Nexo Card
by Nexo
Dual-mode card from the crypto lending platform Nexo: switch per payment between Credit Mode (borrow against your crypto) and Debit Mode (spend your holdings). Terms differ by region and loyalty tier.
Key stats
- Base cashback
- No data yet
- Max cashback
2%*Show source
Max cashback: 2%
Up to; Credit Mode only, depends on loyalty tier
Source states (paraphrased): Up to 2% cashback in NEXO Tokens or Bitcoin on Credit Mode spending.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Base fee
FreeShow source
Annual fee: Free
Source states (paraphrased): No monthly, annual or inactivity fees.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- FX fee
2%*Show source
FX fee: 2%
Weekdays, non-EEA/UK/CH currencies; 0.2% for EEA/UK/CH currencies; higher on weekends
Source states (paraphrased): FX fees on weekdays: 0.2% EEA/UK/CH, 2% rest of world; higher weekend rates.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- ATM fee
2% (min. €1.99)*Show source
ATM fee: 2% (min. €1.99)
After the free monthly allowance
Source states (paraphrased): 2% fee (min €1.99) per withdrawal above the free limit.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Card fee
- No data yet
- Credit line
Yes*Show source
Credit line: Yes
Credit Mode
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Staking for top rewards
- No data yet
Tap a value for its source, retrieval date and confidence. * = conditions apply.
Pros
- No annual or monthly fee on the base tier
- Free ATM withdrawals up to €2,000/month
- Spend by borrowing against crypto instead of selling
Cons
- FX fee up to 2%
- Top rate of 2% only with conditions — Up to; Credit Mode only, depends on loyalty tier
- Cashback paid in a volatile token (NEXO or BTC)
Who is it for?
- Users who need credit rather than a debit/prepaid card
Who should avoid it?
- Frequent travellers paying in foreign currencies
Fees
- Annual fee
FreeShow source
Annual fee: Free
Source states (paraphrased): No monthly, annual or inactivity fees.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Monthly fee
FreeShow source
Monthly fee: Free
Source states (paraphrased): No monthly, annual or inactivity fees.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- FX fee
2%*Show source
FX fee: 2%
Weekdays, non-EEA/UK/CH currencies; 0.2% for EEA/UK/CH currencies; higher on weekends
Source states (paraphrased): FX fees on weekdays: 0.2% EEA/UK/CH, 2% rest of world; higher weekend rates.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Weekdays, non-EEA/UK/CH currencies; 0.2% for EEA/UK/CH currencies; higher on weekends
- ATM fee
2% (min. €1.99)*Show source
ATM fee: 2% (min. €1.99)
After the free monthly allowance
Source states (paraphrased): 2% fee (min €1.99) per withdrawal above the free limit.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
After the free monthly allowance
- Free ATM allowance
€2,000/month*Show source
Free ATM allowance: €2,000/month
Up to; top loyalty tier, lower tiers get less
Source states (paraphrased): Top tier: free ATM withdrawals up to €2,000 / £1,800 per month.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to; top loyalty tier, lower tiers get less
- Other fees & markups
Weekend FX surcharge on top of weekday FX ratesShow source
Other fees & markups: Weekend FX surcharge on top of weekday FX rates
Source states (paraphrased): Higher FX rates apply on weekends.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Not yet researched: Physical card fee, Virtual card fee, Replacement fee, Crypto conversion fee, Top-up fee, Crypto withdrawal fee, Transfer fee, Settlement fee, Small transaction fee.
Cashback & rewards
- Max cashback
2%*Show source
Max cashback: 2%
Up to; Credit Mode only, depends on loyalty tier
Source states (paraphrased): Up to 2% cashback in NEXO Tokens or Bitcoin on Credit Mode spending.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to; Credit Mode only, depends on loyalty tier
- Cashback paid in
NEXO or BTCShow source
Cashback paid in: NEXO or BTC
Source states (paraphrased): Cashback paid in NEXO Tokens or Bitcoin.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Cashback type
Platform tokenShow source
Cashback type: Platform token
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Minimum balance
$5,000*Show source
Minimum balance: $5,000
Digital-asset balance required to earn cashback
Source states (paraphrased): Cashback requires a balance above $5,000 in digital assets.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Digital-asset balance required to earn cashback
Not yet researched: Base cashback, Cashback-eligible spend cap, Max cashback per month, Cashback conditions, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Reward expiry / vesting, Reward exclusions.
Credit & financing
- Credit line
Yes*Show source
Credit line: Yes
Credit Mode
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit Mode
- Credit type
Crypto-backed creditShow source
Credit type: Crypto-backed credit
Source states (paraphrased): Credit Mode borrows against your crypto.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Spend own balance directly
Yes*Show source
Spend own balance directly: Yes
Debit Mode
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Debit Mode
- Spend by borrowing against collateral
Yes*Show source
Spend by borrowing against collateral: Yes
Credit Mode
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit Mode
Not yet researched: Collateral assets, Max loan-to-value, Interest (APR), Interest notes, Grace period, Repayment, Liquidation risk.
Supported countries & currencies
- Available in
EEA, United Kingdom, Argentina*Show source
Available in: EEA, United Kingdom, Argentina
Inferred from Nexo's regional card pages (EEA incl. UK pricing, Argentina)
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Inferred from Nexo's regional card pages (EEA incl. UK pricing, Argentina)
Not yet researched: Not available in, Account / spend currencies, Own IBAN / bank details.
Features, wallets & supported assets
No features data published or researched yet.
Security & custody
No security & custody data published or researched yet.
Limits
No limits data published or researched yet.
Product
- Product status
ActiveShow source
Product status: Active
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Card type
Crypto-backed credit, Debit card*Show source
Card type: Crypto-backed credit, Debit card
Switch mode per payment
Source states (paraphrased): Dual-mode card: Credit Mode (borrow against crypto) and Debit Mode (spend crypto directly).
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Switch mode per payment
Not yet researched: Network, Custody model, Launch date, Card issuer / program manager, Tiers / plans.
Risks to understand
- Borrowing against crypto: falling collateral prices can trigger liquidation, and interest rates can change.
- Token rewards can lose value between earning and selling.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year | 20% | 100 |
Cashback & rewards Only an 'up to' rate is published | 20% | 8 |
Availability 32 of 60 tracked countries | 15% | 100 |
FX & international FX fee 2% | 10% | 20 |
Product features | 10% | No data — excluded |
Custody & security | 10% | No data — excluded |
Credit & financing Credit line available · Can switch between own funds and borrowing (+15) | 5% | 85 |
Limits & ATM ATM cost on €200 ≈ 2.0% · Free ATM allowance ≈ €2000/month | 5% | 80 |
Transparency 5 of 5 checked key terms disclosed · 2 contradiction(s) between official sources | 5% | 86 |
Data coverage 80%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Scores are computed by a deterministic algorithm. Affiliate relationships and sponsored placements have no influence. How we score
FAQ
- Does Nexo Card have an annual or monthly fee?
- Base tier: Free. Source: Crypto Debit & Credit Card (EEA).
- What is the FX fee of Nexo Card?
- 2% (Weekdays, non-EEA/UK/CH currencies; 0.2% for EEA/UK/CH currencies; higher on weekends). Source: Crypto Debit & Credit Card (EEA).
- How much cashback does Nexo Card pay?
- Highest advertised rate: 2% (Up to; Credit Mode only, depends on loyalty tier). Paid in NEXO or BTC.
- Is Nexo Card a credit card?
- Yes — Crypto-backed credit (Credit Mode).
- Where is Nexo Card available?
- EEA, United Kingdom, Argentina (Inferred from Nexo's regional card pages (EEA incl. UK pricing, Argentina)).
Change history
- Product status recorded · 22 October 2026 · auto-approved
- Card type recorded · 22 October 2026 · auto-approved
- Annual fee recorded · 22 October 2026 · auto-approved
- Monthly fee recorded · 22 October 2026 · auto-approved
- FX fee recorded · 22 October 2026 · auto-approved
- Other fees & markups recorded · 22 October 2026 · auto-approved
- ATM fee recorded · 22 October 2026 · auto-approved
- Free ATM allowance recorded · 22 October 2026 · auto-approved
- Max cashback recorded · 22 October 2026 · auto-approved
- Cashback paid in recorded · 22 October 2026 · auto-approved
- Cashback type recorded · 22 October 2026 · auto-approved
- Minimum balance recorded · 22 October 2026 · auto-approved
- Credit line recorded · 22 October 2026 · auto-approved
- Credit type recorded · 22 October 2026 · auto-approved
- Spend own balance directly recorded · 22 October 2026 · auto-approved
- Spend by borrowing against collateral recorded · 22 October 2026 · auto-approved
- Available in recorded · 22 October 2026 · auto-approved