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Nexo Card vs SwissBorg Card

Nexo Card

Crypto native

7.4
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SwissBorg Card

Crypto native

7.1
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Verdict

  • Nexo Card scores higher overall (7.4 vs 7.1 out of 10).
  • Nexo Card is clearly stronger on: Fees, Product features, Custody & security, Credit & financing, Limits & ATM.
  • 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

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

Stronger on: Fees, Product features, Custody & security, Credit & financing, Limits & ATM

SwissBorg Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

★ 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 & sourcesNexo Card vs ether.fi CashSwissBorg Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionNexo CardSwissBorg Card
Fees10088
Cashback & rewards13–
Availability100100
FX & international92100
Product features7047
Custody & security7560
Credit & financing10030
Limits & ATM6420
Transparency100100
Best for Cashback5.26.5
Best for Travel8.07.6
Best for DeFi Users7.26.0
Best for Stablecoins7.47.6
Best for High Spenders5.96.1
Best for Low Fees9.38.3
Best for Beginners8.17.5
Best Crypto Credit Card8.4n/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 card, Crypto-backed creditConditions apply: tap or hover for detailsShow source

Dual mode: Debit Mode and crypto-backed Credit Mode

Debit cardShow source

Network

MastercardConditions apply: tap or hover for detailsShow source

Network inferred from the Mastercard trademark notice next to the card issuer disclosure

MastercardShow source

Custody model

CustodialShow source
CustodialConditions apply: tap or hover for detailsShow source

Spends crypto balances held in the SwissBorg app

Card issuer / program manager

DiPocket UABShow source
UAB Monavate (Bank of Lithuania); app operated by BlockNodes SAS (MiCA licence A2026-011, France)Show source

Fees

Annual fee

FreeShow source
FreeShow source

Monthly fee

FreeShow source
FreeShow source

Physical card fee

FreeConditions apply: tap or hover for detailsShow source

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

No data yet

Virtual card fee

FreeConditions apply: tap or hover for detailsShow source

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

FreeShow source

FX fee

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

0%Conditions apply: tap or hover for detailsShow source

Mastercard exchange rate; SwissBorg adds no FX fee (the crypto exchange fee still applies)

Crypto conversion fee

No data yet
0.99%Conditions apply: tap or hover for detailsShow source

Exchange fee for every loyalty rank; a real-time market-liquidity adjustment may be added

ATM fee

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

After the free monthly allowance

No data yet

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

No data yet

Other fees & markups

Weekend FX surcharge: 0.7% for EEA/UK/CH currencies and 2.5% for other currencies (vs 0.2% / 2% on weekdays)Show source
Real-time market-liquidity adjustment may be applied to the conversion price · Third parties such as Apple/Google Pay, Curve or PayPal may charge additional feesShow 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)

No data yet

Max cashback

2%Conditions apply: tap or hover for detailsShow source

Up to; Credit Mode only, depends on loyalty tier

No data yet

Cashback paid in

NEXO Tokens or BitcoinShow source
BORGShow source

Cashback type

CryptoShow source
Platform tokenShow source

Cashback conditions

Credit Mode only · Account balance above $5,000 worth of digital assets · Rate depends on Loyalty TierShow source
Cashback is a share of the 0.99% exchange fee: up to 5% (Standard) to up to 99% (Elite top 10) depending on the loyalty rank · BORG rewards are locked for a period (Paid to Trade programme) · Cashback is not guaranteed and can be changed or stopped at any timeShow 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

No data yet

Staking asset

NEXO TokenShow source
No data yet

Minimum balance

$5,000Conditions apply: tap or hover for detailsShow source

Digital-asset balance required to earn cashback

No data yet

Reward expiry / vesting

No data yet
BORG cashback is locked for a certain periodShow source

Credit & financing

Credit line

YesConditions apply: tap or hover for detailsShow source

Credit Mode

NoShow source

Credit type

Crypto-backed creditShow source
No data yet

Interest (APR)

1.9%Conditions apply: tap or hover for detailsShow source

'Starting from'; minimum rate

No data yet

Interest notes

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

Repayment

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

Spend own balance directly

YesConditions apply: tap or hover for detailsShow source

Debit Mode

No data yet

Spend by borrowing against collateral

YesConditions apply: tap or hover for detailsShow source

Credit Mode

No data yet

Availability

Available in

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

United Kingdom, Switzerland, Austria, Belgium, Cyprus, Croatia, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, SwedenShow source

Account / spend currencies

No data yet
EUR · CHF · GBPConditions apply: tap or hover for detailsShow source

Base currency set by country of residence

Features

Apple Pay

YesShow source
YesConditions apply: tap or hover for detailsShow source

Initially in Switzerland and France only

Google Pay

YesShow source
YesShow source

Physical card

YesConditions apply: tap or hover for detailsShow source

Requires Gold Loyalty Tier and above $5,000 portfolio

NoConditions apply: tap or hover for detailsShow source

May follow later

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
NoShow source

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

Debit Mode

YesShow source

Spendable assets

Stablecoins · Crypto · EURx · USDx · GBPxConditions apply: tap or hover for detailsShow source

Debit Mode; specific coins not listed

USDC · BTC · ETH · SOL · BORG · USDG · EUROP · TGBPShow source

Security & custody

Regulation / licences

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
No data yet

Deposit protection

NoConditions apply: tap or hover for detailsShow source

Applies to Earn and Borrow products

No data yet

Annual cost at 1,500 EUR/month

Nexo Card

  • Annual & monthly fees+0 EUR
  • FX costs−7 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+90 EUR
  • Net annual value83 EUR

SwissBorg Card

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

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Nexo Card comparisons

More SwissBorg Card comparisons