im a android lover, but iphone 5s beats nexus 5 easily, if you want a Good android device you can try LG G2,Note 3 or xperia Z1,nexus 5 is not an high-end phone.
sorry , im never did this before, what you mean by thru bank/credit card, im just expecting a payment, after they send it, i just have to get the number and cash out from a bank right? di i need bank/credits cards to do this?