ether.fi Cash vs Nexo Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Card type

Crypto-backed credit*

Card type: Crypto-backed credit

Marketed as a credit card; Direct Pay mode spends your own balance

Source states (paraphrased): Help center: Borrow Mode borrows against your assets, Direct Pay Mode spends them.

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Marketed as a credit card; Direct Pay mode spends your own balance

Debit card, Crypto-backed credit*

Card type: Debit card, Crypto-backed credit

Dual mode: Debit Mode and crypto-backed Credit Mode

Source states (paraphrased): Switch between Credit and Debit Mode with one tap.

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Dual mode: Debit Mode and crypto-backed Credit Mode

Network

Visa

Network: Visa

Source states (paraphrased): The card program is issued by the Issuer under license from Visa.

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Mastercard*

Network: Mastercard

Network inferred from the Mastercard trademark notice next to the card issuer disclosure

Source states (paraphrased): Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The Nexo Card is issued by DiPocket UAB.

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Network inferred from the Mastercard trademark notice next to the card issuer disclosure

Custody model

Self-custody*

Custody model: Self-custody

Account is non-custodial; the card itself is issued by a third-party issuer under separate terms

Source states (paraphrased): Personal account page: fully non-custodial, you retain full ownership and control of your funds; card issued subject to separate issuer terms.

Source: Personal Account

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%

Account is non-custodial; the card itself is issued by a third-party issuer under separate terms

Custodial

Custody model: Custodial

Source states (paraphrased): EEA custody, trading, and futures are provided respectively by Tangany and DLT Finance under MiCA and MiFID II.

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Card issuer / program manager

Third National (issuer under Visa license); program by Ether.Fi Cash Ltd.*

Card issuer / program manager: Third National (issuer under Visa license); program by Ether.Fi Cash Ltd.

International cardholder agreement (Ltd.); US persons are covered by separate US agreements

Source states (paraphrased): The Ether.Fi Card is issued by Third National pursuant to a license from Visa.

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

International cardholder agreement (Ltd.); US persons are covered by separate US agreements

DiPocket UAB

Card issuer / program manager: DiPocket UAB

Source states (paraphrased): The Nexo Card is issued by DiPocket UAB, an Electronic Money Institution

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Tiers / plans

Core · Luxe · Pinnacle · VIP

Tiers / plans: Core · Luxe · Pinnacle · VIP

Source states (paraphrased): Membership level benefits table lists Core, Luxe, Pinnacle and VIP.

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

No data yet

Fees

Annual fee

Free*

Annual fee: Free

Core membership; Luxe ($199/yr) and Pinnacle ($999/yr) can optionally be bought or earned via Liquid deposits / ETHFI staking

Source states (paraphrased): Core — Free for everyone

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Core membership; Luxe ($199/yr) and Pinnacle ($999/yr) can optionally be bought or earned via Liquid deposits / ETHFI staking

Free

Annual fee: Free

Source states (paraphrased): No monthly, annual or inactivity fees.

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Monthly fee

Free*

Monthly fee: Free

Core membership

Source states (paraphrased): Core — Free for everyone

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Core membership

Free

Monthly fee: Free

Source states (paraphrased): No monthly, annual or inactivity fees.

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Physical card fee

$60*

Physical card fee: $60

Core, including shipping; Luxe and higher get 1 free

Source states (paraphrased): Physical card: $60, including shipping

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Core, including shipping; Luxe and higher get 1 free

Free*

Physical card fee: Free

Requires at least Gold Loyalty Tier and a portfolio balance above $5,000

Source states (paraphrased): The physical Nexo Card is also free, including shipping.

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Requires at least Gold Loyalty Tier and a portfolio balance above $5,000

Virtual card fee

Free*

Virtual card fee: Free

First virtual card free on Core; $10 in some regions and for further cards

Source states (paraphrased): Virtual cards: 1 free

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

First virtual card free on Core; $10 in some regions and for further cards

Free*

Virtual card fee: Free

Activation needs a balance of at least $50 (not a fee)

Source states (paraphrased): The virtual Nexo Card costs nothing to get or activate.

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Activation needs a balance of at least $50 (not a fee)

FX fee

1.5%*

FX fee: 1.5%

Up to; Core tier: ~1% base rate + up to 0.5% membership margin (Luxe up to 0.25%, none for Pinnacle/VIP). EUR purchases 0% (beta)

Source states (paraphrased): Cardholder agreement: 1% base plus up to 50 bps for Core and up to 25 bps for Luxe.

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%

Up to; Core tier: ~1% base rate + up to 0.5% membership margin (Luxe up to 0.25%, none for Pinnacle/VIP). EUR purchases 0% (beta)

2%*

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.

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Weekdays, non-EEA/UK/CH currencies; 0.2% for EEA/UK/CH currencies; higher on weekends

ATM fee

ATM fee: 2%

Source states (paraphrased): Campaign page lists a 2% ATM fee for all tiers.

Source: The DeFi-Native Crypto Credit Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%

2% (min. €1.99)*

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.

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

After the free monthly allowance

Free ATM allowance

No data yet

€200/month*

Free ATM allowance: €200/month

Per month, Base Loyalty Tier; Silver €400, Gold €1,000, Platinum €2,000

Source states (paraphrased): Base: Up to €200 / £180

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Per month, Base Loyalty Tier; Silver €400, Gold €1,000, Platinum €2,000

Other fees & markups

No data yet

Weekend FX surcharge: 0.7% for EEA/UK/CH currencies and 2.5% for other currencies (vs 0.2% / 2% on weekdays)

Other fees & markups: Weekend FX surcharge: 0.7% for EEA/UK/CH currencies and 2.5% for other currencies (vs 0.2% / 2% on weekdays)

Source states (paraphrased): FX Fees on Weekends

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Cashback & rewards

Base cashback

3%*

Base cashback: 3%

Core membership, on the first $2,000 of card spend per month

Source states (paraphrased): Core: 3% on the first $2,000 of monthly card spend.

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Core membership, on the first $2,000 of card spend per month

0.5%*

Base cashback: 0.5%

Base Loyalty Tier, Credit Mode only, account balance above $5,000 in digital assets; paid in NEXO Tokens (0.1% if paid in BTC)

Source states (paraphrased): Base: 0.5% in NEXO Tokens or 0.1% in BTC

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

Base Loyalty Tier, Credit Mode only, account balance above $5,000 in digital assets; paid in NEXO Tokens (0.1% if paid in BTC)

Max cashback

4%*

Max cashback: 4%

VIP membership, on the first $50,000 of card spend per month

Source states (paraphrased): VIP: 4% on the first $50,000 of monthly card spend.

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%

VIP membership, on the first $50,000 of card spend per month

2%*

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.

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Up to; Credit Mode only, depends on loyalty tier

Cashback paid in

ETHFI

Cashback paid in: ETHFI

Source states (paraphrased): Cashback is converted to ETHFI at the current price.

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

NEXO Token or Bitcoin

Cashback paid in: NEXO Token or Bitcoin

Source states (paraphrased): The cashback is paid out in NEXO Tokens or Bitcoin, with the option to change your cashback currency at any time.

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Cashback type

Platform token

Cashback type: Platform token

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Platform token

Cashback type: Platform token

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Interest on balance

5.35%*

Interest on balance: 5.35%

USD Earn vault (ether.fi Liquid), variable APY, not guaranteed; EUR vault 5.29% APY; DeFi vault risk

Source states (paraphrased): USD Earn 5.35% APY · EUR Earn 5.29% APY · APY is variable and not guaranteed.

Source: https://www.ether.fi/earn

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

USD Earn vault (ether.fi Liquid), variable APY, not guaranteed; EUR vault 5.29% APY; DeFi vault risk

No data yet

Cashback-eligible spend cap

$2,000/month*

Cashback-eligible spend cap: $2,000/month

Core; Luxe $10,000, Pinnacle/VIP $50,000 per month

Source states (paraphrased): Monthly spend caps per tier: $2,000 / $10,000 / $50,000 / $50,000.

