Updated September 29, 2026 · SumCue Editorial Team
DKB vs Nexo
DKB
Higher score in this comparison
Nexo
DKB vs Nexo: the differences
| Compare | DKBReviewVisitVisit | NexoReviewVisitVisit |
|---|---|---|
| Monthly fee | €0 to €4.50 | €0 |
| Currency conversion fee | 0% to 2.2%Lower | 0.2% to 2.5% |
| Cashback rate | 10%Higher | 0.1% to 2% |
| Card network | Visa | Mastercard |
| Free ATM withdrawals | Not confirmed | €200 to €2,000 |
| Currencies | Not confirmed | 100 |
| Custody | Not confirmed | Custodial |
Same on both: Card type (Debit).
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Key differences
- DKB scores higher overall: 9.3 vs 8.9.
- Nexo is licensed in 5 more countries.
- Nexo is available in 35 more countries.
- Currency conversion fee is lower at DKB: 0% to 2.2% vs 0.2% to 2.5%.
- Cashback rate is higher at DKB: 10% vs 0.1% to 2%.
- Features: only Nexo offers Multi currency, Crypto, Custodial.
- Audience: only DKB offers Student, Kids.
- Audience: only Nexo offers Business.
Our verdict on each
DKB
DKB suits everyday spenders seeking a Visa debit linked to a current account with monthly fees of €0 to €4.50 and currency conversion fees of 0% to 2.2%. Travel spending and online shopping stay simple with virtual card support plus helpful guides for account queries.
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 | DKB | Nexo |
|---|---|---|
| Cost | 9.3HigherMonthly fees run €0 to €4.50 with currency conversion fees of 0% to 2.2% | 9.2Monthly and annual card fees are €0 and €0, while foreign exchange costs are 0.2% to 2.5%. |
| Offer | 8.9Visa debit of debit on Visa with platforms on Web Banking and DKB App | 9.2HigherThe card supports crypto cashback, multi-currency use, virtual cards, travel, Apple Pay and Google Pay. |
| Trust | 9.4HigherSupervision under European Central Bank and Federal Financial Supervisory Authority (BaFin) with deposit protection of EU DGS up to EUR 100,000 | 8.3 |
Ranges side by side
| Fact | DKB | Nexo |
|---|---|---|
| Currency conversion fee | 0% to 2.2% | 0.2% to 2.5% |
The bill, worked out
A year with 1,000 spent abroad
DKB
€0 to €76
12 × €0 to €4.50 + 0% to 2.2% of 1,000
Nexo
€2 to €25
12 × €0 + 0.2% to 2.5% of 1,000
DKB costs €2 less.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 29, 2026.
How they place
| Ranking | DKB | Nexo |
|---|---|---|
| Credit and debit cards | 4 of 1594 | 10 of 1594 |
| Credit cards | 1 of 421 | 2 of 421 |
| Debit cards | 2 of 826 | 8 of 826 |
Every fact side by side
| Fact | DKB | Nexo |
|---|---|---|
| Features | Travel, Virtual card | Multi currency, Crypto, Virtual card, Custodial, TravelCovers more |
| Audience | Student, Kids | Business |
| Legal entity | Not confirmed | DiPocket UAB |
| Founded | Not confirmed | 2018 |
| Support channels | Not confirmed | Chat, Email, Help centre |
Credit cards
| Fact | DKB | Nexo |
|---|---|---|
| Annual fee | €29.88 | €0Lower |
| APR | 6.99% | from 1.9%Lower |
| Rewards type | None | Cashback |
| Pricing model | No monthly fee | 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 | Credit | Credit |
| Regulators | European Central Bank, Federal Financial Supervisory Authority (BaFin) | Not confirmed |
Savings
| Fact | DKB | Nexo |
|---|---|---|
| Headline rate | 1% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Term | 12 to 120 months | Not confirmed |
| Minimum deposit | €0 | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Access terms | anytime access, payouts only to reference account | Not confirmed |
| Account kind | Easy access | Not confirmed |
Crypto wallets
| Fact | DKB | Nexo |
|---|---|---|
| Wallet type | Not confirmed | Mobile |
| Coins supported | Not confirmed | 100 |
Where each stands against the rest
| Fact | DKB | Nexo | Median |
|---|---|---|---|
| Monthly fee | €0 to €4.50at the median | €0at the median | €0 |
| Currency conversion fee | 0% to 2.2%below the median | 0.2% to 2.5%below the median | 1 |
| Free ATM withdrawals | Not confirmed | €200 to €2,000highest quarter | €4 |
| Cashback rate | 10%highest quarter | 0.1% to 2%at the median | 2% |
| Currencies | Not confirmed | 100highest quarter | 8 |
Median across 336 listed providers.
Pros and cons
DKB
Pros
- Monthly fees of €0 to €4.50 keep account keeping modest next to funded rivals such as XTB at PLN 0
- Currency conversion fees of 0% to 2.2% on Visa give clear terms for travel and cross border shopping
- Card type of debit suits direct balance spending with virtual card choice from travel and virtual card
Cons
- Support runs on help centre only, so you lack phone or live chat routes for urgent card queries
- Currency conversion fees run 0% to 2.2% on Visa, so foreign card spending can add cost
- Monthly fees run €0 to €4.50, which may suit funded accounts less well than XTB at PLN 0
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
DKB
Who it suits
- Household spenders who want Visa debit spending from balance with debit rather than Kraken style crypto linked use
- Travellers and online shoppers who value Visa acceptance and travel and virtual card next to eToro card options
Who should look elsewhere
- Readers wanting phone based card help may prefer Kraken, since DKB support runs on help centre only
- Readers wanting prepaid style separation may look past DKB, since its card type is debit on Visa
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 | DKB | Nexo |
|---|---|---|
| Argentina | No | Yes |
| Australia | No | Yes |
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
8 of 36 countries where either is available.
Questions about each
DKB
What monthly charges apply to the account behind the card?+
Monthly fees run €0 to €4.50 for the linked current account behind the debit card. You can keep account keeping costs modest while using the Visa for shops, cash points and online checkouts. Terms vary with account use, so review the fee table before applying.
How do foreign currency card payments work?+
Currency conversion fees run 0% to 2.2% when you pay in foreign currency with the Visa. You still get wide acceptance on Visa for holidays, business trips and cross border shopping. Check the applied rate at payment time to manage travel budgets.
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.
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