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Head-to-head · Crypto Cards

Nexo Card vs RedotPay Card Nexo Card leads by 14 points.

Nexo Card scores 14 points above RedotPay Card, led by cost abroad, card reliability, and named issuer. Nexo Card ranks #3 and RedotPay Card #6 of 9 published crypto cards. Every term of the gap is on the ledger below; the inputs are on the audit receipt.

Nexo Card69
RedotPay Card55
Scores are out of 100; published scores fall within 41–99 · ranks #3 and #6 of 9
Methodology v2026.10.18Ranking snapshot Evidence verified through 4 published criteria5 score dimensions Receipt #cc-VS-NEXO-CARD-VS-REDOTPAY-CARD-981aba6d
Published verdictRanking snapshot 3 November 2026

Nexo Card leads by 14 points

Nexo Card scores 14 points above RedotPay Card, led by cost abroad, card reliability, and named issuer.

Nexo Card #3 of 969
RedotPay Card #6 of 955
Scores are out of 100; published scores fall within 41–99; a bar is empty at 41 and full at 99.
Why, term by termNexo Card leads on 4 of 4 published criteria; RedotPay Card on 0. The terms sum to the gap.
TermNexo CardRedotPay CardWeightPoints
Cost abroad8/102/107.9+12.4for Nexo Card+6.3 of 32
Card reliability9/105/106.2+6.5for Nexo Card+3.3 of 32
Named issuer6/102/105+5.2for Nexo Card+2.7 of 32
Tax on spending8/103/104.8+6.2for Nexo Card+3.2 of 32
AvailabilityScore dimension61220−15.6for RedotPay Card
Net of the terms+14.7
Criteria roundingThe criteria block is rounded to whole points before it is spread−0.2
Reproduced gap+14.6
Published gapAfter score rounding and bounds — see the note below6955+14.0

Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.

Quick facts

At a glance

1 of 3 rows read the same for both.
FactNexo CardRedotPay Card
PricingSnapshotFrom https://nexo.com/crypto-card (HTTP 200, fetched 28 September 2026), verbatim: "Are there any foreign transaction fees? Yes, the respective foreign transaction (FX) fees depend on the day of the week of the transaction:" / "FX Fees on Weekdays" — "EEA/UK/CH: 0.2%" "ROW: 2%" / "FX Fees on Weekends" — "EEA/UK/CH: 0.7%" "ROW: 2.5%". ATM: "Depending on your Loyalty Tier, you can enjoy free ATM withdrawals up to a specific amount:" — "Base: Up to €200 / £180", "Silver: Up to €400 / £360", "Gold: Up to €1,000 / £900", "Platinum: Up to €2,000 / £1,800" — and "Once you reach your free withdrawal limit, you’ll be charged a 2% fee (minimum of 1.99 EUR/GBP) per additional withdrawal until your monthly limit resets again." Subscription: "Enjoy daily spending with no monthly, annual, or inactivity card fees." Card issue: "There’s also free shipping for the physical Nexo Card." / "The virtual Nexo Card can be activated once you have at least $50 to your Nexo account." / "To order a physical card, you need an account balance above $5,000 worth of digital assets and at least a Gold Loyalty Tier." Credit Mode: "Grow your buying power with crypto-backed Credit Lines starting from 1.9% interest." NOT PUBLISHED on that page, and cited as silent: the crypto-to-fiat conversion charge applied at authorisation in Debit Mode (the page says only "Tap into your crypto balance while we handle the conversion for you."), the base rate the FX percentage marks up, and the NEXO-token ratio needed to reach each Loyalty Tier (https://nexo.com/loyalty, fetched 28 September 2026, says only "The amount of NEXO Tokens you hold against the rest of your portfolio places you into one of our Loyalty Tiers."). Every figure above is unchanged from the 17 August 2026 read.From the fee schedule on https://helpcenter.redotpay.com/en/articles/10339271-redotpay-card-limitations-fees (HTTP 200, fetched 28 September 2026, article dated 24 July 2026), published only as an embedded image (https://downloads.intercomcdn.com/i/o/bor1fk18/2525426891/62aae7b9254f55235f535504fbde/20260707-182236.png, 3048x4596, unchanged since August; figures transcribed from the image, so a text checker cannot see them): "Virtual Card Application" "10.00 USD"; "Physical Card Application" "100.00 USD"; "Replacement Of Virtual Card" "5.00 USD for the first update" / "10.00 USD for each subsequent update"; "Default Currency Transaction" "Waived"; "Non-default Currency Transaction" "1.20%"; "ATM Withdrawal Fee" "2.00%" (HKD card) and "Monthly ATM Withdrawal Limits ≤ 10,000 USD：2%" / "Monthly ATM Withdrawal Limits > 10,000 USD：3%" (USD card); "Transaction Fee" "1.00%" "Refers to the cryptocurrency conversion fee"; "Small Auth Transaction Fee" "0.2 USD for each following small transaction" after five waived; "Declined Transaction Fee" "0.5 USD for each following declined transactions" after three waived; "Account Maintenance" "Waived"; "Effective from December 1, 2025". Outside that table: "Some purchases at specific merchants have a 1.5% transaction fee, with a minimum of 0.50 USD per transaction." (https://helpcenter.redotpay.com/en/articles/10339275-which-purchases-have-a-transaction-fee, fetched 28 September 2026); optional membership "Monthly Membership: $12.90 / month" / "Annual Membership: $129.00 / year", "All membership fees are non-refundable after payment is made." (https://helpcenter.redotpay.com/en/articles/14686020-getting-started-with-redotpay-pro, fetched 28 September 2026). Worked arithmetic (not a quote): one non-domestic purchase carries 1.00% conversion plus 1.20% non-default currency, 2.20% in all; one ATM withdrawal carries 1.00% plus 2.00-3.00%. The schedule crosses 12 months old on 1 December 2026.
Asset coverageEditorial——
Region fitSnapshoteuropeeurope, asia, latam
From the published criteria

