Why it stands out
- 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
A dual-mode Mastercard for Nexo users: Debit Mode spends account balances, while Credit Mode borrows against crypto collateral for cashback. Useful if you already use Nexo; less simple if you do not want collateral or custodial-account risk.
BTC depositsCrypto-nativeFree base planMulti-assetPhysical cardStablecoin rails
Selected European countries, including EEA and United Kingdom; exact country and document eligibility should be checked during signup. Effective availability is the intersection of card eligibility and the selected Nexo account route; missing positive country coverage remains soft context.
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 is inexpensive to open, but it is not a fee-free travel card. These numbers drive most of the real-world cost.
ItemStandard tierWhat it means
Annual plan$0Competitive entry price
Top-upNot disclosedThe provider does not publish a general top-up fee in the reviewed funding instructions.
Foreign exchange0.2–2.5%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 spend€10,000 / £9,000/day; €10,000 / £9,000/transactionListed
Monthly card spend€60,000 / £54,000/monthListed
ATM limit€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthListed
Account depositUnknownListed
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%
Highest approved tier cap
Memberships
Entry tier
No NEXO ratiorequirementBase
Mastercard
- Cashback
- 0.5% in NEXO on first $50/mo
- 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 on first $100/mo
- 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 on first $150/mo
- 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
The essentials are covered
Card access, mobile wallets and account rails are separated so missing channels are easy to spot.
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 receive · 2 routesCrypto depositsBTCETHSOLXRP10 assetsBank depositsLocal bankUSDEURGBP
Crypto deposits
1 route
Crypto deposits
Credits the linked Savings Wallet balance used by Debit Mode; Credit Mode treats eligible account assets as collateral or repayment funds.
BTCETHSOLXRP10 assets
- Fee
- Not confirmed
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- Confirmed scope
Route details
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 deposit
Bank deposits fund the linked Nexo Savings Wallet in supported regions.
USDEURGBP
- Fee
- Not confirmed
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- Region-dependent
Route details
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
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 settle · 3 routesExternal crypto sendsBTCETHUSDTUSDCInternal transfersNexo account internal transferNo fixed feeInstantBank transfers & payoutsFedwireSEPASWIFTLocal bankEURGBPUSD
External crypto sends
1 route
Nexo account crypto withdrawal
Via the linked Nexo account, not a direct card payout.
BTCETHUSDTUSDC
- Fee
- Not confirmed
- Speed
- Network-dependent
- Limits
- Not confirmed
- Availability
- Confirmed scope
Route details
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 transfer
Via the linked Nexo account, not a direct card payout.
Nexo account assets
- Fee
- No fixed fee
- Speed
- Instant
- Limits
- Not confirmed
- Availability
- Confirmed scope
Route details
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 withdrawal
Via the linked Nexo account, not a card refund or direct card payout.
EURGBPUSD
- Fee
- Not confirmed
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- SEPA
Route details
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
Earn is separate from the card
This yield product requires a separate deposit. APY is variable, and neither return nor principal is guaranteed.
Spendable yield
Flexible Savings balance
Up to 13% APY
- Yield source
- Nexo Flexible Savings
- Yield mechanism
- Exchange savings/lending
- Strategy manager
- Nexo
- Risk exposure
- custody, market, regulatory
- 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 runs each part
Eligibility, identity checks and provider responsibilities are kept separate.
Identity & KYC
Identity verification is required to access card services.
Availability
The profile lists known restrictions rather than a complete allowed-country list.
Known restrictions3 countries
BulgariaCanadaUnited States
Who handles what
Only concrete responsibilities and identified organisations are shown.
RoleHandled byResponsibility and scope
Card productNexo
Public-facing product and account experience; legal operators are listed separately when confirmed.
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 63
The score weighs practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the company and provider stack. Undisclosed data does not boost the score.
63/100
ConditionalHigher 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 support89
Company & infrastructure
Named programme infrastructure includes DiPocket UAB (issuer) and Mastercard (network).
Main constraint33
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
16 sources13 officialChecked Jul 15, 2026
We review every published fact and value on this page against source evidence. Official product, fee, membership and legal sources are used for the terms that affect cost, 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 ↗
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