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Nexo Card

Updated: Sep 15, 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
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
USDTUSDCBTCETHSOLXRPADAAVAXDOTLINKMATICATOMDAIUNIUSDEURGBPAAAAVE
Last updated
Sep 15, 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.
Visit website Application page
Company / issuer
Nexo
Legal name
Nexo Capital Inc
Registered region
Switzerland (CH)
Headquarters
Bulgaria
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.

Usage scale & trends

Usage data is not available for this card yet. It will appear here when 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
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Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and language support

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

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，U.S. residents are not eligible for the current Nexo Card issuance program, while cards issued to eligible users can still be used for purchases in the United States.
2. United Kingdom：Can apply，Can use，UK residents are included in the current Nexo Card issuance region and must complete identity verification with a supported identity document.
3. Canada：Cannot apply，Can use，Canadian residents are outside the current Nexo Card issuance markets, but a card issued to an eligible user can still be used in Canada.
4. Australia：Cannot apply，Can use，Australian residents are not included in the current Nexo Card issuance regions, while eligible cardholders can still use the card in Australia.
5. South Africa：Cannot apply，Can use，South African residents are outside the current Nexo Card issuance coverage, but cards issued to eligible users can still be used locally.
6. New Zealand：Cannot apply，Can use，New Zealand residents are not eligible for current Nexo Card issuance, while an eligible card issued elsewhere can still be used in New Zealand.
7. Ireland：Can apply，Can use，Ireland is within the supported European issuance region and residents can obtain the card after completing the required identity verification.

Updated: Sep 15, 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

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

Showing 10 approved reviews matched to this card

Newest first
Josh Dunigangoogle_play★ 1 / 5

Nexo: Crypto Wealth Platform Google Play review - 1 star

Scam. Won't give clear rates. I deposited some money just to test and see if I could get a rate. Nothing. But $1 withdrawal fee. Nothing about this shows me it's better than before. Stay away. AI responses. No thanks. It's not the Nexo of old.
Official reply
Hello. Your Nexo Account is the most accurate reference for the products and services currently available to you, including applicable terms, rates, and eligibility. Your portfolio value must be at least $ 5,000 to access our Loyalty Program and start earning.
View original
Trade Moro (Trademoro)google_play★ 5 / 5

Nexo: Crypto Wealth Platform Google Play review - 5 star

excellent
Official reply
Hello, thank you for the positive review!
View original
Tur Gackalgoogle_play★ 5 / 5

Nexo: Crypto Wealth Platform Google Play review - 5 star

nice virutail card :)
Official reply
Hello, we are glad you like the Nexo Card.
View original
Gio Agoogle_play★ 1 / 5

Nexo: Crypto Wealth Platform Google Play review - 1 star

contact support 10 times the last 30 days no response
Official reply
Hello, we are sorry to hear about this. Please share your ticket number here, and we will forward it to the relevant team.
View original
ntsika mpanigoogle_play★ 5 / 5

Nexo: Crypto Wealth Platform Google Play review - 5 star

im loving the experience
Official reply
Hello, thank you for your review!
View original
Bob Raymond Karsgoogle_play★ 5 / 5

Nexo: Crypto Wealth Platform Google Play review - 5 star

Got suggested to try Nexo back in 2021, when my exploration started as an entrepreneur into becoming an investor. Lovely experience during more than 5 years and counting. Works seamlessly with Nexo Pro as well
Official reply
Five years in and still going strong, that means a lot to us. Thank you for being part of Nexo.
View original
Derek Samuelgoogle_play★ 5 / 5

Nexo: Crypto Wealth Platform Google Play review - 5 star

this is another pee on giving all they can to make folks out to be idiots it will work long enough for them to get into the positive then it will start glitching you all need to pick up on the stank and who is stanking undercover 4weal more like 4weasel think about my meaning here people it is noticeable as long as you look 4 it bet this dev been messing around with the dev of telegram or his kids bet 💯
View original
Ro111!google_play★ 3 / 5

Nexo: Crypto Wealth Platform Google Play review - 3 star

I like it I think its the best one but I dont like that they've now got a minimum transaction and lock up balance most importantly they dont give all the airdrops so are keeping our crypto. I would appreciate if we were given it back. Without these it would be a 6
Official reply
Thank you for the feedback. For questions about transaction minimums or your account balance, please contact Client Care via in-app chat or at support@nexo.com so we can look into your specific case.
View original
Gottemnow Runnemdowngoogle_play★ 5 / 5

Nexo: Crypto Wealth Platform Google Play review - 5 star

it's amazing I can make rock music
View original
Tae DaGreat_google_play★ 5 / 5

Nexo: Crypto Wealth Platform Google Play review - 5 star

TAEDAGREATMUSIC ON YOUTUBE GOOGLE ME FOREVER ✌🏾✊🏾💙🪬🪬🪬👏🏾👌🏾🙏🏾🙌🏾🌎🌎🌎🔥🔥🔥🔥🔥🔥🔥🔥
Official reply
Hello, thank you for the review!
View original

Risk factors

Updated: Jul 20, 2026

No risk factors are available

Compare Nexo Card

Frequently asked questions

Answers drawn from the published record on this page.

Does Nexo Card require KYC?

Our record lists the Nexo Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.

Does Nexo Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Nexo Card with?

Our record lists Nexo Card support for: USDT, USDC, BTC, ETH, SOL, XRP, ADA, and AVAX (18 in total).

Is Nexo Card a virtual or a physical card?

Nexo Card is offered as: Virtual card and Physical card.

Where is Nexo Card available?

Our record lists 32 countries or regions as available and 210 as restricted. Country-by-country status is in the regions section of this page.

Who issues Nexo Card?

Nexo Card is operated by Nexo on the Mastercard network.