Updated September 28, 2026 · SumCue Editorial Team
COCA Card vs Nexo
COCA Card
Higher score in this comparison
Nexo
What sets them apart
| Compare | COCA CardReviewVisitVisit | NexoReviewVisitVisit |
|---|---|---|
| Currency conversion fee | 0%Lower | 0.2% to 2.5% |
| Free ATM withdrawals | $250 | €200 to €2,000 |
| Cashback rate | 8%Higher | 0.1% to 2% |
| Card network | Visa | Mastercard |
| Custody | Self custody | Custodial |
| Currencies | Not confirmed | 100 |
Same on both: Monthly fee (€0), Card type (Debit).
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Key differences
- COCA Card scores higher overall: 9.4 vs 8.9.
- COCA Card is available in 16 more countries.
- Currency conversion fee is lower at COCA Card: 0% vs 0.2% to 2.5%.
- Cashback rate is higher at COCA Card: 8% vs 0.1% to 2%.
- Support channels: only COCA Card offers Community.
- Support channels: only Nexo offers Chat, Email.
- Features: only COCA Card offers Self custody.
- Features: only Nexo offers Multi currency, Custodial.
Our verdict on each
COCA Card
COCA Card suits anyone who wants a no-fee debit card for everyday spending and already holds crypto, since one account pays cashback and keeps the coins in self-custody. The currency conversion fee is 0%, which makes it a natural pick for travellers and multi-currency spenders.
Nexo
Nexo suits businesses and crypto users who want a multi-currency card, with monthly and annual card fees of €0 and €0. The trade-off is tier-based cashback, foreign exchange costs, and custodial holding of supported crypto.
Score breakdown
| Area | COCA Card | Nexo |
|---|---|---|
| Cost | 9.4Higher | 9.2Monthly and annual card fees are €0 and €0, while foreign exchange costs are 0.2% to 2.5%. |
| Offer | 9.4Higher | 9.2The card supports crypto cashback, multi-currency use, virtual cards, travel, Apple Pay and Google Pay. |
| Trust | Not confirmed | 8.3 |
How they place
| Ranking | COCA Card | Nexo |
|---|---|---|
| Credit and debit cards | 168 of 1594 | 10 of 1594 |
| Debit cards | 1 of 826 | 8 of 826 |
| Crypto | 53 of 428 | 187 of 428 |
| Crypto wallets | 1 of 249 | 4 of 249 |
The bill, worked out
A year with 1,000 spent abroad
COCA Card
€0
12 × €0 + 0% of 1,000
Nexo
€2 to €25
12 × €0 + 0.2% to 2.5% of 1,000
COCA Card costs €2 less.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where each is licensed and available
| Country | COCA Card | Nexo |
|---|---|---|
| Argentina | Not confirmed | |
| Australia | Not confirmed | AUSTRAC (Australia) DCE100843695-001 |
| Hong Kong | Not confirmed | Companies Registry (Hong Kong) TC007556 |
| Poland | Not confirmed | Ministry of Finance (Poland) RDWW-533 |
| Seychelles | Not confirmed | |
| United States | Not confirmed |
Available in 34 countries for both. Additional countries for COCA Card: 18. Additional countries for Nexo: 2.
What we checked
COCA Card
- docs.coca.xyz: 8 facts, checked September 26, 2026
- coca.xyz: 3 facts, checked September 26, 2026
Nexo
- nexo.com: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | COCA Card | Nexo |
|---|---|---|
| Features | Crypto, Virtual card, Self custody, Travel | Multi currency, Crypto, Virtual card, Custodial, Travel |
| Audience | Not confirmed | Business |
| Legal entity | CCA Labs - FZCO | DiPocket UAB |
| Headquarters | United Arab Emirates | Not confirmed |
| Founded | Not confirmed | 2018 |
| Support channels | Help centre, Community | Chat, Email, Help centre |
Crypto wallets
| Fact | COCA Card | Nexo |
|---|---|---|
| Wallet type | Mobile | Mobile |
| Price | $0 to $5 | Not confirmed |
| Coins supported | Not confirmed | 100 |
| Backup options | Recovery service | Not confirmed |
Credit cards
| Fact | COCA Card | Nexo |
|---|---|---|
| Annual fee | Not confirmed | €0 |
| APR | Not confirmed | from 1.9% |
| Rewards type | Not confirmed | Cashback |
| Pricing model | Not confirmed | No annual fee |
| Rewards rate | Not confirmed | Up to 2% crypto cashback in NEXO Tokens, or 0.5% in BTC at Platinum tier, on purchases in Credit Mode |
| Perks | Not confirmed | Free ATM withdrawals up to EUR 2,000 / GBP 1,800 per month at Platinum tier, then 2% fee (min EUR/GBP 1.99), Apple Pay and Google Pay supported, Interest earned on unspent funds (Nexo Loyalty Program, up to 13% per year), Accepted at over 100 million merchants globally, Virtual card activated instantly with 50 USD balance; free shipping for physical card above 5,000 USD balance at Gold tier or higher, No monthly, annual or inactivity card fees |
| Cashback rate | Not confirmed | 0.5% to 2% |
| Card kind | Not confirmed | Credit |
Where each stands against the rest
| Fact | COCA Card | Nexo | Median |
|---|---|---|---|
| Monthly fee | €0at the median | €0at the median | €0 |
| Currency conversion fee | 0%below the median | 0.2% to 2.5%below the median | 1% |
| Cashback rate | 8%highest quarter | 0.1% to 2%at the median | 2% |
| Currencies | Not confirmed | 100highest quarter | 8 |
Median across 336 listed providers.
