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Nexo Card

by Nexo (Mastercard; issued by DiPocket UAB, Lithuania EMI) · Updated 2026-07-02

Get my Nexo Card
Marketed: 0.5%Your effective cashback: 0.5% ($25/mo) at $5,000/mo on the Base plan
Cashback earned on your spend
$5,000 spent × 0.5%
0.5% on all spend (no cap)
$25/mo
Gross cashback per month
sum of the bands above, before fees
$25/mo
Annual cashback
$25/mo × 12 months
$300/yr
No fees on this plan
$0
Net cashback after fees
annual cashback minus all fees
$300/yr
Effective cashback rate
net ÷ your annual spend (0.5%)
0.5%

Based on your monthly spend — edit it on the home page.

At a glance

Network
Mastercard
Custody
custodial
Card type
credit
Form
Physical & virtual
Mobile wallets
✓ Apple Pay✓ Google Pay
Tokens
USDTUSDCBTCETHNEXO
Availability
EEA (EU + Iceland/Liechtenstein/Norway), United Kingdom
KYC
Required (Advanced Verification)
Funding
Crypto / stablecoin balanceFIATx balanceCredit line (borrow against collateral)
Spending limit
€10,000/txn · €10,000/day · €60,000/mo
ATM limit
€600/withdrawal · €2,000/day · €10,000/mo

Pros

  • Genuine 0% FX within generous, tier-scaled monthly limits (up to €20k) — cheap for travel/foreign spend
  • No monthly, annual, issuance or inactivity fees
  • Dual credit/debit toggle — spend balances or borrow against crypto without selling
  • Choice of cashback in NEXO or BTC; up to 2% at the top tier
  • Idle balance earns up to ~13% APY via Nexo Earn, stacking with card use

Cons

  • Top 2% cashback requires holding ≥10% of your portfolio in the volatile NEXO token — real price exposure
  • Cashback is earned in Credit Mode only; debit spend earns nothing
  • Low monthly reward caps ($50–$200) blunt returns for higher spenders
  • Custodial, with a regulatory history (SEC/state settlement, 2022 US exit); card still unavailable in the US
  • Requires a ~$5,000 balance just to be eligible for card cashback

Cashback plans

Fees

FX markup
0% up to a monthly limit (Base €3k → Platinum €20k), then 0.2% (EEA/UK) or 2% (rest of world) + 0.5% weekend surcharge
ATM
Free to a monthly limit (€200 Base → €2,000 Platinum), then 2% (min €1.99)
Spending (crypto→USD)
0% (Credit Mode borrows against your crypto collateral)
Funding / top-up
No card top-up fee (standard platform buy/swap fees may apply)
Issuance
$0
Monthly
$0 (no monthly, annual or inactivity fee)

Perks & benefits

Get my Nexo Card

We may earn a commission if you sign up through our links — it never affects our rankings or the cashback math.

Sources & how we verify this

Researched and verified 2026-07-02 via nexo.com + the nexo.how KB mirror (support.nexo.com is JS-rendered and blocks fetch) cross-checked against CryptoSlate, CryptoNews, Coin Bureau, cryptocardslab and CoinMarketCap. Mastercard, issued by DiPocket UAB (Lithuania EMI); custodial; EEA+UK only (US excluded). Cashback (Credit Mode only, needs ~$5k portfolio): Base 0.5% / Silver 0.7% / Gold 1.0% / Platinum 2.0% in NEXO (or ~4× lower in BTC), caps $50/$100/$150/$200 per month. MODELING CHOICE: modeled as two plans — Base (0.5%, no NEXO required) and Platinum (2.0%) — since the loyalty tier is driven by NEXO as a % of TOTAL portfolio (hold, not lock), which our engine can't express exactly; the Platinum requiresStake (~$1,500) is an ESTIMATE that scales with portfolio size (10% of it) and should be treated as indicative. FX is genuinely 0% within tier limits for EEA/UK local-currency spend. The '6% cashback' seen on some affiliate pages is an expired 2023 promo. VERIFY before publishing: exact portfolio thresholds per tier, travel-insurance scope, current physical-card availability (reported paused), and the referral referee bonus (~$25 BTC after KYC + $100 top-up, aggregator-sourced).

Card terms are researched and illustrative — always confirm the latest with the issuer. Nothing here is financial advice.

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