Nexo Card vs PlasBit

Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.

Higher score

Nexo Card

6.2

Full KYCCustodialIn-app swap

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PlasBit

3.8

Full KYCCustodialOn-chain

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Short answer Nexo Card wins overall (6.2/10 vs 3.8/10). The right pick still depends on your priority - see the flow comparison below.

Who wins what

Nexo CardKnown fee stack (0.2 vs 1.5 % equivalents on a $500/mo profile)
Nexo CardHigher documented cashback (2% vs 0)
PlasBitApple Pay support
PlasBitGoogle Pay support
Nexo CardPhysical card option
Nexo CardWider documented availability

Rule-based on the documented facts below - no judgement calls.

	Nexo Card	PlasBit
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%	0%
FX fee	0.2%	1.5%
Monthly fee	none	none
ATM fee	2%	2%
Cashback	2% in NEXO	none
Privacy & custody
KYC	Full KYC	Full KYC
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)

Show differences only

Pick Nexo Card if

Known fee stack (0.2 vs 1.5 % equivalents on a $500/mo profile)
Higher documented cashback (2% vs 0)
Physical card option
Wider documented availability

Pick PlasBit if

you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it

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.

Full review

PlasBit

A crypto-banking platform whose card program requires verification before use - a verify listing, not a recommendation.

Full review

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FAQ

Which is better for privacy, Nexo Card or PlasBit?

Both cards sit at the same KYC depth: Nexo Card and PlasBit require Full KYC. Privacy separates them only through custody model and data-sharing practice - documented in each review. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.

When does my bitcoin get sold on each card?

Nexo Card: Not documented. PlasBit: Not documented. Sale timing determines your price exposure between loading and spending.

Which is cheaper overall?

Compare the full stack - top-up, FX, monthly, ATM - against your own spending mix in the fee calculator. Headline numbers alone flip with real usage.

Facts checked 2026-11-02 · How we verify