Nexo Card vs Nuri
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer Nexo Card wins overall (6.2/10 vs 3.2/10). The right pick still depends on your priority - see the flow comparison below.
Who wins what
NuriLighter KYC (Basic KYC vs Full KYC)
Nexo CardHigher documented cashback (2% vs none)- Nexo CardPhysical card option
- Nexo CardWider documented availability
Rule-based on the documented facts below - no judgement calls.
| Nexo Card | Nuri | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | Direct BTC top-up (on-chain) |
| Lightning funding | no | no |
| BTC sale timing | Not documented | Not documented |
| Fees | ||
| Top-up fee | 0% | not documented |
| FX fee | 0.2% | not documented |
| Monthly fee | none | none |
| ATM fee | 2% | not documented |
| Cashback | 2% in NEXO | not documented |
| Privacy & custody | ||
| KYC | Full KYC | Basic KYC |
| Custody | Custodial | Self-custody |
| Limits | ||
| Daily spend limit | not documented | GBP 30,000 per transaction and per day (GBP 30,000/month; higher with documented limit-increase review) |
| ATM daily limit | Free tier allowances: EUR 200-2,000 per month by loyalty tier | GBP 500/day, GBP 5,000/month, 5 withdrawals/day (official card-support FAQ, sourced from Wirex BaaS docs) |
| Max load | not documented | not documented |
| Availability | ||
| Regions | EEA, UK, LATAM | GLOBAL |
| Network | Mastercard | Visa |
| Form factor | Physical + virtual | Virtual |
| Apple Pay | 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'. | yes - Operator card-support FAQ documents Apple Pay / Google Pay (dedicated troubleshooting section incl. stale-token fixes). |
| Google Pay | 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'. | yes - Operator card-support FAQ documents Apple Pay / Google Pay (dedicated troubleshooting section incl. stale-token fixes). |
| ATM withdrawal | yes (card + PIN 2%) | yes (documented) |
Pick Nexo Card if
- Higher documented cashback (2% vs none)
- Physical card option
- Wider documented availability
Pick Nuri if
- Lighter KYC (Basic KYC vs Full KYC)
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.
Nuri
The old Nuri bank is dead (2022 insolvency, customers moved to Vivid) - but the brand relaunched at nuri.com as an Estonian self-custody wallet with a free Visa card, IBAN and 130-country reach. Verify listing: card issuance, fees and the provider stack behind the banking rails are unverified; no community track record exists yet.
More head-to-heads
FAQ
Which is better for privacy, Nexo Card or Nuri?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-11-02 · How we verify