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Nexo Card

Updated: Aug 3, 2026

The Nexo Card is a dual-mode crypto payment card offered by Nexo. In Debit Mode, users can directly spend crypto assets, stablecoins, and FiatX balances held in their accounts. In Credit Mode, they can obtain spending capacity backed by crypto assets without selling those assets before payment. The card settles through the Mastercard network and is available as a virtual or physical card for online purchases, in-store payments, subscriptions, and ATM withdrawals. It is currently primarily available to eligible residents of Europe and Argentina.
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Card network
Mastercard
Product type
Crypto-collateral credit card
Card form
Virtual card / Physical card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
80-89
Supported assets
USDT / USDC / BTC / ETH / SOL / XRP / ADA / AVAX / DOT / LINK / MATIC / ATOM / DAI / UNI / USD / EUR / GBP / AAVE
Last updated
Aug 3, 2026

Official and company information

Issuer identity and company credentials

Nexo is a digital asset wealth management platform operating since 2018, offering asset trading, custody, yield, collateralized lending, and payment services. The European Nexo Card is issued by Lithuanian institution DiPocket UAB and settles transactions through the Mastercard network. Digital asset custody for EEA customers is provided by Tangany, which holds a MiCAR license and is regulated in Germany; the platform also uses custody infrastructure such as Ledger Vault and Fireblocks. Argentine operations are conducted under the local virtual asset service provider regulatory framework.
Company / issuer
Nexo
Legal name
Nexo Capital Inc
Registered region
Switzerland (CH)
Headquarters
Original保加利亚
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Nexo Card connects directly to the user's Nexo account, and the same card can switch between Debit Mode and Credit Mode at any time. Debit Mode debits and converts crypto assets, stablecoins, or balances such as EURx, USDx, and GBPx in the order set by the user. Credit Mode provides a credit limit based on the value of collateral, with borrowing rates starting from 1.9% annually, no traditional credit scoring, and no fixed repayment date. European users can activate a virtual card once their account balance reaches USD 50 and apply for a physical card after their balance exceeds USD 5,000 and they reach Gold tier. The card supports Apple Pay, Google Pay, online subscriptions, in-store payments, and ATM withdrawals. On July 8, 2026, Nexo Card officially entered the Argentine market. The local version supports spending in Argentine pesos and USD and uses separate cashback, reward, and foreign exchange fee rules.
Mastercard card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Drag or swipe anywhere in the table to view every card; labels stay fixed

Nexo Virtual Nexo Card
Nexo Physical Nexo Card
Nexo Card Argentina
Card formVirtual cardPhysical cardVirtual card
Fees
Monthly fee
Free
No monthly, annual, or inactivity fees
Free
No monthly, annual, or inactivity fees
Free
No monthly, annual, or inactivity fees
Card issuance fee
Free
No issuance fee
Free
and delivery free
Free
No issuance fee
ATM fee
2%
2%, min €1.99/£1.99; charged after free monthly allowance exceeded
2%
2%, min €1.99/£1.99; charged after free monthly allowance exceeded
Free
Monthly free allowance US$1,000
Foreign exchange fee
0.7%
Weekdays 0.2%–2%; weekends 0.7%–2.5%; charged by region and transaction date
0.2%
Weekdays 0.2%–2%; weekends 0.7%–2.5%; charged by region and transaction date
Free
ARS and USD free; other currencies 2%, weekends 2.5%
Top-up fee
Failed transaction fee
Rewards
Cashback
Crypto cashback
0.5%
NEXO 0.5%–2% or BTC 0.1%–0.5%; credit mode only, by tier
0.5%
NEXO 0.5%–2% or BTC 0.1%–0.5%; credit mode only, by tier
4%
Credit mode up to 4%, debit mode up to 2%; reverts to 2% and 1% after activity
Staking rewards
Staking APR
Welcome bonus
5 USD + 10%
First purchase 10% up to US$5; bonus US$50/month for meeting criteria; up to US$150 in first three months
Referral bonus
Limits
Daily spending limit
10,000 EUR
Default daily spending limit
10,000 EUR
Default daily spending limit; also £9,000
Monthly spending limit
60,000 EUR
Default monthly spending limit
60,000 EUR
Default monthly spending limit; also £54,000
ATM withdrawal limit
600 EUR
€600/transaction, €2,000/day, €10,000/month; £540/transaction, £1,800/day, £9,000/month; default cash withdrawal limit
600 EUR
Default cash withdrawal limit: €600/transaction, €2,000/day, €10,000/month; £540/transaction, £1,800/day, £9,000/month
1,000 USD
Monthly free withdrawal allowance
Card network
Drag horizontally to view other cards

Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and China applicability

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

32
AustriaATMaltaMTCyprusCYNetherlandsNLDenmarkDKIrelandIEEstoniaEEBulgariaBGNorwayNOPolandPLFinlandFIUnited KingdomGBPortugalPTItalyITSlovakiaSKFranceFRSloveniaSISwedenSEArgentinaARRomaniaROBelgiumBESpainESHungaryHULithuaniaLTIcelandISGermanyDELiechtensteinLICzechiaCZLatviaLVCroatiaHRGreeceGRLuxembourgLU
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

210
JerseyJEPanamaPAAntigua & BarbudaAGChileCLQatarQANauruNRCayman IslandsKYFalkland Islands (Islas Malvinas)FKGibraltarGIIraqIQSouth Georgia & South Sandwich IslandsGSWestern SaharaEHUgandaUGBosnia & HerzegovinaBANew ZealandNZPalauPWAzerbaijanAZHeard & McDonald IslandsHMSan MarinoSMGreenlandGLNiueNUSenegalSNMartiniqueMQAnguillaAIGuernseyGGPuerto RicoPRThailandTHRwandaRWGuinea-BissauGWHondurasHNMaldivesMVUnited StatesUSBurundiBIComorosKMGuineaGNIndonesiaIDUruguayUYMadagascarMGNigeriaNGTajikistanTJSurinameSRHong KongHKBouvet IslandBVSyriaSYCentral African RepublicCFMalawiMWVenezuelaVEAlbaniaALGuamGUEswatiniSZFaroe IslandsFOZambiaZMGambiaGMFrench GuianaGFIranIRNew CaledoniaNCNamibiaNATaiwanTWMontserratMSGrenadaGDChinaCNMontenegroMEEthiopiaETMacaoMONigerNESudanSDTunisiaTNJamaicaJMLesothoLSBurkina FasoBFAngolaAOKenyaKECosta RicaCRSeychellesSCSouth AfricaZASvalbard & Jan MayenSJGeorgiaGEChristmas IslandCXFrench Southern TerritoriesTFBahrainBHVatican CityVAPitcairn IslandsPNCongo - BrazzavilleCGChadTDBeninBJEquatorial GuineaGQEritreaERBotswanaBWIsle of ManIMMaliMLBoliviaBOCongo - KinshasaCDSão Tomé & PríncipeSTBelarusBYMayotteYTNepalNPMicronesiaFMTimor-LesteTLGabonGAGhanaGHCambodiaKHYemenYERussiaRUUzbekistanUZKuwaitKWMongoliaMNSri LankaLKSt. HelenaSHIsraelILTurkmenistanTMSingaporeSGPhilippinesPHSouth SudanSSArubaAWLibyaLYMyanmar (Burma)MMCocos (Keeling) IslandsCCSamoaWSEgyptEGMonacoMCSolomon IslandsSBNorfolk IslandNFCameroonCMU.S. Outlying IslandsUMOmanOMSt. Kitts & NevisKNCook IslandsCKAmerican SamoaASMozambiqueMZGuyanaGYSaudi ArabiaSATogoTGSerbiaRSSt. BarthélemyBLLiberiaLRKazakhstanKZParaguayPYGuatemalaGTColombiaCOMoroccoMATongaTONorthern Mariana IslandsMPÅland IslandsAXZimbabweZWBelizeBZPeruPECôte d’IvoireCISt. MartinMFCape VerdeCVBhutanBTMauritiusMUCuraçaoCWSint MaartenSXRéunionRETürkiyeTRFijiFJPakistanPKDominicaDMNorth KoreaKPGuadeloupeGPUnited Arab EmiratesAEWallis & FutunaWFJapanJPKyrgyzstanKGNorth MacedoniaMKMexicoMXCanadaCAUkraineUABritish Virgin IslandsVGTokelauTKBritish Indian Ocean TerritoryIOEl SalvadorSVVietnamVNSomaliaSOIndiaINEcuadorECTuvaluTVPapua New GuineaPGDominican RepublicDOBahamasBSBangladeshBDMauritaniaMRSouth KoreaKRJordanJOU.S. Virgin IslandsVIHaitiHTSt. Vincent & GrenadinesVCBarbadosBBLaosLAVanuatuVUKiribatiKISierra LeoneSLDjiboutiDJBrazilBRMarshall IslandsMHNicaraguaNIAustraliaAUAndorraADMalaysiaMYBermudaBMTurks & Caicos IslandsTCBruneiBNTrinidad & TobagoTTMoldovaMDCubaCUFrench PolynesiaPFTanzaniaTZSwitzerlandCHLebanonLBSt. LuciaLC
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

1、中国大陆:不可申请;已持卡用户可在支持境外 Mastercard 的商户和 ATM 使用,也可绑定微信支付或支付宝,受实名验证、钱包风控及交易限额限制。

2、香港:不可申请;已持卡用户可在接受 Mastercard 的线上、线下商户和 ATM 使用,跨币种交易按照 Nexo 的外汇费用规则结算。

3、澳门:不可申请;已持卡用户可在接受 Mastercard 的商户及 ATM 使用,移动钱包绑定和线上交易仍受发卡地区及商户风控限制。

4、台湾:不可申请;已持卡用户可在接受 Mastercard 的线上、线下商户和 ATM 使用,外币消费会按照交易时间及地区收取外汇费。

Updated: Aug 3, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / National ID card / Driver's license / Proof of residential address

Review time / regional limits

Automatic verification generally completes within a few minutes; abnormal documents or risk triggers enter manual review.

