Verdict
- Nexo Card scores higher overall (6.1 vs 4.7 out of 10).
- Nexo Card is clearly stronger on: Fees, Availability, Limits & ATM.
- Oobit is clearly stronger on: Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Nexo Card is a good fit for
- Users who need credit rather than a debit/prepaid card
Stronger on: Fees, Availability, Limits & ATM
Oobit is a good fit for
- People who want to keep control of their keys
Stronger on: Cashback & rewards
Score by criterion
| Criterion | Nexo Card | Oobit |
|---|---|---|
| Fees | 100 | 22 |
| Cashback & rewards | 8 | 40 |
| Availability | 100 | 10 |
| FX & international | 20 | – |
| Product features | – | 100 |
| Custody & security | – | 80 |
| Credit & financing | 85 | – |
| Limits & ATM | 80 | 50 |
| Transparency | 86 | 93 |
| Best for Cashback | 4.3 | 4.3 |
| Best for Travel | 5.4 | 4.8 |
| Best for Self-Custody | n/a | 6.5 |
| Best for DeFi Users | 5.5 | 6.0 |
| Best for High Spenders | 4.5 | 4.6 |
| Best for Low Fees | 7.5 | 4.4 |
| Best for Beginners | 7.1 | 6.2 |
| Best Crypto Credit Card | 7.2 | n/a |
Product
Product status
ActiveShow source
Product status: Active
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ActiveShow source
Product status: Active
Source: Oobit Crypto Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
Crypto-backed credit, Debit card*Show source
Card type: Crypto-backed credit, Debit card
Switch mode per payment
Source states (paraphrased): Dual-mode card: Credit Mode (borrow against crypto) and Debit Mode (spend crypto directly).
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Switch mode per payment
Network
VisaShow source
Network: Visa
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Custody model
Self-custody*Show source
Custody model: Self-custody
Crypto stays in your wallet until the moment you pay
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Crypto stays in your wallet until the moment you pay
Fees
Annual fee
FreeShow source
Annual fee: Free
Source states (paraphrased): No monthly, annual or inactivity fees.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Monthly fee
FreeShow source
Monthly fee: Free
Source states (paraphrased): No monthly, annual or inactivity fees.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
FX fee
2%*Show source
FX fee: 2%
Weekdays, non-EEA/UK/CH currencies; 0.2% for EEA/UK/CH currencies; higher on weekends
Source states (paraphrased): FX fees on weekdays: 0.2% EEA/UK/CH, 2% rest of world; higher weekend rates.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Weekdays, non-EEA/UK/CH currencies; 0.2% for EEA/UK/CH currencies; higher on weekends
Crypto conversion fee
0.95%*Show source
Crypto conversion fee: 0.95%
Swaps; 3% when swapping into OOB
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Swaps; 3% when swapping into OOB
ATM fee
2% (min. €1.99)*Show source
ATM fee: 2% (min. €1.99)
After the free monthly allowance
Source states (paraphrased): 2% fee (min €1.99) per withdrawal above the free limit.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
After the free monthly allowance
2.5% (min. $0.25)*Show source
ATM fee: 2.5% (min. $0.25)
Plus ATM operator fees
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Plus ATM operator fees
Free ATM allowance
€2,000/month*Show source
Free ATM allowance: €2,000/month
Up to; top loyalty tier, lower tiers get less
Source states (paraphrased): Top tier: free ATM withdrawals up to €2,000 / £1,800 per month.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to; top loyalty tier, lower tiers get less
Settlement fee
1% (min. $0.25)*Show source
Settlement fee: 1% (min. $0.25)
Per card payment (Brazil: 1%, no minimum)
Source states (paraphrased): 1% per payment, with a minimum of $0.25.
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Per card payment (Brazil: 1%, no minimum)
Other fees & markups
Weekend FX surcharge on top of weekday FX ratesShow source
Other fees & markups: Weekend FX surcharge on top of weekday FX rates
Source states (paraphrased): Higher FX rates apply on weekends.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback & rewards
Max cashback
2%*Show source
Max cashback: 2%
Up to; Credit Mode only, depends on loyalty tier
Source states (paraphrased): Up to 2% cashback in NEXO Tokens or Bitcoin on Credit Mode spending.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to; Credit Mode only, depends on loyalty tier
10%*Show source
Max cashback: 10%
Up to
Source: Oobit Crypto Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to
Cashback paid in
NEXO or BTCShow source
Cashback paid in: NEXO or BTC
Source states (paraphrased): Cashback paid in NEXO Tokens or Bitcoin.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback type
Platform tokenShow source
Cashback type: Platform token
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback-eligible spend cap
$200/month*Show source
Cashback-eligible spend cap: $200/month
When paying with tokens other than OOB; $10,000/month when paying with OOB
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
When paying with tokens other than OOB; $10,000/month when paying with OOB
Cashback conditions
Higher cashback cap requires paying with the OOB tokenShow source
Cashback conditions: Higher cashback cap requires paying with the OOB token
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Minimum balance
$5,000*Show source
Minimum balance: $5,000
Digital-asset balance required to earn cashback
Source states (paraphrased): Cashback requires a balance above $5,000 in digital assets.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Digital-asset balance required to earn cashback
Credit & financing
Credit line
Yes*Show source
Credit line: Yes
Credit Mode
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit Mode
Credit type
Crypto-backed creditShow source
Credit type: Crypto-backed credit
Source states (paraphrased): Credit Mode borrows against your crypto.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Spend own balance directly
Yes*Show source
Spend own balance directly: Yes
Debit Mode
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Debit Mode
Spend by borrowing against collateral
Yes*Show source
Spend by borrowing against collateral: Yes
Credit Mode
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit Mode
Availability
Available in
EEA, United Kingdom, Argentina*Show source
Available in: EEA, United Kingdom, Argentina
Inferred from Nexo's regional card pages (EEA incl. UK pricing, Argentina)
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Inferred from Nexo's regional card pages (EEA incl. UK pricing, Argentina)
United Arab Emirates, Saudi Arabia, South Korea*Show source
Available in: United Arab Emirates, Saudi Arabia, South Korea
Oobit lists 74 countries; only countries with a dedicated official page are recorded
Source: Crypto Card UAE
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
Oobit lists 74 countries; only countries with a dedicated official page are recorded
Features
Apple Pay
Yes*Show source
Apple Pay: Yes
After verification
Source: Crypto Card in South Korea
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
After verification
Google Pay
Yes*Show source
Google Pay: Yes
After verification
Source: Crypto Card in South Korea
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
After verification
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Annual cost at 1,500 EUR/month
Nexo Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashbackunknown
- Net annual valuenot enough data
Oobit
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- Per-transaction fees−180 EUR
- ATM costs−30 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers