Nexo Card Review: Spend Crypto Without Selling It

Summary

The Nexo Card lets you spend either against a credit line secured by your crypto, or directly from your balance in Debit Mode, and switch between the two in the app. Cashback in NEXO or BTC is earned only in Credit Mode, and the rate depends on your Nexo loyalty tier.

At a glance

Network: Mastercard1
Card type: Credit1
Formats: Virtual + Physical1
Who holds your funds: The company1
ID check: Full ID check1
Top up with: BTC, ETH1
Top-up networks: Not available1
Apple Pay: Yes1
Google Pay: Yes1
ATM cash: Yes1
IBAN: Not available1
Issuing bank: DiPocket UAB1

Fees and limits by tier

	Base	Silver	Gold	Platinum
Card issue fee	Free1	Free1	Free1	Free1
Annual fee	Free1	Free1	Free1	Free1
Monthly fee	Free1	Free1	Free1	Free1
Foreign currency fee	0.2%1	0.2%1	0.2%1	0.2%1
ATM fee (%)	2%1	2%1	2%1	2%1
Inactivity fee	Free1	Free1	Free1	Free1
Cashback	0.5%1	0.7%1	1%1	2%1

Amounts are shown in the currency the issuer publishes them in. We don't convert them.

Base

Cashback in NEXO, or a lower rate in BTC, on Credit Mode purchases only
Smallest monthly allowance of fee-free ATM withdrawals
Virtual card only

Silver

Cashback in NEXO, or a lower rate in BTC, on Credit Mode purchases only
Larger fee-free ATM allowance than Base
Virtual card only

Gold

Cashback in NEXO, or a lower rate in BTC, on Credit Mode purchases only
Higher fee-free ATM allowance
Free physical card with a portfolio above the required minimum
Lower credit line interest than lower tiers

Platinum

Cashback in NEXO, or a lower rate in BTC, on Credit Mode purchases only
Largest fee-free ATM allowance
Free physical card with a portfolio above the required minimum
Lowest advertised credit line interest
Requires at least a tenth of your Nexo portfolio in NEXO tokens

What works

Spend without selling your crypto by borrowing against it
No monthly, annual or inactivity fees
Monthly fee-free ATM allowance that grows with your tier
Unspent balance can keep earning interest
Apple Pay and Google Pay support

What to watch

Best cashback requires holding a large share of your portfolio in NEXO tokens
No cashback in Debit Mode
Physical card only for higher tiers with a larger portfolio
Borrowing against crypto carries liquidation risk if prices drop

Where it works

Available in 34 countries.2 1

Show the country list

Andorra, Argentina, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom

Country guides for this card

Estonia All countries

Questions people ask

What is the difference between Credit Mode and Debit Mode?

Credit Mode draws on a credit line secured by your crypto, so your assets stay in place; Debit Mode spends your stablecoins, crypto or fiat balance directly.

How do I reach a higher cashback tier?

Your loyalty tier depends on how much of your Nexo portfolio is held in NEXO tokens; a bigger share puts you in a higher tier.

Is the Nexo Card available outside Europe?

It is mainly offered in the EEA and the UK, and Nexo also lists Andorra, Monaco and Argentina. Eligibility is confirmed in the Nexo app.

How would you rate Nexo Card?

Used this card? Tap the stars. One rating per person, no account needed.

Sources

The numbers on this page come from these official pages. The small numbered marks next to each fact point here.

nexo.com/crypto-card — Credit/Debit modes; issued by DiPocket UAB; no monthly/annual/inactivity fees; free virtual card ($50 min balance); physical card Gold+ and >$5,000; ATM free EUR200/400/1,000/2,000 then 2% min 1.99 EUR/GBP; FX 0.2%/2% weekdays, 0.7%/2.5% weekends; ca... (checked 2026-11-01)
nexo.com/blog/best-crypto-cards — Oct 29, 2026 post: footer lists EEA, UK, Andorra, Monaco, Argentina; Mastercard; Apple/Google Pay; monthly cashback limits $50-$200; Debit Mode no cashback; credit line 3.9% Gold / 1.9% Platinum at LTV<20% (checked 2026-11-01)
nexo.com/blog/it-is-finally-here-the-nexo-card — Apr 13, 2022 launch with Mastercard and DiPocket in the EEA (checked 2026-11-01)
nexo.com/blog/what-is-nexo-token — Platinum: at least 10% of portfolio in NEXO and balance above $5,000 (checked 2026-11-01)
nexo.com/blog/nexo-argentina-expands-with-the-launch-of-the-nexo-card — Launched in Argentina July 8, 2026; ATM free up to USD 1,000/month and FX free up to USD 2,000/month there (checked 2026-11-01)

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Nexo Card review