savebackcards.com
DEEN

Bitwala Card vs Nexo Card

Bitwala Card

Crypto native

7.0
Get the card
Nexo Card

Crypto native

7.4
Get the card

Verdict

  • Nexo Card scores higher overall (7.4 vs 7.0 out of 10).
  • Nexo Card is clearly stronger on: Fees, Product features, Credit & financing.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bitwala Card is a good fit for

  • Stablecoin holders

Nexo Card is a good fit for

  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card
  • Frequent travellers

Stronger on: Fees, Product features, Credit & financing

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesBitwala Card vs ether.fi CashNexo Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitwala CardNexo Card
Fees88100
Cashback & rewards–13
Availability100100
FX & international–92
Product features5870
Custody & security7075
Credit & financing30100
Limits & ATM6064
Transparency100100
Best for Cashbackn/a5.2
Best for Travel6.68.0
Best for DeFi Users6.27.2
Best for Stablecoins6.87.4
Best for High Spendersn/a5.9
Best for Low Fees7.69.3
Best for Beginners7.98.1
Best Crypto Credit Cardn/a8.4

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

Debit 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

HybridConditions apply: tap or hover for detailsShow source

Self-custodial crypto wallet; euros held in the Bitwala account

CustodialShow source

Card issuer / program manager

No data yet
DiPocket UABShow source

Fees

Annual fee

No data yet
FreeShow source

Monthly fee

FreeShow source
FreeShow source

Physical card fee

€9.99Conditions apply: tap or hover for detailsShow source

Plus shipping

FreeConditions apply: tap or hover for detailsShow source

Requires at least Gold Loyalty Tier and portfolio above $5,000

Virtual card fee

€0.99Show source
FreeConditions apply: tap or hover for detailsShow source

Balance of at least $50 required to activate; stays in account

FX fee

No data yet
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

Crypto conversion fee

1%Conditions apply: tap or hover for detailsShow source

Plus €0.20 per crypto payment; euro payments free

No data yet

ATM fee

€2 + 1%Show source
2% (min. €1.99)Conditions apply: tap or hover for detailsShow source

After the free monthly allowance

Free ATM allowance

No data yet
€200/monthConditions apply: tap or hover for detailsShow source

Per month, Base Loyalty Tier; Silver €400, Gold €1,000, Platinum €2,000

Other fees & markups

Crypto payments €0.20 + 1% per transactionShow 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

No data yet
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

No data yet
2%Conditions apply: tap or hover for detailsShow source

Up to; Credit Mode only, depends on loyalty tier

Cashback paid in

No data yet
NEXO Tokens or BitcoinShow source

Cashback type

No data yet
CryptoShow source

Cashback conditions

No data yet
Credit Mode only · Account balance above $5,000 worth of digital assets · Rate depends on Loyalty TierShow source

Staking / holding required for top rewards

No data yet
YesConditions apply: tap or hover for detailsShow source

Higher cashback tiers depend on the share of NEXO Tokens held

Staking asset

No data yet
NEXO TokenShow source

Minimum balance

No data yet
$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

No data yet
Crypto-backed creditShow source

Interest (APR)

No data yet
1.9%Conditions apply: tap or hover for detailsShow source

'Starting from'; minimum rate

Interest notes

No data yet
Crypto-backed Credit Line interest starting from 1.9% per year; rates vary by region and loyalty tierShow source

Repayment

No data yet
Flexible repayment with no fixed schedule or credit checksShow source

Spend own balance directly

No data yet
YesConditions apply: tap or hover for detailsShow source

Debit Mode

Spend by borrowing against collateral

No data yet
YesConditions apply: tap or hover for detailsShow source

Credit Mode

Availability

Available in

EEAShow source
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

Features

Apple Pay

NoConditions apply: tap or hover for detailsShow source

Only via Curve

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

YesShow source
YesConditions apply: tap or hover for detailsShow source

Debit Mode

Spendable assets

BTC · ETH · USDC · EURShow source
Stablecoins · Crypto · EURx · USDx · GBPxConditions apply: tap or hover for detailsShow source

Debit Mode; specific coins not listed

Security & custody

Regulation / licences

No data yet
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

No data yet
NoConditions apply: tap or hover for detailsShow source

Applies to Earn and Borrow products

Annual cost at 1,500 EUR/month

Bitwala Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costs−36 EUR
  • Cashbackunknown
  • Net annual valuenot enough data

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

More Bitwala Card comparisons

More Nexo Card comparisons