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Bybit Card vs Nexo Card

Pick Bybit Card if you live in the EEA and travel outside Europe: the Bybit EU card adds 0.5% above the Mastercard rate, against Nexo’s 2% on weekdays and 2.5% on weekends outside the EEA, UK and Switzerland, and it is free to issue (as of 26 Sep 2026).

Pick Nexo Card if you mostly pay on weekdays in the EEA, UK and Switzerland, where its FX fee is 0.2% against 0.5% on Bybit EU, or withdraw a lot of cash: the free ATM allowance runs from about EUR 200 to EUR 2,000 a month by loyalty tier, against EUR 100 on Bybit EU (as of 26 Sep 2026).

Nexo also lets you spend against your crypto in Credit Mode from 1.9% a year, but its physical card needs a balance above USD 5,000 and Gold tier (European terms, as of 26 Sep 2026).

Bybit CardExchange-linked Bybit card with regional FX, conversion and ATM fees.
Nexo CardDual-mode crypto Mastercard for selected European residents and eligible Argentine clients.

Choose Bybit Card if

  • You live in the EEA and often travel outside Europe: 0.5% FX against Nexo’s 2%–2.5% (as of 26 Sep 2026)
  • You want a physical card at no cost: Bybit EU issues the first one free (as of 26 Sep 2026)
  • You already hold assets on Bybit
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Choose Nexo Card if

  • You pay mostly in the EEA, UK and Switzerland, where weekday FX is 0.2% (as of 26 Sep 2026)
  • You withdraw more than EUR 100 a month and can reach a tier with an allowance of up to about EUR 2,000 (as of 26 Sep 2026)
  • You want to spend against your crypto in Credit Mode instead of selling it
Open full reviewCheck terms

Key differences

AttributeBybit CardNexo Card
Where you can get itBybit CardBybit EU for eligible European residents; a separate global program with region-by-region feesNexo CardSelected European countries and Argentina, where it launched in July 2026 (as of 26 Sep 2026)
Getting the cardBybit CardBybit EU: virtual and first physical card free, replacement EUR 5 (as of 26 Sep 2026)Nexo CardVirtual needs a balance of at least USD 50; physical needs over USD 5,000 plus Gold tier (European terms, as of 26 Sep 2026)
Foreign currencyBybit CardBybit EU: 0.5% above the Mastercard rate. Global: 1%–7% by region (as of 26 Sep 2026)Nexo CardWeekdays 0.2% in the EEA, UK and Switzerland, 2% elsewhere; weekends 0.7% or 2.5% (as of 26 Sep 2026)
ATM cashBybit CardBybit EU: EUR 100 a month free, then 2% (as of 26 Sep 2026)Nexo CardAbout EUR 200 (Base) to EUR 2,000 (Platinum) a month free, then 2% with a minimum of about EUR/GBP 1.99 (as of 26 Sep 2026)
How you payBybit CardSpends non-fiat assets from the Bybit Funding AccountNexo CardDebit Mode spends stablecoins, crypto or FiatX; Credit Mode borrows against crypto from 1.9% a year (as of 26 Sep 2026)
RewardsBybit CardSet by campaign, tier and regionNexo CardCredit Mode in Europe: up to 2% in NEXO or 0.5% in BTC with a balance above USD 5,000 (as of 26 Sep 2026)

What a trip costs with Bybit Card and Nexo Card

Enter your trip and the cards are ranked by what they charge in fees, using each card’s published prices for where you live.

Enter foreign-currency amounts at their value in EUR.

Assumes a euro card used in another currency outside Europe, so payments and cash are converted.

For this trip Bybit Card EU costs about 10.50 EUR. Nexo Card Base has only a virtual card on this plan, so it cannot withdraw cash and is left out of the comparison.

  1. 1
    Bybit Card EUCheapestEEA (euro account) · Review

    Trip total: 10.50 EUR

    Per month: 10.50 EUR

    Exchange
    6.50 EUR
    ATM
    4.00 EUR
    Plan
    0.00 EUR
    Card
    0.00 EUR

    crypto conversion extra

    Fees as of 26 Sep 2026 · source

  2. 2
    Nexo Card BaseEEA (euro account) · Review

    Trip total: 21.50 EUR

    Per month: 21.50 EUR

    Exchange
    21.50 EUR
    ATM
    0.00 EUR
    Plan
    0.00 EUR
    Card
    0.00 EUR

    virtual card only on this plan: no ATM cash; total covers card payments

    Fees as of 26 Sep 2026 · source

Open the full travel card cost calculator
Bybit Card

Last checked:

Official source: Bybit global regional fees and limits, September 10
Nexo Card

Last checked:

Official source: Nexo European/global card conditions
Open full comparisonCalculate this scenario

FAQ

Which card is cheaper for travel outside Europe?

Bybit EU, for EEA residents: 0.5% above the Mastercard rate. Nexo charges 2% on weekdays and 2.5% on weekends outside the EEA, UK and Switzerland (both as of 26 Sep 2026). Example: on a 1,000 USD hotel bill the FX fee is about 5 USD with Bybit EU and 20–25 USD with Nexo.

Which gives more free ATM cash, Bybit EU or Nexo?

Nexo: about EUR 200 a month on Base up to EUR 2,000 on Platinum, then 2% with a minimum of about EUR/GBP 1.99. Bybit EU gives EUR 100 a month, then 2% (both as of 26 Sep 2026).

Is Nexo Card a credit card?

It has two modes. Credit Mode spends against your crypto as collateral, with borrowing rates advertised from 1.9% a year; Debit Mode spends stablecoins, crypto or FiatX directly (as of 26 Sep 2026). Bybit Card spends assets from your Bybit Funding Account.

Crypto card balances are not bank deposits, and fees and availability change, so check current terms before you load funds. How we compare