Nexo Card vs Payy Card
The short answer
Winner: Nexo Card — 7.6/10 versus 6/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Nexo Card
KYC
Payy Card
KYC
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
2%
0%
ATM fee
2%
Free
FX fee
0.2%
1%
Per transaction
$10k
Unlimited
Daily limit
$10k
Unlimited
Monthly limit
$60k
Unlimited
KYC
KYC
KYC
Card type
Credit
Debit
Custody
Custodial
Non-custodial
Conversion fee
0.75%
Free
ATM per transaction
$800
Unlimited
Network
visa
visa
IBAN
✓
✗
Apple Pay
✓
✓
Google Pay
✓
✗
Countries
19
41
Coins
BNB, BTC, ETH, USDC, USDT
USDC, USDT
Nexo Card vs Payy Card FAQ
On our composite score Nexo Card edges ahead (7.6/10 vs 6/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.