Pros and cons
COCA Card
Pros
- Foreign spending converts at 0%, where bunq charges 0.5% to 3%
- A monthly fee of €0, with a debit card on visa
- Cashback at 8% on everyday card spend, plus crypto, virtual card and self custody listed on the account
Cons
- Support runs on help centre and community alone, with no phone line for a blocked card
- The free ATM allowance of $250 puts it at 21 of 124 on that measure
- The provider is CCA Labs - FZCO in United Arab Emirates, outside the UK and Europe, so UK and European readers should check who holds the balance
Nexo
Pros
- No monthly or annual card fees: €0 and €0.
- Crypto cashback is available in NEXO Tokens or BTC at Platinum tier in Credit Mode.
- Multi-currency use, virtual cards, travel, Apple Pay and Google Pay are supported.
Cons
- Foreign exchange costs are 0.2% to 2.5%, which may add to overseas spending.
- Supported crypto is held in custodial custody under custodial.
- Cashback and ATM terms depend on card tiers, so lower tiers receive less favourable benefits.
Who each suits
COCA Card
Who it suits
- Crypto holders who want one balance to pay for everyday card spending without giving up self-custody
- Travellers and multi-currency spenders, since conversion costs 0%
- Readers comfortable with a mobile wallet, since the account is built around phone-held crypto
Who should look elsewhere
- Anyone set on a credit card: Varo Believe Secured Credit Card is a secured card with a monthly fee of $0, not the debit card here
- Readers who need a phone line for a blocked card, since support runs on help centre and community alone
- Wise users who want a multi-currency account at a monthly fee of £0 and no interest in holding crypto in self custody
Nexo
Who it suits
- Businesses seeking a multi-currency card with no monthly or annual card fees.
- Crypto users comfortable with crypto cashback and custodial custody.
- Travellers who want Mastercard, virtual-card, Apple Pay and Google Pay support.
Who should look elsewhere
- bunq may suit readers whose stated foreign exchange fee range is 0.5% to 3%.
- Varo Believe Secured Credit Card may suit readers focused on a card with a stated monthly fee of $0.
- Wise may suit readers looking for a different everyday money platform, with a stated monthly fee of £0.
Current offers
Country by country
| Country | COCA Card | Nexo |
|---|---|---|
| Andorra | Yes | No |
| Brazil | Yes | No |
| Chile | Yes | No |
| Colombia | Yes | No |
| Ecuador | Yes | No |
| Gibraltar | Yes | No |
| Indonesia | Yes | No |
| Malaysia | Yes | No |
8 of 54 countries where either is available.
Questions about each
COCA Card
How much does COCA Card cost to hold?+
The account carries a monthly fee of €0, and the card costs $0 to $5 to order. Currency conversion is charged at 0%, so foreign spending adds nothing on top. Together that makes everyday use effectively free, with cashback at 8% as the only reward on offer.
Can I withdraw cash at ATMs?+
Yes, with an allowance of $250 in free withdrawals. On the wider debit card market that puts the card at 21 of 124, so heavy cash use is where other cards pull ahead. The debit card runs on visa, which helps abroad.
Nexo
What are the Nexo card fees?+
Nexo lists a monthly card fee of €0 and an annual card fee of €0. Its published perks also state that there are no monthly, annual or inactivity card fees.
What is the currency conversion fee?+
Foreign exchange fees are 0.2% to 2.5%. The exact amount can therefore vary, so overseas purchases and ATM withdrawals may cost more than transactions made in the card's base currency.