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 (6.7/10 vs 3.8/10). The right pick still depends on your priority - see the flow comparison below.
 Nexo Card |  Moon | |
|---|---|---|
| Overall score | 6.7 | 3.8 |
| BTC load | BTC via in-app conversion | Direct BTC top-up (on-chain) |
| BTC sale timing | Not documented | Not documented |
| KYC | Full KYC | Basic KYC |
| Custody | Custodial | Custodial |
| Top-up fee | 0% | not documented |
| FX fee | 0.2% | 0% |
| Monthly fee | none | none |
| Cashback | 2% in NEXO | none |
| Regions | EEA, UK, LATAM | GLOBAL |
Pick Nexo Card if
- Higher documented cashback (2% vs 0)
- Wider documented availability
Pick Moon if
- Known fee stack (0.2 vs 0.0 % equivalents on a $500/mo profile)
- Lighter KYC (Basic KYC vs Full KYC)
- Lightning top-up support
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.