Nexo vs Ramp
Torn between Nexo and Ramp? The comparison below is built from the same test data we use across the rest of the site.
Nexo issues on Visa · Mastercard and Ramp on Visa; verification is ID + proof at Nexo versus ID only at Ramp; only Nexo takes crypto top-ups.
Nexo is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. Ramp is the better fit for power users who need ad spend.
The two, compared
| Field | Nexo | Ramp |
|---|---|---|
| Card network | Visa, Mastercard | Visa |
| Card type | Crypto Card | B2B Expense / Corporate |
| KYC | ID + proof | ID only |
| Card issuance fee | Free (virtual card instant activation) | Free |
| Monthly fee | Free (no monthly/annual/inactivity fee) | Free |
| Top-up fee | 0% | — |
| FX fee | 0.2% (EEA weekday) / 2% elsewhere (2.5% weekend) | 0% |
| Crypto funding | Yes (20+ blockchain funding; USDT/USDC/ETH/SOL etc.) | No |
| AI tool support | ChatGPT / Claude / Midjourney | ChatGPT |
| Risk level | Low-Medium | Low |
| Our rating | 8.3 | 9.1 |
| User reviews | 783 | 550 |
| Best for | All-rounder · AI subscriptions | Ad spend · AI subscriptions |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Side by side
- Multi-task users get more from Nexo — it clears more of the checkouts we run through our test suite.
- Ramp 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, Ramp finished ahead of Nexo — not by a mile, but enough to tilt a tiebreak.
- Ramp carries the lower risk flag in our file, which some users prefer for a primary card.
Two cards, one decision
Run the numbers against your own usage. Nexo runs free to create plus no top-up fee per top-up; Ramp runs free plus no top-up fee. For one or two subscriptions the first column wins; for ad-platform billing, the second does.
Questions people ask
That depends on what you spend on. Nexo scores 8.3/10 against Ramp's 9.1/10 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.
Nexo is the cheaper card to run. Both Nexo and Ramp issue virtual cards for free; Nexo reloads at 0%, while Ramp publishes no top-up percentage.
Nexo asks for ID + proof at signup; Ramp asks for ID only. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 1 of the same test scenarios, including Hetzner. 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
Nexo and Ramp both landed in our top picks for 1 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🌐 Cloud & VPS 1
Their BIN ranges
Cards issued in 🇪🇺 Europe (EEA) · 🇺🇸 US — 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: