Nexo Card

Nexo · Mastercard · debit · Hybrid custody

30 countriesVerified 5 Sep 2026

At $1,000/month spend with no stake, Nexo Card nets −$250 a year. According to Cardefi data, 9 of 11 key figures are verified from the issuer's pages, latest 5 Sep 2026.

Open at Nexodirect — pays us nothing

Cashback at your stake: 0.5%
Min. stake for rewards: $5,000
Annual fee: $0
FX fee: 2.0%
Net value / yr: −$250
Break-even: $0

Recalculate for a stake ofSpendchanges every number on this page

Cashback and net value by stake

Stake	Tier	Cashback	Net value / yr
$0 you Base	Base	0.5%	−$250

How this card scores

Same arithmetic as every card in the catalogue, with this card's numbers in:

Cashback at your stake	0.5% × $12,000	+$60
Yearly fees	annual $0 + 12 × $0	−$0
FX on 25.0% of spend	2.0% × $3,000	−$60
Locked stake, 5.0% opportunity cost	$5,000 × 5.0%	−$250
Net value per year		−$250

Fees in full

Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card. What this issuer charges to buy crypto with a card.

Annual fee	€0 / year 2 sources “The Nexo Card (in both Credit and Debit Mode) has no monthly or annual maintenance fees.”[3] · help_center · captured 5 Sep 2026 “Enjoy daily spending with no monthly, annual, or inactivity card fees.”[2] · landing · captured 5 Sep 2026
Monthly fee	€0 / month 1 source “No monthly or annual fee.”[3] · help_center · captured 5 Sep 2026
Card issuance	€0Virtual card with a balance from $50; first physical card and delivery free, requires a portfolio above $5,000 and the Gold tier 2 sources “Your first physical card, or a replacement for an expired card, is free to issue and free to deliver via the Default shipping method.”[5] · help_center · captured 5 Sep 2026 “There’s also free shipping for the physical Nexo Card. To order a physical card, you need an account balance above $5,000 worth of digital assets and at least a Gold Loyalty Tier.”[2] · landing · captured 5 Sep 2026
Foreign transaction (FX)	2.0%Weekdays: EEA/UK/CH 0.2%, rest of the world 2%. Weekends: 0.7% / 2.5%. The weekday rest-of-world value is recorded 2 sources “FX Fees on Weekdays EEA/UK/CH: 0.2% ROW: 2% FX Fees on Weekends EEA/UK/CH: 0.7% ROW: 2.5%”[2] · landing · captured 5 Sep 2026 “All FX conversions are subject to a 0.2% or 2% fee, depending on the Local Currency. An additional 0.5% fee is applied on weekends.”[6] · help_center · captured 5 Sep 2026
Crypto conversion / spread	— not disclosedIn Debit Mode crypto is sold at Nexo's rate; spread not disclosed. Crypto repayments in Credit Mode cost 0.26%
ATM withdrawal	2.0%2%, minimum 1.99 EUR/GBP, above the free monthly allowance by tier: Base €200, Silver €400, Gold €1,000, Platinum €2,000Free up to €200 / month 1 source “Once you reach your free withdrawal limit, you’ll be charged a 2% fee (minimum of 1.99 EUR/GBP) per additional withdrawal until your monthly limit resets again.”[2] · landing · captured 5 Sep 2026
ATM fixed fee	€1.99 / txMinimum fee per withdrawal above the allowance 1 source “Base: Up to €200 / £180”[2] · landing · captured 5 Sep 2026
Inactivity	€0 / month 1 source “Enjoy daily spending with no monthly, annual, or inactivity card fees.”[2] · landing · captured 5 Sep 2026

