Spend without selling your crypto in Credit Mode and earn interest on your available balance.
Join Nexo's Loyalty Program with a portfolio balance above $5,000 and enjoy exclusive perks.
Earn up to 13% interest per year on your unspent balance, paid out daily.
Make payments at over 100 million merchants globally.
Enjoy up to £1,800 in free ATM withdrawals per month.
Apple Pay and Google Pay support for smooth, card-free transactions.
Enjoy daily spending with no monthly, annual, or inactivity card fees.
Two ways to spend. Both built around your goals. Use Credit Mode to access liquidity without selling your crypto. Switch to Debit Mode in a single tap and earn interest on your balance.
The Nexo Card is designed for people who see spending as part of their digital wealth strategy, not a break from it.
Markets shift, but your strategy doesn’t have to. Use your digital assets as collateral or spend them — whichever suits your goals.
Borrow against your digital assets or spend them, all while earning interest. No credit checks or repayment schedules required.
Track spending, balances, earnings, and borrowing right from the Nexo app.
Instant card freezes, spending controls, and biometric locks keep your card experience smooth and uninterrupted.
The Nexo Card is a crypto card that can be used in Credit or Debit Mode. In both modes, it connects to your available balance to provide you with liquidity for your everyday expenses, online purchases, subscriptions, and more. The following two modes can be changed at any time and as often as you’d like.
Credit Mode:
Credit Mode allows you to make purchases without having to sell your valuable crypto. It also helps you retain the upside potential of your crypto while using its value in everyday life.
To learn more about Credit Mode, visit our dedicated Help Center article Learn about the risks of borrowing.
Debit Mode:
Debit Mode can help you grow your savings while having them available to spend at any time. It’s an easy and rewarding way to spend your digital assets, while earning daily compound interest.
To learn more about Debit Mode, visit our dedicated Help Center article.
The Nexo Card is currently available only to citizens and residents of selected European countries, including the European Economic Area (EEA) and the United Kingdom. To be eligible, you must complete Identity Verification with a supported identity document issued in the EEA, the United Kingdom, or another eligible country in Europe.
There are two types of Nexo card, a virtual and physical one.
Activating your virtual Nexo Card is almost instantaneous and done through your Nexo app. For a detailed step-by-step guide, visit our Help Center article.
To order and activate your physical Nexo card, follow the steps detailed in this Help Center article.
Depending on your Loyalty Tier, you can enjoy free ATM withdrawals up to a specific amount:
Once you reach your free withdrawal limit, you’ll be charged a 2% fee (minimum of 1.99 EUR/GBP) per additional withdrawal until your monthly limit resets again.
Yes, the respective foreign transaction (FX) fees depend on the day of the week of the transaction:
FX Fees on Weekdays
FX Fees on Weekends