Which should you pick?

Nexo Card

69#3 of 9
Leads
Pick it when
Pick Nexo Card if cost abroad matters most — it scores 8/10 to RedotPay Card's 2/10 there (weight 33).
Strength
Programme survival — 9/10
Tradeoff
The fee you can look up is not the fee that will hurt you. Nexo publishes its FX margin to four decimal-sharp cases and its ATM terms to four tiers, but it never says what BASE RATE that margin sits on, and it prices the Debit Mode crypto-to-fiat conversion at authorisation nowhere at all — the page says only "Tap into your crypto balance while we handle the conversion for you." Worse, the one lever that moves the ATM allowance from €200 to €2,000 a month is a Loyalty Tier set by "the ratio of NEXO Tokens held against the rest of your portfolio", and neither https://nexo.com/crypto-card nor https://nexo.com/loyalty publishes what that ratio has to be. So a buyer who wants the Platinum ATM allowance and the 2% cashback cannot work out, before signing up, how much of their portfolio they must convert into a single illiquid exchange token to get it — and if NEXO falls relative to the rest of the portfolio, the tier, the allowance and the cashback rate all fall with it, without a fee ever changing.

RedotPay Card

55#6 of 9
Pick it when
RedotPay Card leads on no published criterion; its edge is availability (12 vs 6 points). Pick it if that term is what you are buying.
Strength
Programme survival — 5/10
Tradeoff
The '3% cashback' that makes this card look cheap is not money and cannot be made into money. It is paid in USDs which 'can only be used for future card transactions', 'cannot be used to purchase cards, withdrawn as cash, or transferred' and 'expire after 30 days'; it is capped at 18 USDs a month; it only accrues on Apple Pay and Google Pay spend; it is clawed back if you refund the purchase; and unlocking it costs a $12.90/month membership that is 'non-refundable after payment is made'. To earn the full $18 you must route exactly $600 a month through a mobile wallet and then spend the credit again within 30 days — and the $1,000/month ATM fee waiver, the only benefit actually worth more than the fee, is reserved for annual members. Meanwhile the fees the credit is supposed to offset are 2.20% on every non-domestic swipe and 3–4% at an ATM, and clause 5.2 of the binding terms lets RedotPay change the ATM fees 'at its sole discretion from time to time without notice'.
Self-identify in 10 seconds

Which one is actually for you?

Nexo CardLeads

Choose Nexo Card if cost abroad matters most

  • Cost abroad: 8/10 against 2/10 for RedotPay Card (weight 33)
  • Card reliability: 9/10 against 5/10 for RedotPay Card (weight 26)
  • Named issuer: 6/10 against 2/10 for RedotPay Card (weight 21)
RedotPay Card

RedotPay Card leads Nexo Card on no published criterion

  • Choose it only if something outside the published criteria decides for you — your country, a funding rail, or custody.
Criterion by criterion

Scorecard

Published criteria · weight in points of 868 of 8 cells scored. Strength is read from the evidence file; the weight is the published one. Methodology

Cost abroad

by 6 of 10weight 7.9 of 86Nexo Card leads
Nexo Card8 out of 10
RedotPay Card2 out of 10

Card reliability

by 4 of 10weight 6.2 of 86Nexo Card leads
Nexo Card9 out of 10
RedotPay Card5 out of 10

Named issuer

by 4 of 10weight 5 of 86Nexo Card leads
Nexo Card6 out of 10
RedotPay Card2 out of 10

Tax on spending

by 5 of 10weight 4.8 of 86Nexo Card leads
Nexo Card8 out of 10
RedotPay Card3 out of 10

Score dimensions

weights sum to 86

The published score is five dimensions, each weighted for the category. "Published criteria" is the criteria block above; the other four are the engine's own terms — availability, friction, trust record, measured data. Each bar is one side's points out of that dimension's maximum; the weight beside the name is its points of the 86-point weighted total. The published criteria above can fill 24 of the block’s 30. A weight marked “constant here” belongs to a dimension every ranked product in the category holds at the same value: it still counts in the total, and it orders nothing here.

Availabilityweight 20 of 86
Nexo Card6/20RedotPay Card12/20
RedotPay Card leads
Published criteriaweight 30 of 86
Nexo Card18.8/30RedotPay Card7.2/30
Nexo Card leads
Frictionweight 10 of 86 · constant here
Nexo Card2.7/10RedotPay Card2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Nexo Card3.2/8RedotPay Card3.2/8
Tie
Measured dataweight 18 of 86 · constant here
Nexo Card8.3/18RedotPay Card8.3/18
Tie
Decision rulePublished order

Choose Nexo Card unless the term RedotPay Card leads on is the one you are buying.

RedotPay Card leads on no published criterion; its edge is availability (12 vs 6 points). Pick it if that term is what you are buying.

The published order weighs every criterion the same way for everyone. To weigh them your way, run .

From the published order

Next best action

If this isn't your case

Other matchups worth comparing

How you can lose money here, and what the ranking scores
  • Regulatory failure: no licence where you are, or a forced market exit.
    Scored by Whose licence is actually behind this card, and will they even tell me their name? · 21% (Nexo Card 6/10, RedotPay Card 2/10)
    Scored by Does buying a coffee create a taxable disposal, and will they hand me the record? · 20% (Nexo Card 8/10, RedotPay Card 3/10)
  • Exit failure: you cannot get out at par, on time, or with what is yours.
    Scored by Will this card still work next month, and who has to fail for it to stop? · 26% (Nexo Card 9/10, RedotPay Card 5/10)
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Insolvency failure, Execution failure, Information failure. A high place says nothing about these; the Methodology tab says what each means.
Also scored, as cost, quality or a summary of several families: What does one swipe abroad actually cost me, and can I work that out before I sign up? (33%).
Questions

Frequently asked questions

Nexo Card scores 14 points above RedotPay Card, led by cost abroad, card reliability, and named issuer. Published scores, out of 100: Nexo Card 69 (rank 3 of 9 crypto cards), RedotPay Card 55 (rank 6 of 9).

Related pages

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Written and reviewed by Founder
Reviewed Next review by Methodology v2026.10.18
How this page is reviewed

Reviewed means both products compared here was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.

Accountable for this review: Mathias Siemonsmeier, Founder.

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