Main strengths
- Use Debit Mode for balances or Credit Mode backed by crypto collateral.
- The base card terms do not add a recurring card membership fee.
- Virtual access works with Apple Pay and Google Pay support.
Nexo virtual front cardStandard card design
Crypto-backed Mastercard credit/debit card
Nexo Card
Nexo Card provides Debit Mode for spending account balances and Credit Mode for crypto-backed purchases with cashback through collateral-backed credit. Both modes use the same Mastercard and phone-wallet access, while settlement, repayment and collateral mechanics remain distinct.
BTC depositsCrypto-nativeFree base planMulti-assetPhysical cardStablecoin rails
Main trade-offs
- Funds and card spend remain tied to Nexo account controls.
- Credit Mode adds borrowing and liquidation mechanics to card use.
- Credit Mode cashback needs $5,000+; higher rates require a larger NEXO ratio.
01 · Core economics
Costs that matter
Nexo Card has a $0 recurring entry cost. Funding, conversion, FX and cash-access charges are shown separately below.
ItemStandard tierWhat it means
Annual plan$0Competitive entry price
Top-upNot disclosedThe provider does not publish a general top-up fee in its current funding instructions.
Provider FX markup0.2–2.5%Can erase 0.5% base cashback
ATM withdrawal2% after tier allowance; minimum 1.99 EUR/GBPA fee-free allowance helps occasional cash use; operator and FX fees may still apply.
Physical card$0-$5 or freeDepends on tier
Limits and secondary feesLimits and other fees
Daily card spendNot disclosedListed
Monthly card spendNot disclosedListed
ATM limitNot disclosedListed
Account depositNot disclosedListed
02 · Plans & rewards
Choose the plan and the rewards together
Cashback applies only in Credit Mode when the account holds more than $5,000. NEXO and BTC are alternative payout choices; compare each tier's NEXO ratio, rate, cap and physical-card eligibility below.
Credit Mode only; more than $5,000 in account assets
Credit Mode; more than $5,000 and 10% NEXO portfolio ratio
Alternative BTC rates are 0.1%–0.5%
Current monthly cashback-value cap range across tiers
Memberships
1-3 / 4
Entry tier
No NEXO ratiorequirementBase
Mastercard
- Cashback
- 0.5% in NEXO
- Cashback Cap
- $50 / month
- Full-rate spend
- $10,000 / month; then 0%
- Requirement
- No NEXO ratio; $5,000 portfolio required for cashback perks
- BTC option
- 0.1%
- Physical card
- Not eligible; physical card requires Gold tier and more than $5,000 in account assets
- Best fit
- Check the plan price, rewards and limits before upgrading.
Loyalty tier
1% NEXOrequirementSilver
Mastercard
- Cashback
- 0.7% in NEXO
- Cashback Cap
- $100 / month
- Full-rate spend
- $14,286 / month; then 0%
- Requirement
- At least 1% of portfolio value in NEXO Tokens; $5,000 portfolio for perks
- BTC option
- 0.2%
- Physical card
- Not eligible; physical card requires Gold tier and more than $5,000 in account assets
- Best fit
- Middle loyalty tier; compare the NEXO ratio requirement with the cashback uplift.
Loyalty tier
5% NEXOrequirementGold
Mastercard
- Cashback
- 1% in NEXO
- Cashback Cap
- $150 / month
- Full-rate spend
- $15,000 / month; then 0%
- Requirement
- At least 5% of portfolio value in NEXO Tokens; $5,000 portfolio for perks
- BTC option
- 0.3%
- Physical card
- Available with free shipping above $5,000 in account assets
- Best fit
- Middle loyalty tier; compare the NEXO ratio requirement with the cashback uplift.
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Mastercard networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsAvailable
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appAvailable
Account rails
- Crypto depositsVia provider account
- Bank depositsRegion-dependent
- Crypto withdrawalsVia provider account
- Fiat withdrawalsRegion-dependent
- Direct card top-upsNot supported
04 · Money in and out
How money enters, settles and leaves Nexo
The card uses the provider account balance. Account funding and withdrawal routes are included only when they feed that same card-linked account; they are not presented as direct card top-ups.
Money inWays to fund or receive3 routes
Crypto deposits
1 route
Crypto depositsCredits the linked Savings Wallet balance used by Debit Mode; Credit Mode treats eligible account assets as collateral or repayment funds.BTCETHSOLXRP10 assetsFeeNot confirmedSpeedNot confirmedLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- Fee not publicly confirmed
More assets, currencies or networks
ADA, AVAX, BNB, LTC, USDC, USDT, Bitcoin, Ethereum, Solana, XRPL
Access path
Via provider account
Asset / network map
BTC: Bitcoin · ETH: Ethereum · SOL: Solana · XRP: XRPL
Availability
Supported asset and network combinations
Fee scope
Receive fee not publicly confirmed
Limit scope
Deposit limits not publicly confirmed
Restrictions
Via Nexo Savings Wallet, not a direct card top-up. Availability is intersected with card eligibility and the selected asset/network route.
Bank deposits
1 route
Nexo account bank depositBank deposits fund the linked Nexo Savings Wallet in supported regions.USDEURGBPFeeNot confirmedSpeedNot confirmedLimitsNot confirmedAvailabilityRegion-dependentDetails
Fee components
- Fee not publicly confirmed
Access path
Via provider account
Availability
Bank deposits fund the linked Nexo Savings Wallet in supported regions. Availability is the intersection of the account rail and card eligibility; this is not a direct card top-up.
Fee scope
Not publicly confirmed; shown in the Nexo account for the selected currency and method
Limit scope
Not publicly confirmed
Internal funding
1 route
Nexo account internal transferVia the linked Nexo account, not a direct card payout.Nexo account assetsFeeNo fixed feeSpeedInstantLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- No provider transfer fee
Access path
Via provider account
Availability
Another eligible Nexo client by email address or phone number; account, asset and card availability must overlap
Limit scope
Not publicly confirmed
Restrictions
Via the linked Nexo account, not a direct card payout. Internal transfer remains separate from external blockchain withdrawal.
Balance & conversionAccount balance
Funds sit in a custodial account balance before card spend or payout.
What happens on receipt
Nexo Debit Mode directly spends balances in the linked Savings Wallet.
Money outWays to send, withdraw or settle3 routes
External crypto sends
1 route
Nexo account crypto withdrawalVia the linked Nexo account, not a direct card payout.BTCETHUSDTUSDCFeeNot confirmedSpeedNetwork-dependentLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- Fee not publicly confirmed
Access path
Via provider account
Availability
External blockchain address via the asset and network selected in the Nexo account; account, network and jurisdiction restrictions apply
Fee scope
Not publicly confirmed; shown in the Nexo account for the selected asset and network
Limit scope
Not publicly confirmed
Restrictions
Via the linked Nexo account, not a direct card payout. Availability is limited to the overlap between the account withdrawal route and card eligibility.
Internal transfers
1 route
Nexo account internal transferVia the linked Nexo account, not a direct card payout.Nexo account assetsFeeNo fixed feeSpeedInstantLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- No provider transfer fee
Access path
Via provider account
Availability
Another eligible Nexo client by email address or phone number; account, asset and card availability must overlap
Limit scope
Not publicly confirmed
Restrictions
Via the linked Nexo account, not a direct card payout. Internal transfer remains separate from external blockchain withdrawal.
Bank transfers & payouts
1 route
Nexo account bank withdrawalVia the linked Nexo account, not a card refund or direct card payout.EURGBPUSDFeeNot confirmedSpeedNot confirmedLimitsNot confirmedAvailabilitySEPADetails
Fee components
- Fee not publicly confirmed
Access path
Via provider account
Availability
EUR via SEPA/SWIFT, GBP via FPS/SWIFT and USD via Fedwire/SWIFT where the account route and card eligibility overlap
Fee scope
Not publicly confirmed; varies by method and loyalty-tier allowance
Limit scope
Minimum 10 currency units; maximum not publicly confirmed
Restrictions
Via the linked Nexo account, not a card refund or direct card payout. AUD/NPP is excluded from this card-overlap view because it is limited to Australian clients.
05 · Optional product
Add yield through a separate balance
Flexible Savings balance adds a variable yield option through a separate deposit. Move funds back to the spending balance when direct card spend is not supported.
Spendable yield
Flexible Savings balance
Up to 13% APY
- Yield source
- Nexo Flexible Savings
- Yield mechanism
- Exchange savings/lending
- Strategy manager
- Nexo
- Redemption
- No fixed lockup disclosed; confirm current withdrawal timing before depositing.
- Assets
- FIATx, stablecoins, crypto assets
- Card relationship
- Yield balance can fund card spend
- Withdraw anytime
- Yes
- Deposit insurance
- No
Risk noteVariable APY, custody, smart-contract, liquidity, protocol, counterparty and market risks may apply. Treat Earn/vault balances as separate yield exposure; access to funds depends on the provider's current withdrawal, card and collateral rules.
06 · Trust and eligibility
Where Nexo is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
Availability
Known restrictions are listed, but a complete allowed-country list is not available.
- Explicit restrictions
- 3 countriesThese reviewed jurisdiction records are hard exclusions; locations outside the list still require the normal signup and identity checks.
Explicit restriction list3 countries
BulgariaCanadaUnited States
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productNexo
Provides the product and account experience. Named legal operators appear separately.
Custody controlNexo + programme partners
Controls settlement until payment.
Custodial accountProgramme operatorNexo Services Sp. z o.o.
Provides the Nexo account and crypto services and settles card transactions with DiPocket.
Jurisdiction: Poland · Applies to: Nexo Card EEA/UK programme under the captured terms.Card issuerDiPocket UAB
Issues the card and provides the card services; it does not provide Nexo's crypto services.
Jurisdiction: Lithuania · Applies to: Nexo Card EEA/UK programme under the captured terms.07 · Methodology
Why the score is 65
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
65/100
ModerateHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift99
Everyday usability
Mastercard spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Additional support87
Company & infrastructure
Named programme infrastructure includes DiPocket UAB (issuer) and Mastercard (network).
Main constraint31
Rewards value
Credit Mode cashback ranges from 0.5%–2% in NEXO or 0.1%–0.5% in BTC; more than $5,000 in account assets is required, and higher rates also require a larger NEXO portfolio ratio.
08 · Evidence
Sources
14 sources13 officialChecked Aug 5, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Crypto Debit & Credit Card | Earn up to 2% Cashback | NexoOfficial source ↗What are the limits and fees of the Nexo Card - NexoOfficial source ↗How does the Nexo Card work in Debit Mode • NexoOfficial source ↗How does the Nexo Card work in Credit Mode • NexoOfficial source ↗What crypto rewards will I get with my Nexo Card - NexoOfficial source ↗Who can order the Nexo Card • NexoOfficial source ↗
09 · Card comparison
How Nexo Card compares to others
A side-by-side look at cards built around stablecoin funding, everyday Mastercard access and money movement.
1 / 3
Current card
Nexo Card
Use Debit Mode for balances or Credit Mode backed by crypto collateral.
- Card
- Credit line Mastercard, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 0.5%–2%
- FX fee
- 0.2%–2.5%
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDT + USDC
- Transfers & payouts
- Crypto, Bank + Internal transfers
Similar match
Spend from a loaded Crypto.com prepaid balance, not a credit line.
- Card
- Prepaid Visa + Mastercard, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 0%–5%
- FX fee
- 0%–3% tier-dependent
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- Not confirmed
- Transfers & payouts
- Internal transfers
- Card
- Debit Mastercard + Visa, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 2%–10%
- FX fee
- 2% most Global regions · 1% Australia · 1.5% Brazil · 7% Argentina
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDT + USDC
- Transfers & payouts
- Crypto + Bank transfers
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
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