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Core; Luxe $10,000, Pinnacle/VIP $50,000 per month

No data yet

Cashback conditions

Rates step down progressively with total monthly spend · EUR transactions use lower thresholds and rates · Spend tiers reset at the start of every month

Cashback conditions: Rates step down progressively with total monthly spend · EUR transactions use lower thresholds and rates · Spend tiers reset at the start of every month

Source states (paraphrased): Cashback rates are applied progressively based on your total spend each calendar month.

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

Only in Credit Mode · Account balance above $5,000 in digital assets · Rate depends on Loyalty Tier (ratio of NEXO Tokens held vs. rest of portfolio)

Cashback conditions: Only in Credit Mode · Account balance above $5,000 in digital assets · Rate depends on Loyalty Tier (ratio of NEXO Tokens held vs. rest of portfolio)

Source states (paraphrased): when using your Nexo Card in Credit Mode if your account balance is above $5,000 worth of digital assets

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Staking / holding required for top rewards

No data yet

Yes*

Staking / holding required for top rewards: Yes

Higher cashback tiers depend on the share of NEXO Tokens held

Source states (paraphrased): the ratio of NEXO Tokens held against the rest of your portfolio will place you in one of four Loyalty Tiers

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Higher cashback tiers depend on the share of NEXO Tokens held

Staking asset

No data yet

NEXO Token

Staking asset: NEXO Token

Source states (paraphrased): the ratio of NEXO Tokens held against the rest of your portfolio will place you in one of four Loyalty Tiers

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Minimum balance

No data yet

$5,000*

Minimum balance: $5,000

Digital-asset balance required to earn cashback

Source states (paraphrased): Cashback requires a balance above $5,000 in digital assets.

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Digital-asset balance required to earn cashback

Reward expiry / vesting

Converted to ETHFI at settlement, locked for 7 days, then must be claimed

Reward expiry / vesting: Converted to ETHFI at settlement, locked for 7 days, then must be claimed

Source states (paraphrased): Cashback enters a 7-day lock period and must be claimed to reach your balance.

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

No data yet

Reward exclusions

ATM withdrawals and cash advances · P2P payments and transfers · Currency exchange services · Tax and government payments · Gift cards, stored-value cards, money orders and cash equivalents · MCC 6011, 6012, 6211, 6513 (rent), 6532, 7995 (gambling)

Reward exclusions: ATM withdrawals and cash advances · P2P payments and transfers · Currency exchange services · Tax and government payments · Gift cards, stored-value cards, money orders and cash equivalents · MCC 6011, 6012, 6211, 6513 (rent), 6532, 7995 (gambling)

Source states (paraphrased): The following transactions are not Qualifying Transactions and do not earn crypto cashback

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

No data yet

Credit & financing

Credit line

Yes*

Credit line: Yes

Borrow Mode

Source states (paraphrased): Borrow Mode purchases borrow against your assets instead of selling them.

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Borrow Mode

Yes*

Credit line: Yes

Credit Mode

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Credit Mode

Credit type

Crypto-backed credit

Credit type: Crypto-backed credit

Source states (paraphrased): Spending in Borrow Mode is capped at the available LTV of deposited collateral.

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Crypto-backed credit

Credit type: Crypto-backed credit

Source states (paraphrased): Credit Mode borrows against your crypto.

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Collateral assets

USDC · USDT · EURC · frxUSD · weETH · WETH · eBTC · ETHFI · sETHFI · OP · WHYPE · beHYPE · liquidETH · liquidBTC · liquidUSD · liquidReserve · liquidEUR · liquidRWA · QQQx · SPYx · PAXG · TBLLx*

Collateral assets: USDC · USDT · EURC · frxUSD · weETH · WETH · eBTC · ETHFI · sETHFI · OP · WHYPE · beHYPE · liquidETH · liquidBTC · liquidUSD · liquidReserve · liquidEUR · liquidRWA · QQQx · SPYx · PAXG · TBLLx

Aave LendGateway Product LTV list for the Optimism lending market (parameters updated August 27, 2026); eUSD no longer counts as collateral

Source states (paraphrased): Supported assets and their Product LTV

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

Aave LendGateway Product LTV list for the Optimism lending market (parameters updated August 27, 2026); eUSD no longer counts as collateral

No data yet

Max loan-to-value

81%*

Max loan-to-value: 81%

Aave LendGateway Product LTV for USDC, USDT, EURC, frxUSD; volatile assets lower (weETH/WETH 55%, ETHFI/OP 20%); legacy Cash DebtManager LTV was 90% for stablecoins

Source states (paraphrased): USDC | 81%

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

Aave LendGateway Product LTV for USDC, USDT, EURC, frxUSD; volatile assets lower (weETH/WETH 55%, ETHFI/OP 20%); legacy Cash DebtManager LTV was 90% for stablecoins

No data yet

Interest notes

Variable APY set by the underlying Aave v4 lending market per asset; accrues immediately and compounds continuously

Interest notes: Variable APY set by the underlying Aave v4 lending market per asset; accrues immediately and compounds continuously

Source states (paraphrased): variable APY, set by the underlying lending market for each asset (borrowing runs through Aave v4 markets) - not a fixed rate

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Crypto-backed Credit Line interest starting from 1.9% per year; rates vary by region and loyalty tier

Interest notes: Crypto-backed Credit Line interest starting from 1.9% per year; rates vary by region and loyalty tier

Source states (paraphrased): Grow your buying power with crypto-backed Credit Lines starting from 1.9% interest.

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Grace period

None; interest accrues immediately after borrowing

Grace period: None; interest accrues immediately after borrowing

Source states (paraphrased): There is no grace period

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

No data yet

Repayment

Repay all or part of the outstanding balance at any time, without penalty, by means permitted in the Ether.Fi Account

Repayment: Repay all or part of the outstanding balance at any time, without penalty, by means permitted in the Ether.Fi Account

Source states (paraphrased): you may pay all or any part of your outstanding Account balance, without penalty

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%

Flexible repayment, no fixed schedule, no credit checks

Repayment: Flexible repayment, no fixed schedule, no credit checks

Source states (paraphrased): Enjoy flexible repayment with no fixed schedule or credit checks.

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Liquidation risk

Yes

Liquidation risk: Yes

Source states (paraphrased): Help center lists per-asset liquidation thresholds.

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

No data yet

Spend own balance directly

Yes

Spend own balance directly: Yes

Source states (paraphrased): Direct Pay Mode spends your balance.

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Yes*

Spend own balance directly: Yes

Debit Mode

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Debit Mode

Spend by borrowing against collateral

Yes

Spend by borrowing against collateral: Yes

Source states (paraphrased): Borrow Mode borrows against your collateral.

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Yes*

Spend by borrowing against collateral: Yes

Credit Mode

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Credit Mode

Availability

Available in

AD, AO, AG, Argentina, Australia, Austria, BS, BH, BD, BB, BZ, BO, Brazil, VG, Bulgaria, Canada, KY, Chile, Colombia, CR, Croatia, Cyprus, Czechia, Denmark, DM, DO, EC, SV, France, Germany, GI, Greece, GG, GT, GY, HN, Hong Kong, Hungary, Iceland, Indonesia, IM, Italy, Japan, JE, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, MV, Malta, Mexico, MC, New Zealand, Nigeria, Norway, OM, PW, PA, PY, Peru, Philippines, Poland, Portugal, PR, Romania, Saudi Arabia, SC, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, KN, LC, VC, SR, Sweden, Switzerland, TW, Thailand, TT, TC, United Arab Emirates, United Kingdom, UY, VU, Belgium, Ireland, United States*

Available in: AD, AO, AG, Argentina, Australia, Austria, BS, BH, BD, BB, BZ, BO, Brazil, VG, Bulgaria, Canada, KY, Chile, Colombia, CR, Croatia, Cyprus, Czechia, Denmark, DM, DO, EC, SV, France, Germany, GI, Greece, GG, GT, GY, HN, Hong Kong, Hungary, Iceland, Indonesia, IM, Italy, Japan, JE, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, MV, Malta, Mexico, MC, New Zealand, Nigeria, Norway, OM, PW, PA, PY, Peru, Philippines, Poland, Portugal, PR, Romania, Saudi Arabia, SC, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, KN, LC, VC, SR, Sweden, Switzerland, TW, Thailand, TT, TC, United Arab Emirates, United Kingdom, UY, VU, Belgium, Ireland, United States

Subject to KYC; Belgium and Ireland eligible but no physical card delivery; US only in listed states (AL, AK, AR, CA, CO, CT, DC, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY); unlisted jurisdictions cannot apply for virtual or physical card

Source states (paraphrased): ether.fi Cash is available to eligible Personal and Corporate members in the supported jurisdictions listed below

Source: In which countries is the Cash card available?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

EEA, United Kingdom*

Available in: EEA, United Kingdom

Page says 'selected European countries'; ID document from the EEA, UK or another eligible European country required

Source states (paraphrased): available only to citizens and residents of selected European countries, including the European Economic Area (EEA) and the United Kingdom

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Page says 'selected European countries'; ID document from the EEA, UK or another eligible European country required

Features

Apple Pay

Yes*

Apple Pay: Yes

Only where Apple Pay is supported

Source states (paraphrased): Help article explains adding the card to Apple Wallet and Google Pay.

Source: How do I add my card to Apple Wallet or Google Pay?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Only where Apple Pay is supported

Yes

Apple Pay: Yes

Source states (paraphrased): Apple Pay and Google Pay supported

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Google Pay

Yes

Google Pay: Yes

Source states (paraphrased): Help article explains adding the card to Google Pay.

Source: How do I add my card to Apple Wallet or Google Pay?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Yes

Google Pay: Yes

Source states (paraphrased): Apple Pay and Google Pay supported

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Physical card

Yes*

Physical card: Yes

Not shipped to every eligible region

Source states (paraphrased): Available as both a virtual and physical card.

Source: What is ether.fi Cash?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Not shipped to every eligible region

Yes*

Physical card: Yes

Requires Gold Loyalty Tier and above $5,000 portfolio

Source states (paraphrased): The physical Nexo Card is also free, including shipping.

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Requires Gold Loyalty Tier and above $5,000 portfolio

Virtual card

Yes

Virtual card: Yes

Source states (paraphrased): Available as both a virtual and physical card.

Source: What is ether.fi Cash?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Yes

Virtual card: Yes

Source states (paraphrased): Activate your virtual card with just a tap and start making purchases.

Source: What are the transaction limits and fees for personal Cash credit cards?

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

ATM withdrawals

Yes*

ATM withdrawals: Yes

Not permitted in North Korea, Iran and Myanmar

Source states (paraphrased): You can withdraw cash from ATMs using your ether.fi Cash card

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Not permitted in North Korea, Iran and Myanmar

Yes

ATM withdrawals: Yes

Source states (paraphrased): Enjoy up to €2,000 / £1,800 in free ATM withdrawals per month.

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Spend stablecoins

Yes

Spend stablecoins: Yes

Source states (paraphrased): This works whether your spending token is USDC or EURC

Source: EUR purchases 0% FX Rate

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Yes*

Spend stablecoins: Yes

Debit Mode

Source states (paraphrased): Spend stablecoins, crypto, and FiatX assets like EURx, USDx, and GBPx.

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Debit Mode

Airport lounge access

Yes*

Airport lounge access: Yes

Core: 2 free passes to premium lounges; unlimited from Pinnacle

Source states (paraphrased): Airport lounge access: 2 Free passes to premium lounges

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Core: 2 free passes to premium lounges; unlimited from Pinnacle

No data yet

Travel / rental car insurance

Yes*

Travel / rental car insurance: Yes

Auto rental coverage, shared across all memberships

Source states (paraphrased): Travel benefits shared across all memberships: Auto rental coverage

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Auto rental coverage, shared across all memberships

No data yet

Purchase protection

Yes*

Purchase protection: Yes

Purchase and price protection, all memberships

Source states (paraphrased): Purchase and price protection

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Purchase and price protection, all memberships

No data yet

Spendable assets

USDC · LiquidUSD*

Spendable assets: USDC · LiquidUSD

Direct Pay Mode spend assets; Borrow Mode can use all vault assets as collateral

Source states (paraphrased): from your USDC or LiquidUSD balance

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

Direct Pay Mode spend assets; Borrow Mode can use all vault assets as collateral

Stablecoins · Crypto · EURx · USDx · GBPx*

Spendable assets: Stablecoins · Crypto · EURx · USDx · GBPx

Debit Mode; specific coins not listed

Source states (paraphrased): Spend stablecoins, crypto, and FiatX assets like EURx, USDx, and GBPx.

Source: What are the transaction limits and fees for personal Cash credit cards?

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Debit Mode; specific coins not listed

Blockchains

Ethereum · Polygon · Optimism · Arbitrum · Scroll*

Blockchains: Ethereum · Polygon · Optimism · Arbitrum · Scroll

Definition of Supported Blockchains in the card terms (page spells Arbitrum as 'Arbitrium'); other networks may be added

Source states (paraphrased): "Supported Blockchains" means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain, Scroll Blockchain

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%

Definition of Supported Blockchains in the card terms (page spells Arbitrum as 'Arbitrium'); other networks may be added

No data yet

Limits

ATM limit

$25,000*

ATM limit: $25,000

Per rolling 24 hours, same for all tiers; max $5,000 per transaction and 5 withdrawals per 24 hours

Source states (paraphrased): | Core | $5,000 | 5 | $25,000

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Per rolling 24 hours, same for all tiers; max $5,000 per transaction and 5 withdrawals per 24 hours

No data yet

Security & custody

Regulation / licences

Ether.Fi states it is not licensed to provide financial services as part of the Card Services*

Regulation / licences: Ether.Fi states it is not licensed to provide financial services as part of the Card Services

Nigeria: card marketed by BANEX Microfinance Bank, licensed by the Central Bank of Nigeria; terms governed by Puerto Rico law

Source states (paraphrased): You acknowledge that Ether.Fi is not licensed to provide any financial services

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

Nigeria: card marketed by BANEX Microfinance Bank, licensed by the Central Bank of Nigeria; terms governed by Puerto Rico law

Card issuer DiPocket UAB: Electronic Money Institution authorised by the Bank of Lithuania (licence 75) · Custody: Tangany GmbH, BaFin-regulated crypto-asset service provider under MiCAR*

Regulation / licences: Card issuer DiPocket UAB: Electronic Money Institution authorised by the Bank of Lithuania (licence 75) · Custody: Tangany GmbH, BaFin-regulated crypto-asset service provider under MiCAR

Earn and Borrow are outside the scope of these authorisations

Source states (paraphrased): an Electronic Money Institution authorised and regulated by the Bank of Lithuania (licence number 75)

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Earn and Borrow are outside the scope of these authorisations

Deposit protection

No*

Deposit protection: No

Account Balance Protection (Core up to $10K) is not yet live and is not deposit insurance

Source states (paraphrased): This is not deposit insurance

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%

Account Balance Protection (Core up to $10K) is not yet live and is not deposit insurance

No data yet

Smart-contract risk

Yes

Smart-contract risk: Yes

Source states (paraphrased): qualifying losses caused by unauthorized third-party exploits of ether.fi account smart contracts