Reward tiers, as the issuer states them

Tier	Requirement · rate · cap
Base	0.5% · ≥ $5,000 balance (≈ $5,000 at 6 Sep 2026) · Cap: not disclosed · Paid in NEXO, BTC 2 sources “Base: 0.5% in NEXO Tokens or 0.1% in BTC”[2] · landing · captured 5 Sep 2026 “You can receive crypto cashback on every purchase when using your Nexo Card in Credit Mode if your account balance is above $5,000 worth of digital assets.”[2] · landing · captured 5 Sep 2026
Silver	0.7% · ≥ % of portfolio in NEXO · Cap: not disclosed · Paid in NEXO, BTC 1 source “Silver: 0.7% in NEXO Tokens or 0.2% in BTC”[2] · landing · captured 5 Sep 2026
Gold	1.0% · ≥ % of portfolio in NEXO · Cap: not disclosed · Paid in NEXO, BTC 1 source “Gold: 1% in NEXO Tokens or 0.3% in BTC”[2] · landing · captured 5 Sep 2026
Platinum	2.0% · ≥ % of portfolio in NEXO · Cap: not disclosed · Paid in NEXO, BTC 2 sources “Platinum: 2% in NEXO Tokens or 0.5% in BTC”[2] · landing · captured 5 Sep 2026 “Up to 2% crypto cashback when using the Nexo Card.”[7] · landing · captured 5 Sep 2026

Limits

Spend per month	— not disclosedLimits are visible in the app, not disclosed publicly. Nexo Private ($100,000+) has higher limits
Min balance at fuel pumps	$175 1 source “the minimum Spending Balance required for such transactions is 175 USD, as recommended by Mastercard and Visa”[3] · help_center · captured 5 Sep 2026

What we could not find

These figures matter for the score, and the issuer's public pages do not state them. Where we looked is listed under Sources.

Crypto conversion / spread. In Debit Mode crypto is sold at Nexo's rate; spread not disclosed. Crypto repayments in Credit Mode cost 0.26%
Spend per month. Limits are visible in the app, not disclosed publicly. Nexo Private ($100,000+) has higher limits

Sources

7 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.

support.nexo.com/article/buying-crypto-with-your-card-essentials · help_center · 6 Sep 2026
nexo.com/crypto-card · landing · 5 Sep 2026
support.nexo.com/article/how-does-the-nexo-card-work-in-debit-mode · help_center · 5 Sep 2026
www.lb.lt/en/sfi-financial-market-participants/dipocket-uab · legal · 6 Sep 2026
support.nexo.com/article/how-can-i-order-the-nexo-card · help_center · 5 Sep 2026
support.nexo.com/article/how-does-the-nexo-card-work-in-credit-mode · help_center · 5 Sep 2026
nexo.com/loyalty · landing · 5 Sep 2026

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Access & funding

Regions: 30 countries
KYC: full
Top-up: Nexo balance, Credit Line against collateral
Fiat: EUR, GBP, USD
Assets: 60+ crypto assets, FIATx, stablecoins
Form: virtual + physical
Wallets: Apple Pay, Google Pay

Risks to know

Collateral can be liquidated. Spending draws a credit line against your assets; a price drop can force a sale.
Stake value can drop. Tiers are set in NEXO; the USD figures here are as of 6 Sep 2026.

Who is behind the card

Brand / programme: Nexo
Infrastructure: — not disclosed
Issuer of record: DiPocket UAB (LT)
Licence: Bank of Lithuania · 305599375
Network: Mastercard
Custody: Hybrid custody
Credit: APR — · collateral can be liquidated

2 sources

“The Nexo Card is issued by DiPocket UAB.”[2] · landing · captured 5 Sep 2026

“Electronic money institution licence”[4] · legal · captured 6 Sep 2026

Status

Now: Live

“The Nexo Card is a dual-mode crypto card that lets you seamlessly switch between Credit Mode, borrowing against your crypto, and Debit Mode, spending your crypto directly.”nexo.com · captured 5 Sep 2026

Where you can get it

EEA + UK: 30 countries: AT, BE, HR, CY, CZ, DK, EE, FI, FR, DE, GR, HU, IE, IT, LV, LT, LU, MT, NL, PL, PT, RO, SK, SI, ES, SE, IS, LI, NO, GB
blocked: BG, US, CA

2 sources

“The Nexo Card is currently available only to citizens and residents of selected European countries, including the European Economic Area (EEA) and the United Kingdom.”nexo.com · landing · captured 5 Sep 2026

“The Nexo Services are unavailable to citizens or residents of certain jurisdictions, including where restrictions may apply, such as Bulgaria, the USA, and Canada.”support.nexo.com · help_center · captured 5 Sep 2026

Availability and terms by country ↓

Trust

Verified: 5 Sep 2026
Coverage: 9 of 11 key figures verified, 2 not disclosed
Confidence: A official source plus an independent one
Disclosure: help center
Source: nexo.com
Link: direct — pays us nothing

Report a wrong figure · Formula v1.2

Availability and terms by country

One row per country with a Cardefi hub, read from the issuer's own country lists. 30 countries are listed as available in total.

Country	Status	Issuer / licence
United States	Blockedchecked 5 Sep 2026	DiPocket UAB
United Kingdom	Availablechecked 5 Sep 2026	DiPocket UAB
Germany	Availablechecked 5 Sep 2026	DiPocket UAB
Spain	Availablechecked 5 Sep 2026	DiPocket UAB
Ireland	Availablechecked 5 Sep 2026	DiPocket UAB
Netherlands	Availablechecked 5 Sep 2026	DiPocket UAB
Portugal	Availablechecked 5 Sep 2026	DiPocket UAB
Poland	Availablechecked 5 Sep 2026	DiPocket UAB
Greece	Availablechecked 5 Sep 2026	DiPocket UAB
Sweden	Availablechecked 5 Sep 2026	DiPocket UAB
Czechia	Availablechecked 5 Sep 2026	DiPocket UAB
Austria	Availablechecked 5 Sep 2026	DiPocket UAB
Canada	Blockedchecked 5 Sep 2026	DiPocket UAB
Belgium	Availablechecked 5 Sep 2026	DiPocket UAB
Cyprus	Availablechecked 5 Sep 2026	DiPocket UAB
Latvia	Availablechecked 5 Sep 2026	DiPocket UAB
Slovakia	Availablechecked 5 Sep 2026	DiPocket UAB
Croatia	Availablechecked 5 Sep 2026	DiPocket UAB
Bulgaria	Blockedchecked 5 Sep 2026	DiPocket UAB
Estonia	Availablechecked 5 Sep 2026	DiPocket UAB
Liechtenstein	Availablechecked 5 Sep 2026	DiPocket UAB
Norway	Availablechecked 5 Sep 2026	DiPocket UAB
Hungary	Availablechecked 5 Sep 2026	DiPocket UAB
Iceland	Availablechecked 5 Sep 2026	DiPocket UAB

Questions about this card

Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.

What does Nexo Card charge on foreign currency?: Nexo Card adds 2.0% on transactions in a currency other than the account currency.
Does Nexo Card charge an annual fee?: The annual fee for Nexo Card is $0.
How much cashback does Nexo Card pay?: Nexo Card pays up to 0.5%, which is the highest rate any of its tiers reaches.
Does Nexo Card require a stake?: The lowest tier of Nexo Card that requires a stake is Base, at $5,000, and it pays 0.5%.
Does Nexo Card work with Apple Pay or Google Pay?: Nexo Card works with Apple Pay and Google Pay.
What does Nexo Card charge at an ATM?: Nexo Card charges 2.0% on ATM withdrawals. The ATM operator may add its own fee on top.
Who holds the funds behind Nexo Card?: Nexo Card runs on a credit line, so purchases are settled by the issuer and repaid afterwards rather than drawn from a balance you hold.
Does Nexo Card require identity verification?: Yes. Nexo Card requires full identity verification before the card can be used.