KYC provider

Sumsub, Jumio

Updated

Aug 3, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported12
Not supported0
UpdatedAug 3, 2026

Wallet payments

Alipay

Supported

Aug 3, 2026

Wallet payments

Apple Pay

Supported

Aug 3, 2026

Cash services

ATM withdrawal

Supported

Aug 3, 2026

AI tools

ChatGPT

Supported

Aug 3, 2026

AI tools

Claude

Supported

Aug 3, 2026

Wallet payments

Google Pay

Supported

Aug 3, 2026

AI tools

Midjourney

Supported

Aug 3, 2026

In-person payments

Offline POS

Supported

Aug 3, 2026

Online shopping

Online shopping

Supported

Aug 3, 2026

Wallet payments

PayPal

Supported

Aug 3, 2026

Subscriptions

Subscription payment

Supported

Aug 3, 2026

Wallet payments

WeChat Pay

Supported

Aug 3, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Laitrustpilot4 / 5

I have Capital One Checking account and…

I have Capital One Checking account and could not link to Nexo's website. I had to move my money to Citi bank, waited for five days and started to trade
View original
Samuel Johnsontrustpilot4 / 5

Company is really working hard to make…

Company is really working hard to make their dreams to stand fame ,it's excellence ⭐⭐⭐
View original
PNWAgentSapp_store1 / 5

No customer service no borrowing

Yes they advertise stuff but it’s not true and they have no customer service so you make the call. I wouldn’t trust this company with my lunch money let alone my cryptos.
View original
Gustavotrustpilot5 / 5

Mi experiencia en Nexo...

Estoy con ellos hace mas de un año.La plataforma es muy buena,e intuitiva. Una empresa que continua a la vanguardia..En mi caso es la inversion,son puntuales y cumplidores a la hora de los retiros de capital y/o inereses. Me siendo cómodo,brindan seguridad tienen una excelente asesoría personalizada. Después de un profundo análisis de mercado sin duda son la mejor opción.
View original
J.trustpilot1 / 5

Borrowing is NOT available to most states

**update** They have not reached out for “individual” assistance. This company is a joke. I wouldn’t trust them with my lunch money let alone crypto. Borrowing is available for Nevada so I signed up and got verified. But guess what, borrowing is NOT available to me specifically? Contacted support, escalate to agent. Estimated wait is 1 minute my ass. I've been waiting for over 40 mins now. Other companies will start offering the borrow feature too. I'll wait. This company is a joke and I cringe at the fact that they have my information which I'm sure they'll sell to the next crook willing to pay or one of their employee will steal it. Deleting this account. You better erase my information when I delete my account you bastards.
Official reply
Hi J, Thank you for sharing your experience with us. We would like to learn more about your situation and hope you will respond to our request for contact details so one of our specialists can review your case and offer individual assistance via email.
View original
Philiptrustpilot5 / 5

Service via App works very well and…

Service via App works very well and reliable, so it is convenient to use. That’s most important to me! If any questions arrive the Nexo Service works fast and reliable.
View original
Rien H.trustpilot1 / 5

You are lying again as as you are…

You are lying again as as you are plying nice guy here but in the meantime it is terrible. 1. you didnt reply to every email 2. you came with a ridiculous answer that my mail has been breached 12 x. well than you should answer completely. the first time was more than 14 times. it actually means nothing as it shows also LinkedIn uses mails. I was NEVER hacked or scammed before. The last so called breach was April 2025 and I created my account by Nexo February 2026 so not relevant. I know and notice again and again you are trying every possible way to run away from your responsibility. Fact stays your security is not what it should be. I saw the hacker busy in my account. I immediately pressed that is was not me and all you offer in these situations is to write an email. WJAT??? In such an important period losing time is the last thing you need. Than you receive an auto reply how to protect you account. TOTALLY IRRELEVANT AT THAT TIME!! Valuable time is lost. In such a case an account should be blocked the same second!! But noooo NEXO want you to write a mail, or suggest changing your password. dumb answer, as the hacker is in the account and sees all so absolutely no use!! Than you try to open the chat, getting a BOT..during a hack getting a bOT??? WAOW. and the bot even answered this is not the right place to report the hack. than you are forwarded to an agent. AFter waiting 30 minutes, yest 30 minutes an agent, but he also cant help. What a service during a hack. But this hole procedure took so long, that it is absolutely of no use as in 5 minutes all my assets were gone. All because your security is a joke, a big joke. And to ''you answered ll my mails'' well you didnt as to my mail from 9th of August: Formal Complaint: System Failure and Negligence regarding Account Theft I also didnt receive an answer. Time is ticking and legal steps are being prepared
View original
UNIFIED YD LTDtrustpilot4 / 5

Great experience overall

Good customer support Great interest rates Easy to use A bit expensive fees
View original
Kauila Houpogoogle_play4 / 5

Nexo: Crypto Wealth Platform Google Play review - 4 star

I moved ahead some now I was at a regular standstill at a ever so absolute worst time ever.
View original

Risk factors

Updated: Jul 20, 2026

No risk factors are available