MyFin vs Nexo
Both MyFin and Nexo clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
Both issue on Visa · Mastercard; verification is ID only at MyFin versus ID + proof at Nexo; only Nexo takes crypto top-ups.
MyFin is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee, 0% foreign transaction fees. Nexo is the better fit for power users who need crypto funding and AI subscriptions.
The head to head
| Field | MyFin | Nexo |
|---|---|---|
| Card network | Visa, Mastercard | Visa, Mastercard |
| Card type | Digital Bank / Neobank | Crypto Card |
| KYC | ID only | ID + proof |
| Card issuance fee | Free | Free (virtual card instant activation) |
| Monthly fee | Free (Standard); Advanced ~€5.14; Premium ~€10.23/€10 per mo | Free (no monthly/annual/inactivity fee) |
| Top-up fee | — | 0% |
| FX fee | 0% | 0.2% (EEA weekday) / 2% elsewhere (2.5% weekend) |
| Crypto funding | — | Yes (20+ blockchain funding; USDT/USDC/ETH/SOL etc.) |
| AI tool support | — | ChatGPT / Claude / Midjourney |
| Risk level | Low-Medium | Low-Medium |
| Our rating | 8.8 | 8.3 |
| User reviews | 376 | 783 |
| Best for | App Store / Play · Free issuance | All-rounder · AI subscriptions |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Side by side
- Nexo covers a wider spread of use cases; MyFin is more of a single-purpose tool.
- MyFin has the lighter onboarding; Nexo will want more documents from you.
- Only Nexo takes crypto top-ups in our data — worth knowing before you decide.
- In our scoring, MyFin finished ahead of Nexo — not by a mile, but enough to tilt a tiebreak.
What sets them apart
MyFin is the cheaper card to hold: free to create and no top-up fee, against free and no top-up fee at Nexo. Nexo earns its keep only if you need crypto funding and AI subscriptions.
Questions people ask
That depends on what you spend on. MyFin scores 8.8/10 against Nexo's 8.3/10 in our tests, but the two split on fees, KYC and crypto funding. Read the table above, then match it to the checkouts you actually run.
MyFin works out cheaper: no virtual card issuance fee, free account maintenance, 0% foreign transaction fee. Nexo adds a 0.2% FX fee.
MyFin asks for ID only at signup; Nexo asks for ID + proof. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 2 of the same test scenarios, including Amazon US, Xbox Live. They overlap on a good share of checkouts, so the choice between them matters most on those pages. Where one is accepted and the other is not usually comes down to the billing country and 3-D Secure handling.
Where both show up
MyFin and Nexo both landed in our top picks for 2 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🛍️ Cross-border Shopping 1
🎮 Gaming 1
Their BIN ranges
Cards issued in 🇪🇺 Europe (EEA) — the country guides group every range we track from there.
What our charge log shows
Every count here is a real charge attempt we placed on that range, renewals included, with the gateway response recorded. Weeks tracked is how long the range has been in the programme: