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Bitstack Card vs Nexo Card

Bitstack Card

Crypto enabled

5.5
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Nexo Card

Crypto native

7.4
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Verdict

  • Nexo Card scores higher overall (7.4 vs 5.5 out of 10).
  • Bitstack Card is clearly stronger on: Limits & ATM.
  • Nexo Card is clearly stronger on: Availability, Credit & financing.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bitstack 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: Availability, 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 & sourcesBitstack Card vs ether.fi CashNexo Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitstack CardNexo Card
Fees97100
Cashback & rewards2213
Availability3100
FX & international–92
Product features7070
Custody & security7575
Credit & financing30100
Limits & ATM8464
Transparency100100
Best for Cashback4.55.2
Best for Travel5.98.0
Best for DeFi Usersn/a7.2
Best for Stablecoinsn/a7.4
Best for High Spenders5.15.9
Best for Low Fees8.49.3
Best for Beginners6.78.1
Best Crypto Credit Cardn/a8.4
Best E-Money Card7.0n/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

Debit cardConditions apply: tap or hover for detailsShow source

Card linked to the euro cash account

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

Card spends euros; Bitcoin held by Bitstack, free withdrawal to an external wallet

CustodialShow source

Card issuer / program manager

Bitstack Digital Assets SAS, agent of the e-money institution Xpollens (ACPR)Show source
DiPocket UABShow source

Tiers / plans

Standard · PlusShow source
No data yet

Fees

Annual fee

No data yet
FreeShow source

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Standard; Plus €2.99/month or €29.99/year

FreeShow source

Physical card fee

€9.99Conditions apply: tap or hover for detailsShow source

Standard, plus delivery; Plus: free delivery, annual Plus: free

FreeConditions apply: tap or hover for detailsShow source

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

Virtual card fee

No data yet
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

ATM fee

1%Conditions apply: tap or hover for detailsShow source

Free up to €200/month or 5 withdrawals, then €1 or 1% per withdrawal

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

Or 5 withdrawals per month

€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

Bitcoin purchase fee 1–1.5% (Standard) or 0.75% (Plus)Show 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

1%Conditions apply: tap or hover for detailsShow source

Up to; Standard plan, eligibility conditions and caps apply

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

1.5%Conditions apply: tap or hover for detailsShow source

Up to; Plus plan (€2.99/month)

2%Conditions apply: tap or hover for detailsShow source

Up to; Credit Mode only, depends on loyalty tier

Cashback paid in

BTCShow source
NEXO Tokens or BitcoinShow source

Cashback type

CryptoShow source
CryptoShow source

Cashback conditions

Eligibility conditions and caps apply · Card payments are also rounded up to the next euro and the difference is bought in Bitcoin without feesShow source
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

FranceShow 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

Account / spend currencies

EURShow source
No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

French IBAN

No data yet

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

No data yet
YesShow source

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

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

Debit Mode

Spendable assets

No data yet
Stablecoins · Crypto · EURx · USDx · GBPxConditions apply: tap or hover for detailsShow source

Debit Mode; specific coins not listed

Limits

Spending limit

€1,000Conditions apply: tap or hover for detailsShow source

Per month for international payments on Standard; €3,000 on Plus

No data yet

Security & custody

Regulation / licences

CASP licence from the AMF, no. A2025-003 · Agent (no. 747088) of Xpollens, e-money institution licensed by the ACPRShow 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

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

Applies to Earn and Borrow products

Annual cost at 1,500 EUR/month

Bitstack Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+180 EUR
  • 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 Bitstack Card comparisons

More Nexo Card comparisons