Nexo vs Solflare Card
Two virtual cards people weigh up side by side. We put Nexo and Solflare Card on the same rows so the difference is easy to see.
Nexo issues on Visa · Mastercard and Solflare Card on Visa; both ask for ID + proof; only Nexo funds by bank transfer.
Nexo is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. Solflare Card still clears the same checkouts in our tests, so match the table to the services you actually pay for.
What sets them apart
| Field | Nexo | Solflare Card |
|---|---|---|
| Card network | Visa, Mastercard | Visa |
| Card type | Crypto Card | Crypto Card |
| KYC | ID + proof | ID + proof |
| 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) | 1% |
| Crypto funding | Yes (20+ blockchain funding; USDT/USDC/ETH/SOL etc.) | Yes (Solana ecosystem) |
| AI tool support | ChatGPT / Claude / Midjourney | ChatGPT / Claude / Midjourney |
| Risk level | Low-Medium | Low-Medium |
| Our rating | 8.3 | 8.5 |
| User reviews | 783 | 499 |
| Best for | All-rounder · AI subscriptions | All-rounder · AI subscriptions |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
The short version of the matchup
- They trade blows — pick on the two or three rows that match how you actually spend.
Two cards, one decision
Nexo is the cheaper card to hold: free to create and no top-up fee, against free and no top-up fee at Solflare Card. Solflare Card earns its keep only if you need the rows where it leads in the table.
Questions people ask
That depends on what you spend on. Nexo scores 8.3/10 against Solflare Card's 8.5/10 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 works out cheaper: no virtual card issuance fee, free account maintenance. Solflare Card adds a 1% FX fee.
Nexo asks for ID + proof at signup; Solflare Card 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 1 of the same test scenarios, including ElevenLabs. 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 Solflare Card both landed in our top picks for 1 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🤖 AI Tools & Developer Tools 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: