Comparison
Nexo Card vs. PayitFast Card: fees, limits & KYC
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Nexo CardNexo
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
PayitFast CardPayitFast
In short
- PayitFast Card has the higher score (63.95).
| Attribute |
Nexo CardNexo
Requires KYC
Private
Virtual
Physical
|
PayitFast CardPayitFast
Requires KYC
Private
Virtual
Physical
Metal
|
|---|---|---|
| Score | average | average with variant Dynamic CVV Metal/ LED (waitlist): 63.89 with variant Signature Jewellery (waitlist): 63.89 |
| CostsWeight 25 % | 90 | 74 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 81 | 93 |
| AvailabilityWeight 10 % | 40 | not scored |
| RewardsWeight 10 % | 16 | 77 |
| TrustWeight 10 % | 69 | 68 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card form |
credit
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
Credit Mode is how Nexo delivers a crypto credit card experience. Your crypto stays, you spend borrowed fiat.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
credit
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
The PayitFast Card is a collateralized credit card. The credit limit available on your PayitFast Card will be determined by reference to the Market Value of your Collateral and any applicable advance...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card types (differs) |
virtual, physical
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
You can use it right away online, through Apple Pay or Google Pay. You can also order your physical card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
virtual
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Card issuance (Virtual Platinum) | $5 | Virtual, instant after KYC |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
physical
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Physical card issuance (Signature, PVC) | $50 | Join waitlist |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
physical, metal
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| ATM per-withdrawal limit (Dynamic CVV Metal/ LED) | $5,000 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
physical
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| ATM per-withdrawal limit (Signature Jewellery) | $10,000 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network (differs) |
Mastercard
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
- 100M+ merchants worldwide — anywhere Mastercard is accepted.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Visa
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
The card program is issued by the Issuer under license from Visa.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custody |
custodial
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
Industrial-grade custody, instant card freezes, security spending controls, and biometric locks that keep your card experience smooth and uninterrupted.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
custodial
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
"Custodian" means Fireblocks, or another custody or wallet infrastructure provider approved by PayitFast and Rain for the holding and administration of Assets.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding model |
credit line
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
Grow your buying power with crypto-backed Credit Lines starting from 1.9% interest.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
credit line
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
The PayitFast Card is a collateralized credit card. The credit limit available on your PayitFast Card will be determined by reference to the Market Value of your Collateral and any applicable advance...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currencies (differs) |
EUR, GBP, USD
nexo.com checked 28 Oct 2026
Source and check
Source
nexo.com
Wording at the source
For Nexo Cards issued in EUR or GBP: - Base: EUR 200 / GBP 180 - Silver: EUR 400 / GBP 360 - Gold: EUR 1,000 / GBP 900 - Platinum: EUR 2,000 / GBP 1,800 For Nexo Cards issued in USD:Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean? |
USD
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
Available in USD with US BIN. Additional BINs and supported jurisdictions may be introduced in the future, subject to regulatory approval, commercial arrangements and operational readiness.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usage |
personal
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
*The Nexo Card is only available to European Economic Area (EEA) citizens and residents.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
personal
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
- You will use the PayitFast Card for personal, family, or household use.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs) |
DiPocket
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
The Dual Mode capability on the Nexo Card builds upon the advanced infrastructure already provided by Mastercard and DiPocketChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Third National Bank
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
"Issuer" refers to Third National Bank, and any successor or permitted assignee that assumes responsibility as issuer of the PayitFast Card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Limits depend on (differs) | unknown |
KYC level, plan, account tier, user setting
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
Actual fees, exchange rates, processing times, and limits may vary depending on your location, card tier, payment method, blockchain network conditions, third-party service providers, and applicable r...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cards per account | unknown | |
| Availability | ||
| Available in (differs) | unknown |
only in the app
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
Certain countries may be temporarily unavailable due to regulatory, compliance, or operational requirements. If your country does not appear in the verification list, onboarding services are currently...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto | ||
| Supported assets (differs) |
BTC, ETH
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
Combine BTC, ETH, and 100+ supported assets as collateral, then swap them anytime as the market evolves.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
BTC, ETH, USDT, USDC, SOL, BNB, XRP, ADA, DOGE, TRX, DOT, AVAX, XLM, SUI
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Network | Supported assets | Deposit fee | Withdrawal fee | |---|---|---|---| | Ethereum (ERC-20) | ETH, USDC, USDT, DOGE | Free (excl. network fees) | Network fee only | | BSC (Binance Smart Chain)...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown | |
| Top-up networks (differs) |
Ethereum, Tron, Solana
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
### Seamless crypto transfers Receive crypto from external platforms or wallets across 20+ blockchain networks like Ethereum, Solana, and Tron.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Bitcoin, Ethereum, Tron, Solana, BNB Smart Chain, Polygon, Arbitrum, Optimism, Avalanche, Stellar, Sui, XRP Ledger
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Network | Supported assets | Deposit fee | Withdrawal fee | |---|---|---|---| | Ethereum (ERC-20) | ETH, USDC, USDT, DOGE | Free (excl. network fees) | Network fee only | | BSC (Binance Smart Chain)...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? + 3 moreBitcoinEthereumTronSolanaBNB Smart ChainPolygonArbitrumOptimismAvalancheStellarSuiXRP LedgerCardanoDogecoinPolkadot |
| Fiat top-up |
Yes
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
Fund your account effortlessly. Add funds via bank transfers under your name, or choose from simple alternatives that match your needs. ### Crypto-friendly bank transfers Your personal USD, EUR, an...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Yes
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
Fund your account through cards, digital wallets, bank transfer, or crypto.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Payments | ||
| Mobile wallets |
Apple Pay
Google Pay
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
Apple Pay and Google Pay supported for smooth, card-free transactions.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
Link your wallet and load stablecoins to make payment via Apple Pay or Google Pay.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawals |
Yes
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
Enjoy up to €2,000 / £1,800 in free ATM withdrawals per month.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Yes
payitfast.com checked 29 Oct 2026
Two sources, two values
ShownYes
payitfast.comchecked 29 Oct 2026
### ATM WITHDRAWAL FEES & LIMITS | Item | Amount | |---|---| | ATM withdrawal fee (USD) | $2 flat + 1.30% of amount |DifferingNo payitfast.comfetched 29 Oct 2026 Cash advances and balance transfers are not available under these Card Terms.Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| Contactless |
Yes
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
Apple Pay can be used anywhere that accepts contactless payments, including on transport and in shops, restaurants and cafes worldwide.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Yes
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Contactless (tap to pay) | 0% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance (differs) |
0.00 EUR
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
- Free Virtual Card Issue free a virtual card instantly and use it through our app or with the Apple Pay & Google Pay integrations.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
5.00 USD
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Card issuance (Virtual Platinum) | $5 | Virtual, instant after KYC |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Physical card issuance | unknown |
50.00 USD
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Physical card issuance (Signature, PVC) | $50 | Join waitlist |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Free cards | unknown | |
| Shipping |
Standard:
unknown
2 more countries/regionsEEA: 0.00 EUR – 0.00 EUR nexo.com checked 29 Oct 2026 Source and check Source nexo.com Wording at the sourceThe physical Nexo Card is also free, including shipping.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? United Kingdom: 0.00 GBP – 0.00 GBP nexo.com checked 29 Oct 2026 Source and check Source nexo.com Wording at the source There's also free shipping for the physical Nexo Card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Monthly fee (differs) |
0.00 EUR
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
- No monthly, annual, or inactivity fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
0.00 USD
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Monthly card fee | Free | No maintenance fee |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Annual fee (differs) |
0.00 EUR
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
- No monthly, annual, or inactivity fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Top-up fee | unknown | |
| Crypto deposit fee | unknown | |
| Crypto conversion fee (differs) | unknown |
0.75 %
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Crypto conversion (spend from crypto balance) | 0.75% per transaction |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Foreign currency fee (differs) | unknown |
1 %
payitfast.com checked 29 Oct 2026
Two sources, two values
Shown1 %
payitfast.comchecked 29 Oct 2026
| FX fee (all non-USD transactions) | 1% |Differing2.2 % payitfast.comfetched 29 Oct 2026 - Foreign Exchange Fee (non USD): 2.2%Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| FX free allowance | unknown | |
| Minimum FX fee | unknown | |
| ATM fee (differs) | unknown |
1.3 % + 2.00 USD
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| ATM withdrawal fee (USD) | $2 flat + 1.30% of amount |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Transaction fee (differs) | unknown |
free
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Card spend (USD) | 0% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cross-border fee (differs) | unknown |
2.2 %
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
- Cross Border Fee: 2.2%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Withdrawal fee | unknown | |
| Activation fee | unknown | |
| Minimum top-up | unknown | |
| Declined payment fee (differs) | unknown |
2.00 USD
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
| Decline fee (insufficient balance) | $2 per decline |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Refund fee | unknown | |
| Inactivity fee (differs) |
0.00 EUR
nexo.com checked 29 Oct 2026
Source and check
Source
nexo.com
Wording at the source
- No monthly, annual, or inactivity fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
|
| Minimum monthly spend | unknown | |
| Inactivity rule | unknown | |
| Card replacement | unknown | |
| Rewards | ||
| Cashback (differs) | 0.1 % (Base); 0.2 % (Silver); 0.3 % (Gold); 0.5 % (Platinum) · in BTC | |
| Referral bonus (invited friend) (differs) | unknown |
not published
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
Referral rewards may be offered to: - the referring participant; - the referred customer; or - both, subject to the conditions of the applicable promotion.Checked Verified Add this value? No earlier versions What does [s] mean? |
| Referral bonus (you) (differs) | unknown |
not published
payitfast.com checked 29 Oct 2026
Source and check
Source
payitfast.com
Wording at the source
The availability, value, form, eligibility requirements and payment conditions of any referral reward will be displayed in the PayitFast app, website or applicable promotional materials for the releva...Checked Verified Add this value? No earlier versions What does [s] mean? |
| Welcome bonus | unknown | |
Highlighted rows differ.
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
Watch both cards
One mail when something changes at Nexo Card · PayitFast Card: promotions and bonuses as well as warnings and incidents.