Nexo Card is a custodial Mastercard for personal use, with published availability for EEA citizens and residents. It comes in virtual and physical formats and supports Apple Pay, Google Pay, and contactless payments. In Credit Mode, purchases draw on a crypto-backed credit line; in Debit Mode, users can choose which assets are spent and in what order.
Credit Mode spending can earn up to 2 % cashback in NEXO Tokens or Bitcoin, subject to a qualifying account balance. The published fees are 0.00 EUR per month, 0.00 EUR per year, and 0.00 EUR for inactivity. Virtual-card issuance costs 0.00 EUR. ATM withdrawals are also supported.
automatically created
Basicsnexo-card
- Card form
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credit
Source and check
Source
nexo.com
Wording at the source
Credit Mode is how Nexo delivers a crypto credit card experience. Your crypto stays, you spend borrowed fiat.
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Card types
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virtual, physical
Source and check
Source
nexo.com
Wording at the source
You can use it right away online, through Apple Pay or Google Pay. You can also order your physical card.
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Card network
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Mastercard
Source and check
Source
nexo.com
Wording at the source
- 100M+ merchants worldwide — anywhere Mastercard is accepted.
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Custody
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custodial
Source and check
Source
nexo.com
Wording at the source
Industrial-grade custody, instant card freezes, security spending controls, and biometric locks that keep your card experience smooth and uninterrupted.
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Funding model
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credit line
Source and check
Source
nexo.com
Wording at the source
Grow your buying power with crypto-backed Credit Lines starting from 1.9% interest.
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Card currencies
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EUR, GBP, USD
Source and check
Source
nexo.com
Wording at the source
For Nexo Cards issued in EUR or GBP: - Base: EUR 200 / GBP 180 - Silver: EUR 400 / GBP 360 - Gold: EUR 1,000 / GBP 900 - Platinum: EUR 2,000 / GBP 1,800 For Nexo Cards issued in USD:
Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean? - Usage
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personal
Source and check
Source
nexo.com
Wording at the source
*The Nexo Card is only available to European Economic Area (EEA) citizens and residents.
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Mobile wallets
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Apple Pay
Google Pay
Source and check
Source
nexo.com
Wording at the source
Apple Pay and Google Pay supported for smooth, card-free transactions.
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - ATM withdrawals
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Yes
Source and check
Source
nexo.com
Wording at the source
Enjoy up to €2,000 / £1,800 in free ATM withdrawals per month.
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Contactless
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Yes
Source and check
Source
nexo.com
Wording at the source
Apple Pay can be used anywhere that accepts contactless payments, including on transport and in shops, restaurants and cafes worldwide.
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Fees and cashback
| Attribute | Value |
|---|---|
| Fees | |
| Virtual card issuance |
0.00 EUR
Source and check
Source
nexo.com
Wording at the source
- Free Virtual Card Issue free a virtual card instantly and use it through our app or with the Apple Pay & Google Pay integrations.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Physical card issuance |
|
| Shipping |
Standard:
unknown
2 more countries/regionsEEA: 0.00 EUR – 0.00 EUR Source and check Source nexo.com Wording at the sourceThe physical Nexo Card is also free, including shipping.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? United Kingdom: 0.00 GBP – 0.00 GBP Source and check Source nexo.com Wording at the source There's also free shipping for the physical Nexo Card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Monthly fee |
0.00 EUR
Source and check
Source
nexo.com
Wording at the source
- No monthly, annual, or inactivity fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Annual fee |
0.00 EUR
Source and check
Source
nexo.com
Wording at the source
- No monthly, annual, or inactivity fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Top-up fee | unknown |
| Crypto deposit fee | unknown |
| Crypto conversion fee | unknown |
| Minimum conversion | unknown |
| Foreign currency fee | unknown |
| Minimum FX fee | unknown |
| ATM fee |
|
| Merchant-specific fee | unknown |
| Declined payment fee | unknown |
| Refund fee | unknown |
| Inactivity fee |
0.00 EUR
Source and check
Source
nexo.com
Wording at the source
- No monthly, annual, or inactivity fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| Minimum monthly spend | unknown |
| Inactivity rule | unknown |
| Card replacement | unknown |
| Plan waivers | unknown |
| Cashback & rewards | |
| Cashback | 0.1 %
Source and check
Source
nexo.com
Wording at the source
- Platinum: 2% in NEXO Tokens or 0.5% in BTC - Gold: 1% in NEXO Tokens or 0.3% in BTC - Silver: 0.7% in NEXO Tokens or 0.2% in BTC - Base: 0.5% in NEXO Tokens or 0.1% in BTCChecked Verified Value wrong? History What does [s] mean? Base 0.2 % Silver 0.3 % Gold 0.5 % Platinum in BTC |
Amounts in your display currency are approximations (hover or tap for the original and the rate) · exchange rate of
KYC and limits
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ID document
ID document, often with a selfie or video ident
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Verified Nexo account at Nexo
Source and check Source nexo.com Wording at the source
Simply sign up, confirm your email, and complete a fast identity check. Once verified, you'll be ready to start building wealth with Nexo.
Checked Verified Value wrong? No earlier versions What does [s] mean?Requires: E-mail, ID document
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| Limits | Value |
|---|---|
| ATM per month |
10,000 EUR
Source and check
Source
nexo.com
Wording at the source
- Free ATM Withdrawals In case you ever need it, the Nexo Card also gives you up to 10 free ATM withdrawals per month with a monthly limit of up to €10,000.Checked Verified Value wrong? No earlier versions What does [s] mean? |
Values for the entry account tier Base; ↑ shows a higher limit from a higher account tier.
Account tiers (VIP, loyalty)
Account tiers change limits or perks, not the documents.
- Base: No NEXO Tokens are needed.
Source and check
Source
nexo.com
Wording at the source
- Base: No NEXO Tokens are needed
Checked Verified Value wrong? History What does [s] mean? - Silver: NEXO Tokens must be at least 1% of the account portfolio relative to the other assets.
Source and check
Source
nexo.com
Wording at the source
- Silver: The ratio of NEXO Tokens in your account against the rest of your portfolio must be at least 1%
Checked Verified Value wrong? History What does [s] mean? - Gold: NEXO Tokens must be at least 5% of the account portfolio relative to the other assets.
Source and check
Source
nexo.com
Wording at the source
- Gold: The ratio of NEXO Tokens in your account against the rest of your portfolio must be at least 5%
Checked Verified Value wrong? History What does [s] mean? - Platinum: NEXO Tokens must be at least 10% of the account portfolio relative to the other assets.
Source and check
Source
nexo.com
Wording at the source
- Platinum: The ratio of NEXO Tokens in your account against the rest of your portfolio must be at least 10%
Checked Verified Value wrong? History What does [s] mean?
KYC: ID document Nexo states that it does not offer a KYC-free card.
When is KYC needed?
No triggers published.
What do you have to show? Open the KYC finderAvailability
| Attribute | Value |
|---|---|
| Available in |
|
| Residency requirement |
Available only to citizens and residents of selected European countries, including the EEA and United Kingdom; Identity Verification requires a supported identity document issued in the EEA, United Kingdom, or another eligible European country.
Source and check
Source
nexo.com
Wording at the source
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. To be eligible, you must complete...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Key countries
- Germany available
- Austria available
- Switzerland not available
- United States not available
- United Kingdom not available
- France available
- Spain available
- Italy available
- Netherlands available
- Türkiye not available
- Brazil not available
- Nigeria not available
- India not available
- United Arab Emirates not available
- Singapore not available
✓ available · ✗ not available · ? not known from the sources
Point at or tap a country.
Crypto
| Attribute | Value |
|---|---|
| Supported assets |
BTC, ETH
Source and check
Source
nexo.com
Wording at the source
Combine BTC, ETH, and 100+ supported assets as collateral, then swap them anytime as the market evolves.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown |
| Top-up networks |
Ethereum, Tron, Solana
Source and check
Source
nexo.com
Wording at the source
### Seamless crypto transfers Receive crypto from external platforms or wallets across 20+ blockchain networks like Ethereum, Solana, and Tron.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Spending order |
Debit Mode: the user selects which assets are spent and their order (drag and drop in the app). Credit Mode: purchases are drawn on the crypto-backed Credit Line.
Source and check
Source
nexo.com
Wording at the source
You can now easily manage which assets are used for Debit Mode purchases and their order of spending to ensure you're always in control.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fiat top-up |
Yes
Source and check
Source
nexo.com
Wording at the source
Fund your account effortlessly. Add funds via bank transfers under your name, or choose from simple alternatives that match your needs. ### Crypto-friendly bank transfers Your personal USD, EUR, an...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Bonuses and promotions
What Nexo offers itself: referral bonus, welcome bonus, running promotions and partner programme. Values of the provider, with source; no affiliate link in it.
No referral bonus, welcome bonus or promotion documented yet.
Trust
| Attribute | Value |
|---|---|
| Issuer / BIN sponsor |
DiPocket
Source and check
Source
nexo.com
Wording at the source
The Dual Mode capability on the Nexo Card builds upon the advanced infrastructure already provided by Mastercard and DiPocketChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Program manager | unknown |
| Headquarters | unknown |
| Support channels | unknown |
Issuer
The Dual Mode capability on the Nexo Card builds upon the advanced infrastructure already provided by Mastercard and DiPocketChecked Verified Issues 2 card programmes in our catalogue
Transparency
Transparency 67 %
0 of 16 key values not published
- Imprint / company details: no
- Public fee schedule: yes
- Cardholder agreement: no
- Terms and conditions: yes
- Terms with version or date: unknown
Sources last checked 2026-10-29
Licences
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Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
Source and check
Source
nexo.com
Wording at the source
"Exchange on Nexo" refers to trading services in the European Economic Area made available through the platform and provided by DLT Securities Gmbh a company authorized and regulated by BaFin (Germany...
Checked Verified Value wrong? History What does [s] mean? CASP (MiCA) (DE)
What users report
No community reports evaluated yet.
How the score is made up
57.45 of 100 · average
Weighted sum of the criteria, each 0 to 100 from proven values. A criterion without data is not scored and counts neutral, not as 0.
Methodology and weights-
CostsWeight 25 %22.5 of 25 points
monthly/annual fee, top-up, FX and ATM fees
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KYC and privacyWeight 20 %7.0 of 20 points
KYC class needed, KYC-free allowance
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FeaturesWeight 15 %12.2 of 15 points
wallets, physical card, ATM, assets, chains
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AvailabilityWeight 10 %2.3 of 10 points
number of countries, EU/US/UK
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RewardsWeight 10 %1.6 of 10 points
cashback considering caps and staking requirements
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TrustWeight 10 %6.9 of 10 points
licences, incidents, company and card age, issuer, ownership, security, transparency
Trust in detail
- LicencesWeight 15 % 60
- Company age (up to 5 years)Weight 10 % not scored
- Card on the market (up to 3 years)Weight 10 % not scored
- IssuerWeight 15 % 48
- OwnershipWeight 10 % not scored
- Security evidenceWeight 15 % not scored
- TransparencyWeight 10 % 67
- Incidents (12 months)Weight 15 % 100
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CommunityWeight 10 %not scored counts with the median (5.0)
ratings and reports, damped, neutral with too little data
News
Recent news about Nexo from the press and the provider's own channels, rated automatically. · last 90 days: 0 positive, 1 neutral, 0 negative
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Traders Union Neutral FeatureNexo launches zero-interest borrowing against crypto collateral
Assessment: Nexo launches a crypto-collateral lending product; it is not a card change and the snippet gives no terms.
Headlines link to the original article. Sentiment and severity are an automated assessment of headline and summary, not a statement of fact; we do not store the articles.
Early warning
Alerts for this card
We tell you what changes at Nexo Card and Nexo, with evidence for every alert.
Changelog
Score changed from 57.34 to 57.45.
Changes to licences.
Changes to licences.
Score changed from 58.56 to 58.23.
Changes to KYC levels and requirements.
Score changed from 58.95 to 58.56.
Score changed from 61.45 to 58.95.
Score changed from 48.95 to 61.45.
Changes to limits.
Changes to KYC levels and requirements.
Changes to reward programmes.
Changes to limits.
Changes to KYC levels and requirements.
Score changed from 48.87 to 48.95.
Apply for Nexo Card directly with the provider.
All information without guarantee; the provider’s terms are binding. No investment or financial advice: scores are methodical comparisons, not recommendations.