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Nexo Card vs RedotPay
Pick Nexo Card if you live in a supported European country and spend mostly in Europe: weekday FX is 0.2% inside the EEA, UK and Switzerland, and ATM cash is free up to roughly EUR 200–2,000 a month by loyalty tier, then 2% (European terms, as of 26 Sep 2026).
Pick RedotPay if you live outside Nexo’s markets in one of RedotPay’s 100+ countries and spend mostly in USD: there is no RedotPay fee on USD payments, 1.2% in other currencies, and the card costs 10 USD virtual or 100 USD physical (as of 24 Aug 2026).
Both are custodial; Nexo also lets you spend against your crypto in Credit Mode, with borrowing rates from 1.9% a year (as of 26 Sep 2026), while RedotPay spends the balance you top up.
Choose Nexo Card if
- You live in a supported European country and spend mostly in the EEA, UK or Switzerland (0.2% FX on weekdays, as of 26 Sep 2026)
- You want to spend against your crypto without selling it, in Credit Mode from 1.9% a year (as of 26 Sep 2026)
- You hold a higher Nexo loyalty tier and want up to about EUR 2,000 a month of fee-free ATM cash (as of 26 Sep 2026)
Choose RedotPay if
- You live outside Nexo’s European and Argentine markets but in one of RedotPay’s 100+ countries
- You pay mostly in USD
- You prefer a flat card price (10 USD virtual, 100 USD physical, as of 24 Aug 2026) to Nexo’s USD 5,000 balance and Gold tier requirement for a physical card
Key differences
| Attribute | Nexo Card | RedotPay |
|---|---|---|
| Where you can get it | Nexo CardSelected European countries and Argentina, where the card launched in July 2026 (as of 26 Sep 2026) | RedotPay100+ countries; the US, Russia, Belarus, Ukraine and other listed jurisdictions are restricted (as of 24 Aug 2026) |
| Getting the card | Nexo CardNo issue fee stated; virtual needs a balance of at least USD 50, physical needs over USD 5,000 plus Gold tier (European terms, as of 26 Sep 2026) | RedotPayVirtual 10 USD, physical 100 USD; no monthly or annual card fee (as of 24 Aug 2026) |
| How you pay | Nexo CardCredit Mode borrows against your crypto from 1.9% a year; Debit Mode spends stablecoins, crypto or FiatX (as of 26 Sep 2026) | RedotPaySpends your balance; top up with BTC, ETH, BNB, SOL, S, SUI, TRX, XRP, USDT or USDC, with a 1% conversion fee where it applies (as of 24 Aug 2026) |
| Foreign currency | Nexo CardWeekdays 0.2% in the EEA, UK and Switzerland, 2% elsewhere; weekends 0.7% or 2.5% (European terms, as of 26 Sep 2026) | RedotPayNo RedotPay fee in USD; 1.2% in other currencies (as of 24 Aug 2026) |
| ATM cash | Nexo CardFree up to about EUR 200 (Base) to EUR 2,000 (Platinum) a month, then 2% with a minimum of about EUR/GBP 1.99 (as of 26 Sep 2026) | RedotPay2% up to 10,000 USD a month, 3% above, plus ATM operator fees (as of 24 Aug 2026) |
| Rewards | Nexo CardCredit Mode in Europe: up to 2% in NEXO or 0.5% in BTC with a balance above USD 5,000 and the right loyalty tier (as of 26 Sep 2026) | RedotPayRedotPay Pro only (12.90 USD a month): 3% on Apple Pay and Google Pay purchases, capped at 18 USDs a month (as of 24 Aug 2026) |
What a trip costs with Nexo Card and RedotPay
Nexo Card prices are under “EEA (euro account)” and RedotPay prices under “Another country” in “Where you live”: switch it to see each card’s trip total.
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.
Nexo Card Base has only a virtual card on this plan, so it cannot withdraw cash and is left out of the comparison.
FAQ
Is Nexo Card or RedotPay cheaper for paying in euros?
Nexo Card, inside Europe: 0.2% on weekdays and 0.7% on weekends in the EEA, UK and Switzerland (as of 26 Sep 2026). New RedotPay cards settle in USD, so a euro payment costs 1.2%, plus a 1% crypto-conversion fee where it applies (as of 24 Aug 2026).
What do I need to get a physical Nexo Card or RedotPay card?
Under Nexo’s European terms the physical card needs a balance above USD 5,000 and Gold loyalty tier; the virtual card needs at least USD 50 (as of 26 Sep 2026). RedotPay sells the physical card for 100 USD and the virtual one for 10 USD (as of 24 Aug 2026).
Which is better for ATM withdrawals abroad?
Nexo, if you are eligible: the free monthly allowance runs from about EUR 200 on Base to EUR 2,000 on Platinum, then 2% with a minimum of about EUR/GBP 1.99 (as of 26 Sep 2026). RedotPay charges 2% from the first dollar up to 10,000 USD a month and 3% above (as of 24 Aug 2026); annual RedotPay Pro waives the RedotPay ATM fee on USD 1,000 a month (as of 9 Sep 2026).
Crypto card balances are not bank deposits, and fees and availability change, so check current terms before you load funds. How we compare