Direct comparison
Two custodial multi-level programs — Debit/Credit without entry-level saveback vs. 0.5% from Base with WPAY cap and 0% FX.
Key differences to help you choose, without an overall score.
| criterion |  Nexo Card |  Wirex One |
|---|---|---|
| NetNetwork: Visa or Mastercard. “Both” in research meets the Visa or Mastercard filter. | Visa | Visa/Mastercard |
| FXFX: Provider's surcharge when paying in foreign currency, plus target currency if used. Spread when changing assets is not 0-%-FX. Visa rate = network rate without extra markup. | 0,2/2% + WE | 0% markup |
| CapCap: Upper limit or scale of this SKU (month, AI band, flight). No cap in the cell does not mean “unlimited” if the policy is unknown. | no cap | WPAY × 7%/Mon |
| SavebackSaveback: Rate of this SKU — not the marketing cap. One number per column for sorting to work. | 0% | 0.5% |
| Card costsCard Cost: Issue or subscribe to this SKU. Month × 12 = Year. EUR 0 only with an officially free edition - “no subscription” is not a 0. Mandatory lock or hold (CRO, XPL, WPAY) is in the cell with the amount - this is not a sorting price. Tickers lead to CoinMarketCap. | $ 0 | no subscription |
| To the offerAffiliate links |
| criterion | Nexo Card | Wirex One |
|---|---|---|
| Card typeCard type: Debit debits credit/account. Prepaid is loaded beforehand. Mixed = Debit and Credit variants in one SKU line. | Debit | Debit |
| CustodyCustody: Custodial = credit on the provider account. Non-custodial = card on a wallet, not on the exchange account. | Custodial | Custodial |
| Apple/Google PayApple/Google Pay: Hard Research Line. A help text “2025 is coming” does not count as yes. | ✓ | ✓ |
Conclusion — Strengths, limitations and suitable uses. Your workflow and the functions it requires are what matter.
In this direct comparison, Nexo Card and Wirex One are two crypto card programs with several levels. Both are custodial: funds are held by the issuer, not in your own wallet. If you want to pay with Visa in everyday life, compare two different saveback logics - hold/credit path versus WPAY-linked caps - not two pure exchange spot interfaces. The characteristics table below shows entry level values; higher columns per program remain on the product profiles.
Nexo Card bundles debit and credit modes in one Visa program for EEA/UK. The debit column starts with $ 0 Issue and 0% Saveback — Rewards run via the credit path from Portfolio Hold (0.5% NEXO, Caps 50–$ 200/Mo). FX: 0,2/2% plus weekend note. Apple Pay and Google Pay are documented. If you only use debit, you won't see any saveback; This is not a hidden error, but the documented entry logic. More context: Nexo Card.
Wirex One starts in Base with 0.5% saveback, no monthly card subscription and FX 0% markup in all columns. The saveback cap follows WPAY × 7%/Mo — not a fixed Euro cap like broker cards. Five Steps to Bespoke; the network is Visa and Mastercard. Higher columns require WPAY proportion and minimum holdings - rate and cap formula belong together. Details: Wirex One.
There is no overall rating: If you are looking for debit without a subscription and a clear FX grid, read Nexo more closely; If you prioritize saveback from the first column and 0% FX markup, compare Wirex - both remain custodial. The relative classification is derived from the catalog lines.