Updated October 18, 2026 · SumCue Editorial Team
Nebeus vs Nexo
Nebeus
Higher score in this comparison
Nexo
What sets them apart
| Compare | NebeusReviewVisitVisit | NexoReviewVisitVisit |
|---|---|---|
| Wallet type | Software | Mobile |
| Custody | Self custody | Custodial |
| Coins supported | 30 | 100Higher |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Nebeus scores higher overall: 9.1 vs 8.9.
- Founded is lower at Nebeus: 2014 vs 2018.
- Nexo is licensed in 5 more countries.
- Coins supported is higher at Nexo: 100 vs 30.
- Support channels: only Nexo offers Chat, Email.
- Features: only Nexo offers Travel.
Our verdict on each
Nebeus
Nebeus users sign in on the web platform or mobile app, select a cryptocurrency to activate and can then make transactions in that currency.
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 | Nebeus | Nexo |
|---|---|---|
| Cost | Not confirmed | 9.2Monthly and annual card fees are €0 and €0, while foreign exchange costs are 0.2% to 2.5%. |
| Offer | 8.2 | 9.2HigherThe card supports crypto cashback, multi-currency use, virtual cards, travel, Apple Pay and Google Pay. |
| Trust | 9.5Higher | 8.3 |
Availability and regulation
| Country | Nebeus | 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 | |
| Spain | Not confirmed | |
| United States | Not confirmed |
A third option
Bitpanda has coins supported at 650, against 30 for Nebeus and 100 for Nexo.
Bitpanda reviewHow they place
| Ranking | Nebeus | Nexo |
|---|---|---|
| Credit and debit cards | 422 of 1594 | 10 of 1594 |
| Debit cards | 21 of 826 | 8 of 826 |
| Crypto | 23 of 428 | 187 of 428 |
| Crypto wallets | 15 of 249 | 4 of 249 |
Every fact side by side
| Fact | Nebeus | Nexo |
|---|---|---|
| Features | Multi currency, Crypto, Virtual card, Custodial | Multi currency, Crypto, Virtual card, Custodial, TravelCovers more |
| Legal entity | Rintral Trading SLU | DiPocket UAB |
| Headquarters | Spain | Not confirmed |
| Founded | 2014Lower | 2018 |
| Support channels | Help centre | Chat, Email, Help centreCovers more |
Debit cards
| Fact | Nebeus | Nexo |
|---|---|---|
| Monthly fee | €0 | €0 |
| Currency conversion fee | 0%Lower | 0.2% to 2.5% |
| Free ATM withdrawals | €2,000 | €200 to €2,000 |
| Card type | Debit | Debit |
| Audience | Not confirmed | Business |
| Cashback rate | 0% | 0.1% to 2%Higher |
| Card network | Not confirmed | Mastercard |
| Currencies | Not confirmed | 100 |
Crypto exchanges
| Fact | Nebeus | Nexo |
|---|---|---|
| Coins listed | 30 | Not confirmed |
| Regulators | Bank of Spain (CNMV) | Not confirmed |
| Fiat deposit methods | Bank | Not confirmed |
| Exchange type | Cex | Not confirmed |
Credit cards
| Fact | Nebeus | 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 | Nebeus | Nexo | Median |
|---|---|---|---|
| Coins supported | 30below the median | 100above the median | 75.5 |
Median across 152 listed providers.
Pros and cons
Nebeus
Pros
- Nebeus users sign in on the web platform or mobile app, select a cryptocurrency to activate and can then make transactions in that currency.
- The captured instructions do not establish country availability or security.
Cons
- Crypto activity carries value swings and risks that a steady bank deposit does not face, so holdings can shift sharply.
- The service spans crypto and everyday banking, so users who want only one of those things may find the set of tools more than they need.
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
Nebeus
Who it suits
- Nebeus users activating a cryptocurrency in the web or mobile app before making transactions
Who should look elsewhere
- People wanting only conventional banking with no crypto exposure
- Users who want a traditional branch for face to face service
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.
Country by country
| Country | Nebeus | 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
Nebeus
What kinds of users is the service mainly built for?+
The service is aimed at digital nomads, freelancers and small businesses that handle money across several currencies. People who work with international clients often use it to hold euros and crypto side by side. The mix of balances and crypto tools fits people with irregular income who want one place to manage it all.
Which crypto actions can be carried out in the service?+
Users can buy, sell and swap cryptocurrencies and stablecoins within the service. Euro transfers linked to crypto activity form another part of the offer. Borrowing against crypto holdings is also possible, which lets people keep their exposure while still reaching funds when needed. Many customers value having that flexibility close at hand.
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.