Crypto.com vs Nexo: which card pays you without a stake?
By Premio editorial team
· fact-checked by Premio data desk
· updated
24 Sep 2026
· scored with
The short answer
Both are custodial cards with no annual fee. Crypto.com works in more regions and supports Samsung Pay, but its base tier pays 0% until you lock up CRO. Nexo pays 0.5% on the base tier with no stake. For cashback without staking, Nexo wins; for wallets and regions, Crypto.com wins.
Side by side
BL
Bleap
8.4 / 10
Base cashback
1%
cap €30/mo
Top cashback
20%
€50k staked
Annual fee
€0
FX markup
0%
ATM
2%
Custody
Self-custody
Network
Mastercard
KYC
full
Wallets
Apple Pay · Google Pay
Available in
EU/UK
Bonus
$10
first purchase
Partner link
GN
Gnosis Pay
8.1 / 10
Base cashback
1%
no cap
Top cashback
5%
hold GNO
Annual fee
€0
FX markup
0%
ATM
None
Custody
Self-custody
Network
Visa
KYC
full
Wallets
Apple Pay · Google Pay
Available in
EU/UK
Bonus
Not a partner
Partner links earn us a commission. They never change our verdict.
Who wins for what
Cashback with no stake
Winner: Nexo
0.5% on the base tier. Crypto.com pays 0% until you lock up CRO.
Living outside the EU and UK
Winner: Crypto.com
Available in many more regions; Nexo covers the EU and UK.
Samsung Pay users
Winner: Crypto.com
Supports Apple Pay, Google Pay and Samsung Pay. Nexo supports Apple Pay and Google Pay.
Frequently asked
Which pays more cashback, Crypto.com or Nexo?
On the base tier, Nexo: 0.5% against 0%. Crypto.com can pay up to 5%, but only with a CRO lock-up.
Do Crypto.com and Nexo charge an annual fee?
No. Both base tiers cost €0 a year.
Who holds my crypto with these cards?
The issuer. Both are custodial: your funds sit in an account the company controls.