in-app conversion |
| Lightning funding | no | no |
| BTC sale timing | Not documented | Not documented |
| Fees | ||
| Top-up fee | 3.5% | 0% |
| FX fee | 0% | 0.2% |
| Monthly fee | none | none |
| ATM fee | 2% | 2% |
| Cashback | none | 2% in NEXO |
| Privacy & custody | ||
| KYC | No KYC | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | $5,000 | not documented |
| ATM daily limit | $500 | Free tier allowances: EUR 200-2,000 per month by loyalty tier |
| Max load | not documented | not documented |
| Availability | ||
| Regions | GLOBAL, LATAM | EEA, UK, LATAM |
| Network | Mastercard | Mastercard |
| Form factor | Physical + virtual | Physical + virtual |
| Apple Pay | yes - FAQ: 'Goblin Virtual supports Apple Pay and Google Pay for wallet payments, plus 3D Secure (3DS) for online payments.' (Virtual Visa/USD card.) | 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 | yes - FAQ: 'Goblin Virtual supports Apple Pay and Google Pay for wallet payments, plus 3D Secure (3DS) for online payments.' (Virtual Visa/USD card.) | 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 | yes (card + PIN 2%) | yes (card + PIN 2%) |
Pick Goblin Card if
- Lighter KYC (No KYC vs Full KYC)
Pick Nexo Card if
- Known fee stack (3.5 vs 0.2 % equivalents on a $500/mo profile)
- Higher documented cashback (2% vs 0)
Goblin Card
The strongest physical no-KYC card pitch: a real Mastercard with ATM access, 0% FX and 0% ATM fees, multi-asset deposits and privacy-preserving support channels. The trade-offs are a $350 entry price, 3.5-4% deposit fees and an unlicensed custodial balance - treat it as a privacy tool, not a bank account.
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, Goblin 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