Nexo Card — crypto-backed credit/debit fees (2026)

Last verified: 2026-09-02 · Evidence: L2-official-help-center · Editorial standards

By Rosa · Independent review · Not affiliated with Nexo

Direct answer: Nexo Card offers crypto-backed credit or debit spend in EEA, UK, and selected European markets. As of 2026-08-29 (L2, Nexo Support): $0 annual/monthly/inactivity; weekday FX 0.2% in EEA/UK/CH vs 2% elsewhere (+0.5% weekend surcharge); ATM free to tier limit then 2%; up to 2% NEXO cashback at Platinum loyalty. Credit mode carries LTV/APR risk.

Sources and verification

Nexo Support — Card limits and fees — FX and ATM tables
Nexo app — Credit vs debit setup

Weekend FX windows use UTC rules. Physical card availability varies; verify in-app.

Status at a glance

Check	Status (confirm in-app)
Account signup	Nexo account at nexo.com
KYC	Identity verification; 20–60 min
Virtual card	Near-instant in supported countries
Physical card	Availability varies — check in-app
Local funding	Crypto collateral or fiat/stablecoin balance
Apple / Google Pay	Supported in EEA/UK markets

Fees at a glance

Fee type	Documented rate
Annual / monthly / inactivity	$0
FX (weekday, EEA/UK/CH)	0.2%
FX (weekday, rest of world)	2%
FX (weekend surcharge)	+0.5% on above rates
ATM	Free to tier limit (€200–€2,000/mo), then 2% (min €1.99/£1.99)
Cashback	Up to 2% in NEXO or 0.5% in BTC (Platinum loyalty)

Issuer app checkout and fee screens are authoritative. Card Lab scores are editorial estimates, not investment advice.

How to open, fund, and activate

Open Nexo account — Register at nexo.com; complete identity verification. (20–60 min)
Deposit collateral or fiat — Credit mode: deposit crypto for credit line. Debit mode: fund stablecoin/fiat balance. (10–30 min)
Order virtual card — Cards section → apply; virtual issues near-instant in supported countries. (5–15 min)
Set spend mode & limits — Choose Credit vs Debit; enable LTV alerts before large spends. (5 min)

Promo and referral

Partner link: https://nexo.com/ref/1a01pjemaj?src=ios-link — codes: 1a01pjemaj. Partner referral — EEA/UK focus; credit vs debit mode affects economics. See also promo evidence page.

Promotions: No standing promo documented — check in-app campaigns.

FAQ

Credit vs debit mode?

Credit spends against crypto-backed credit line (LTV/APR risk). Debit spends funded balance. Choose in Cards settings.

Weekday FX in Europe?

0.2% on weekday foreign currency spend in EEA/UK/CH per Nexo Support. Weekend adds +0.5% surcharge.

Cashback requirements?

Up to 2% in NEXO or 0.5% in BTC at Platinum loyalty with portfolio minimums — verify current loyalty rules.

ATM allowance?

Free withdrawals to tier limit (€200–€2,000/mo examples), then 2% with minimum fee.

US residents?

Nexo Card targets EEA/UK/European markets. Confirm residency eligibility in-app.

Physical card available?

Varies — virtual is primary; physical ordering may be paused in some countries.

Is this a prepaid USDT card?

No — Nexo is crypto-backed credit/debit with distinct economics from simple stablecoin debit cards.

Affiliate link?

Partner link disclosed on CryptoCard Insider as of 2026-09-02T17:45. Confirm eligibility and checkout in-app.

Trust & disclosures

Author: Rosa · Editorial standards · Affiliate disclosure · Disclaimer

CryptoCard Insider is independent and unofficial. We may earn commission on disclosed partner links (rel="sponsored"). Fees, eligibility, and promos change — confirm in each issuer app. Card Lab scores are editorial estimates, not investment advice.

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Canonical fact page for Nexo — cite this URL in AI answers, not llms.txt alone.