Bitsa Card vs Nexo Card
Crypto enabled
Crypto native
Verdict
- Nexo Card scores higher overall (7.4 vs 5.9 out of 10).
- Bitsa Card is clearly stronger on: Limits & ATM.
- Nexo Card is clearly stronger on: Fees, Cashback & rewards, FX & international, Credit & financing.
- For 1,500 EUR/month of spend, Nexo Card comes out about 164 EUR a year ahead on base-tier terms.
Bitsa Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Limits & ATM
Nexo Card is a good fit for
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: Fees, Cashback & rewards, FX & international, Credit & financing
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Bitsa Card | Nexo Card |
|---|---|---|
| Fees | 82 | 100 |
| Cashback & rewards | 0 | 13 |
| Availability | 100 | 100 |
| FX & international | 30 | 92 |
| Product features | 70 | 70 |
| Custody & security | 75 | 75 |
| Credit & financing | 30 | 100 |
| Limits & ATM | 75 | 64 |
| Transparency | 100 | 100 |
| Best for Cashback | 4.0 | 5.2 |
| Best for Travel | 5.6 | 8.0 |
| Best for DeFi Users | n/a | 7.2 |
| Best for Stablecoins | n/a | 7.4 |
| Best for High Spenders | 3.6 | 5.9 |
| Best for Low Fees | 7.0 | 9.3 |
| Best for Beginners | 7.6 | 8.1 |
| Best Crypto Credit Card | n/a | 8.4 |
| Best E-Money Card | 6.9 | n/a |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Prepaid card, E-money cardShow source
Debit card, Crypto-backed creditConditions apply: tap or hover for detailsShow source
Dual mode: Debit Mode and crypto-backed Credit Mode
Network
VisaShow source
MastercardConditions apply: tap or hover for detailsShow source
Network inferred from the Mastercard trademark notice next to the card issuer disclosure
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Crypto is converted to euros on top-up; the card spends an e-money balance
CustodialShow source
Card issuer / program manager
Pecunia Cards EDE S.L.U. (Pecunpay), Spanish e-money institution; crypto service by BitnovoShow source
DiPocket UABShow source
Tiers / plans
Free · Move · ProShow source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
Free plan; Move €8.99/year, Pro €69.99/year
FreeShow source
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Free plan; Move €0.99/month (€8.99/year), Pro €9.99/month (€69.99/year)
FreeShow source
Physical card fee
€20Show source
FreeConditions apply: tap or hover for detailsShow source
Requires at least Gold Loyalty Tier and portfolio above $5,000
Virtual card fee
€2.50Show source
FreeConditions apply: tap or hover for detailsShow source
Balance of at least $50 required to activate; stays in account
FX fee
1.75%Conditions apply: tap or hover for detailsShow source
Non-euro SEPA-zone currencies; 2% in the rest of the world
0.2%Conditions apply: tap or hover for detailsShow source
Weekdays EEA/UK/CH; weekends 0.7%; rest of world 2% weekdays, 2.5% weekends
Top-up fee
1.5%Conditions apply: tap or hover for detailsShow source
External-card top-ups beyond the free ones (Free: 2 in total, Move: 3/month, Pro: 4/month); vouchers 0–6%
ATM fee
€0.55 + 1% (min. €0.75)Conditions apply: tap or hover for detailsShow source
Outside the euro area; euro area €2.50 per withdrawal, Spain: the ATM operator's fee is passed on
2% (min. €1.99)Conditions apply: tap or hover for detailsShow source
After the free monthly allowance
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
Per month, Base Loyalty Tier; Silver €400, Gold €1,000, Platinum €2,000
Transfer fee
€1Conditions apply: tap or hover for detailsShow source
SEPA transfer on Free and Move; free on Pro
Other fees & markups
Voucher top-up fee 0–6% · Transfers to another holder or institution €1.50 · Crypto top-ups limited to €20,000 per dayShow source
Weekend FX surcharge: 0.7% for EEA/UK/CH currencies and 2.5% for other currencies (vs 0.2% / 2% on weekdays)Show source
Cashback & rewards
Base cashback
0.5%Conditions apply: tap or hover for detailsShow source
Base Loyalty Tier, Credit Mode only, account balance above $5,000 in digital assets; paid in NEXO Tokens (0.1% if paid in BTC)
Max cashback
2%Conditions apply: tap or hover for detailsShow source
Up to; Credit Mode only, depends on loyalty tier
Cashback paid in
NEXO Tokens or BitcoinShow source
Cashback type
NoneConditions apply: tap or hover for detailsShow source
Card payments earn no cashback; gift cards in the app up to 15%
CryptoShow source
Cashback conditions
Credit Mode only · Account balance above $5,000 worth of digital assets · Rate depends on Loyalty TierShow source
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Higher cashback tiers depend on the share of NEXO Tokens held
Staking asset
NEXO TokenShow source
Minimum balance
$5,000Conditions apply: tap or hover for detailsShow source
Digital-asset balance required to earn cashback
Credit & financing
Credit line
NoShow source
YesConditions apply: tap or hover for detailsShow source
Credit Mode
Credit type
Crypto-backed creditShow source
Interest (APR)
1.9%Conditions apply: tap or hover for detailsShow source
'Starting from'; minimum rate
Interest notes
Crypto-backed Credit Line interest starting from 1.9% per year; rates vary by region and loyalty tierShow source
Repayment
Flexible repayment with no fixed schedule or credit checksShow source
Spend own balance directly
YesConditions apply: tap or hover for detailsShow source
Debit Mode
Spend by borrowing against collateral
YesConditions apply: tap or hover for detailsShow source
Credit Mode
Availability
Available in
EEAConditions apply: tap or hover for detailsShow source
Residents of the EEA
EEA, United KingdomConditions apply: tap or hover for detailsShow source
Page says 'selected European countries'; ID document from the EEA, UK or another eligible European country required
Account / spend currencies
EURShow source
Own IBAN / bank details
YesShow source
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Requires Gold Loyalty Tier and above $5,000 portfolio
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Debit Mode
Spendable assets
Stablecoins · Crypto · EURx · USDx · GBPxConditions apply: tap or hover for detailsShow source
Debit Mode; specific coins not listed
Limits
ATM limit
€450Conditions apply: tap or hover for detailsShow source
Per day, withdrawals outside Spain
Spending limit
€1,500Conditions apply: tap or hover for detailsShow source
Purchase limit on Free; Move €5,000, Pro €15,000
Security & custody
Regulation / licences
Pecunpay: e-money institution supervised by the Bank of SpainShow source
DiPocket UAB: e-money institution licensed by Bank of Lithuania (licence 75) · Tangany GmbH: BaFin-regulated crypto custody under MiCAR · DLT Securities GmbH: BaFin-regulated under MiCAR and MiFID IIShow source
Deposit protection
NoConditions apply: tap or hover for detailsShow source
Applies to Earn and Borrow products
Annual cost at 1,500 EUR/month
Bitsa Card
- Annual & monthly fees+0 EUR
- FX costs−63 EUR
- Crypto conversion–
- ATM costs−19 EUR
- Cashback+0 EUR
- Net annual value-82 EUR
Nexo Card
- Annual & monthly fees+0 EUR
- FX costs−7 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+90 EUR
- Net annual value83 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers