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Wise vs Nexo Card
A side-by-side comparison of Wise and Nexo Card — fees, FX, ATM access, cashback, custody, availability and travel use — so you can pick the right one or run both as backups.
Multi-currency account and card with transparent conversion pricing.
| Attribute | Wise | Nexo Card |
|---|---|---|
| Best for | Transparent FX comparisons | Existing Nexo users |
| Availability | Region-dependent | Region-dependent |
| Type | Virtual + physical | Virtual + physical |
| Custody | Not applicable | Custodial |
| KYC | Required | Required |
| FX | No foreign transaction fee; a conversion fee applies only when Wise converts currency, typically from about 0.43% on major pairs (higher on exotic routes) | As of 2026: weekday FX 0.2% in EEA/UK/CH and 2% rest of world; weekend 0.7% and 2.5%; reduced to zero Nexo FX at Gold and Platinum loyalty tiers (Mastercard network spread still applies) |
| ATM | US example: no Wise fee up to 250 USD monthly (fixed per-withdrawal fee removed in 2026), then about 1.95 USD + 1.95% | Free monthly allowance by loyalty tier (roughly EUR 200 Base up to EUR 2,000 Platinum), then 2% (min about EUR/GBP 1.99) |
| Monthly | No card subscription fee in checked US pricing | No monthly fee stated |
| Cashback | Not applicable | Up to 2% cashback in NEXO token by loyalty tier (Base 0.5%, Silver 0.7%, Gold 1%, Platinum 2%); up to 0.5% if rewards taken in BTC; UK cardholders can no longer earn cashback (regulatory phase-out) but can still spend |
| Apple Pay | Region-dependent | Yes |
| Google Pay | Region-dependent | Yes |
Choose Wise if
- Travelers comparing FX costs
- Freelancers receiving and converting international payments
Choose Nexo Card if
- Existing Nexo users in eligible European countries
- Users comparing dual credit/debit crypto card models
Related next steps
Not financial advice. Fees, availability and terms change — confirm current official terms with each provider before signing up.
FAQ
Which is cheaper, Wise or Nexo Card?
It depends on how you spend. Compare the FX, ATM and monthly fees in the table for your real usage, and remember cashback and rewards only help if you actually redeem them.
Can I use both together?
Often yes. Many travelers keep one as the primary option and the other as a backup rail, which protects you if one has an outage, a block or a regional limit.
Is either a full bank replacement?
Treat both as specialized tools, not insured bank accounts. Keep emergency funds and a backup card from a separate provider.