Nexo Card
by Nexo
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- Free
- ID check
- Full KYC
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
Nexo Card is distinct for its two modes: spend crypto directly, or use it as collateral for a credit line. Cashback of 2% and up to 14% APY on idle balance appeal to long-term holders.
What we like
- +Credit Mode lets you borrow against crypto
- +Cashback up to 2% in NEXO tokens
- +Up to 14% APY on idle balance
- +No monthly or annual fees
- +Free ATM withdrawals up to €2K per month
Watch out for
- −Physical card unavailable since Jan 2025
- −Best rates need NEXO token holdings
- −Not offered in the US
- −Credit mode interest can be steep outside the Platinum tier
- −Only available in the EEA and UK
7.1/10
Editor score
Good
Lv 4
KYC Level
Full KYC
Regional
Availability
0 countries
Card Overview
Rewards
- Cashback
- 2%
- Cashback Crypto
- NEXO
- Staking Rewards
- Staking APR
- 14%
- Welcome Bonus
- None
- Referral Bonus
- None
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- 2%
- FX Fee
- 0.2%
- Top-up Fee
- Free
- Decline Fee
- Not listed
Limits
- Daily Spend
- Unlimited
- Monthly Spend
- Unlimited
- ATM Withdrawal
- $2,000
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Mastercard
- Apple Pay
- Google Pay
KYC Requirements
Level: Full KYC
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✓Proof of addressRequired
- ✓Selfie verificationRequired
Community Sentiment
Community Score
7.5/10
Sourced from
Nexo Card is seen as one of the strongest centralised card products of 2026. Its dual-mode design earns daily compounding interest up to 14% in Debit Mode until the moment of purchase, while Credit Mode funds spending from a crypto-backed credit line so holders avoid selling. Platinum users praise the 2% cashback, paid daily in NEXO or BTC without lock-up, and the real-time dashboard, mode toggle, Apple and Google Pay and biometric security. Trust is a plus, since Nexo avoided uncollateralised lending unlike Celsius and Voyager, and it holds SOC 2/3 and ISO/IEC 27001 certifications. Caveats are real. UK residents cannot earn crypto cashback under FCA rules, and real returns for EEA users fall between 0.77% and 1.08% after double conversion and spreads. A 0.5% weekend FX surcharge raises Saturday costs in non-European currencies, and new physical card orders have been paused for months. Advanced users note liquidation risk in flash crashes, false positives from the Anti-Scam Engine that cause 24-hour holds, weak chargeback handling and AML-related account closures among early US users.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum, Polygon, Arbitrum, BNB Chain, Avalanche, Solana, Bitcoin
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Frequently asked questions
Does the Nexo Card require KYC?
Yes. Nexo asks for full kyc before issuing the card. Full verification: ID document, proof of address and a selfie or liveness check.
What fees does the Nexo Card charge?
The card has a monthly fee of free, an issuance fee of free, a top-up fee of free, an FX fee of 0.2%. See the fee table above for ATM and decline fees.
Does the Nexo Card work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the Nexo Card?
Availability is limited to specific regions; check the issuer's site for your country.
Which cryptocurrencies does the Nexo Card support?
BTC, ETH, USDT, USDC, DAI, XRP, SOL, ADA, DOT, MATIC, LINK, AVAX, ATOM, UNI, AAVE.
Last updated August 19, 2026, verified August 6, 2026. Issuer of this card? Get your rating badge.