Nexo vs Wirex: which custodial card still pays you?
By Premio editorial team
· fact-checked by Premio data desk
· updated
24 Sep 2026
· scored with
The short answer
Both are custodial cards for the EU and UK with no annual fee. Wirex ended cashback in the EEA in June 2026, so Nexo’s 0.5% base rate is the only cashback left in this pair. Wirex still charges 0% FX against Nexo’s 0.2%. For cashback, Nexo wins; for FX on travel, Wirex wins by a small margin.
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 in the EEA
Winner: Nexo
0.5% on the base tier. Wirex ended EEA cashback in June 2026.
Signup offer
Winner: Nexo
$20 after three purchases. Wirex has no current offer.
FX on travel
Winner: Wirex
0% FX against Nexo's 0.2%. Both charge 2% at ATMs.
Frequently asked
Which is cheaper, Nexo or Wirex?
Both charge €0 a year and 2% on ATM withdrawals. Wirex charges 0% FX; Nexo charges 0.2%.
Why does Wirex score lower?
It ended cashback in the EEA in June 2026 and has a more complex fee structure. The full reasons are on the Wirex review.
Who holds my crypto with these cards?
The issuer. Both are custodial: your funds sit in an account the company controls.