Quick answer

The Nexo Card gives you flexibility in how you use your crypto. Spend from your available balance in Debit Mode, or use Credit Mode to access liquidity backed by your assets — all without changing your long-term position.

The flexibility that comes with crypto.

If you hold crypto, you probably have two familiar thoughts:

• “If I want my crypto to earn interest, I shouldn’t touch it.”
• “If I need to spend, I have to sell some of my crypto.”

That’s a natural assumption, because traditional finance separates saving from spending. Your “growth” money stays in one place, and your “everyday” money stays in another.

So it’s easy to assume crypto works the same way. But it doesn’t have to.

Imagine this instead:

Your crypto stays where it is, continues earning daily interest, and remains ready to use whenever you need it.

You don’t have to move it to another account. You don’t have to sell it ahead of time. You don’t have to decide between “saving” and “spending.”

Instead of choosing between savings and spending, you get the flexibility to do both depending on the moment.

Why this matters for long-term crypto holders.

Crypto holders generally want two things:

1. Keep their long-term position

Because they expect the value of their assets — Bitcoin, Ethereum, or stablecoins — to grow over time.

2. Access money in the real world

For everyday purchases, such as travel, online shopping, subscriptions, or unexpected expenses.

Traditionally, spending meant selling. This approach removes that trade-off. Your crypto remains a working asset while also being part of your day-to-day life.

Earn up to 2% crypto cashback on everything you spend in Credit Mode — paid in NEXO Tokens or Bitcoin, your choice.

How the Nexo Card fits in.

Debit Mode: Use the crypto you keep available

When you hold assets in your Savings Wallet, they stay flexible.

You can:

• Earn up to 13% % annual interest, paid out daily.
• Keep your assets in place.
• Spend them whenever you choose.

If you pay in Debit Mode, your assets continue to earn interest until the moment you use them for a transaction. Nothing is locked, and you can still trade or withdraw at any time.

Credit Mode: Use a credit line backed by your crypto

Credit Mode is how Nexo delivers a crypto credit card experience. Your crypto stays, you spend borrowed fiat. Instead of spending your assets, you simply access funds based on their value.

This lets you:

• Stay invested.
• Keep your market exposure.
• Access spending power without selling your crypto.

Which mode should you use?

Use Debit Mode for everyday spending when you're happy to part with the assets you tap — they keep earning interest right up until the moment you pay. Use Credit Mode when you'd rather not sell: you keep your full position and market exposure, earn cashback, and repay on your own schedule. For a fuller side-by-side, see crypto credit card vs crypto debit card, and for the mechanics of borrowing against crypto, crypto credit cards explained.

What you get with the Nexo Card

• Up to 2% crypto cashback on Credit Mode spending, paid in NEXO Tokens or Bitcoin.
• Up to 13% annual interest on your available balance, paid daily.
• 100M+ merchants worldwide — anywhere Mastercard is accepted.
• No monthly, annual, or inactivity fees.
• Free ATM withdrawals up to your Loyalty Tier limit (up to €2,000 / £1,800 on Platinum).
• Apple Pay & Google Pay, plus an instant virtual card you can use right away.
• Security built in — instant card freeze, spending controls, and biometric locks.

How to start using your crypto this way with Nexo?

1. Add crypto to your account

Your assets will appear in your Savings Wallet, where they can begin accruing daily interest* (depending on your settings and jurisdiction).

2. Activate your virtual Nexo Card*

You can use it right away online, through Apple Pay or Google Pay. You can also order your physical card. 

3. Choose how each payment works

• Debit Mode → spend from your available balance
• Credit Mode → access funds without selling your crypto

This is what gives you the freedom to use your crypto without stepping out of your long-term plan.

Spend without stepping out of the market

The Nexo Card lets your crypto keep working while you live your life — earning interest, earning cashback, and staying invested, with no need to sell. Choose how every payment works, in a single tap.

Frequently asked questions.

How do I actually spend my crypto with a card?

You add funds to your account, activate your virtual Nexo Card, and pay online or in stores through Apple Pay or Google Pay.

When you tap the card, it uses the mode you’ve selected: Debit Mode spends from your available balance, while Credit Mode gives you access to funds based on your crypto’s value without selling your assets.

Is interest really paid daily?

Yes. Interest accrues daily for assets held in the Savings Wallet of your Nexo account. Some jurisdictions require opting in.

Can I spend the interest I earn?

Yes. Once interest is credited, it becomes part of your available balance and can be spent, exchanged, or withdrawn.

Does the Nexo Card offer cashback?

Yes. When you spend in Credit Mode with a balance above $5,000, you earn up to 2% crypto cashback on every purchase — paid in NEXO Tokens, or up to 0.5% in Bitcoin if you'd rather stack BTC. You can switch your cashback currency anytime, and your exact rate depends on your Loyalty Tier.

How much interest can I earn?

With Nexo, you can earn up to 13% % annually on your available balance, depending on your Loyalty Tier and opt-in settings.

Do I lose interest when I spend?

Only on the assets you actually use for that transaction. The rest of your balance continues to earn interest.

Do I need to sell my crypto to pay?

Not if you use Credit Mode. You access spending power backed by your crypto instead of selling it. Your assets remain part of your long-term position while you cover everyday expenses.

Can I switch between Debit Mode and Credit Mode?

Yes. You can choose which mode to use for each individual payment. It only takes a tap to change from Credit to Debit Mode and vice versa.

The content of this article is intended solely for general informational and educational purposes. It does not constitute and should not be relied upon as financial, investment, legal, accounting, or tax advice, or as a recommendation to buy, sell, or hold any cryptocurrency or other financial instrument. Trading and investing in digital assets such as Bitcoin and other cryptocurrencies are inherently speculative and involve a substantial risk of loss. Always do your own research and consult a qualified professional before making any financial decisions.

*The Nexo Card is only available to European Economic Area (EEA) citizens and residents.

Rates are subject to change and may vary by region, Loyalty Tier, and other applicable factors.