Nexo Card vs Moon
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 4/10). The right pick still depends on your priority - see the flow comparison below.
Who wins what
MoonKnown fee stack (0.2 vs 0.0 % equivalents on a $500/mo profile)- MoonLighter KYC (Email only vs Full KYC)
- MoonLightning funding that actually loads the card
Nexo CardHigher documented cashback (2% vs 0)- MoonApple Pay support
- MoonGoogle Pay support
Rule-based on the documented facts below - no judgement calls.
| Nexo Card | Moon | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | Direct BTC top-up (on-chain) + Lightning |
| Lightning funding | no | yes - loads the card |
| BTC sale timing | Not documented | Not documented |
| Fees | ||
| Top-up fee | 0% | not documented |
| FX fee | 0.2% | 0% |
| Monthly fee | none | none |
| ATM fee | 2% | not documented |
| Cashback | 2% in NEXO | none |
| Privacy & custody | ||
| KYC | Full KYC | Email only |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | not documented | not documented |
| ATM daily limit | Free tier allowances: EUR 200-2,000 per month by loyalty tier | not documented |
| 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'. | no (not documented as of 2026-11-07) |
| 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'. | no (not documented as of 2026-11-07) |
| ATM withdrawal | yes (card + PIN 2%) | no (not documented as of 2026-11-07) |
Pick Nexo Card if
- Higher documented cashback (2% vs 0)
- Physical card option
- Wider documented availability
Pick Moon if
- Known fee stack (0.2 vs 0.0 % equivalents on a $500/mo profile)
- Lighter KYC (Email only vs Full KYC)
- Lightning funding that actually loads the card
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.
Moon
Watch - do not load funds. The Lightning-funded virtual card worked until late November 2025, then cards were blocked en masse and withdrawals stalled (documented cases). Support has gone silent while the site still markets the product.
More head-to-heads
FAQ
Which is better for privacy, Nexo Card or Moon?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-11-02 · How we verify