Switch between Credit and Debit Mode with one tap. Spend without selling your crypto, earn interest on your available balance, and get up to 2% cashback.
Switch between Credit and Debit Mode with one tap. Spend without selling your crypto, earn interest on your available balance, and get up to 2% cashback.
Switch between Credit and Debit Mode with one tap. Spend without selling your crypto, earn interest on your available balance, and get up to 2% cashback.
Switch between Credit and Debit Mode with one tap. Spend without selling your crypto, earn interest on your available balance, and get up to 2% cashback.
Spend from your crypto balance while we handle the conversion.
Spend stablecoins or crypto prioritizing which assets to use first with a simple drag and drop.
Spend any supported asset, while enjoying an ever-growing list of new currencies.
Get up to 2% in crypto cashback on purchases. You'll also be earning interest on assets not used as collateral.
Grow your buying power with crypto-backed Credit Lines starting from 2.9% interest.
Enjoy flexible repayment with no fixed schedule or credit checks.
Join Nexo's Loyalty Program with a portfolio balance above $5,000 and enjoy exclusive perks.
Enjoy crypto cashback every time you spend in Credit Mode.
Earn up to 14% interest per year on your unspent balance, paid out daily.
Make payments at over 100 million merchants globally.
Enjoy up to €2,000 / £1,800 in free ATM withdrawals per month.
Apple Pay and Google Pay supported for smooth, card-free transactions.
Enjoy daily spending with no monthly, annual, or inactivity card fees.
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 and crypto cashback. No credit checks or repayment schedules required.
Track spending, balances, earnings, and borrowing right from the Nexo app.
Industry-grade custody, instant card freezes, security spending controls, and biometric locks that 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.
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.
You can receive crypto cashback on every purchase when using your Nexo Card in Credit Mode if your account balance is above $5,000 worth of digital assets. The cashback is paid out in NEXO Tokens or Bitcoin, with the option to change your cashback currency at any time.
If your account balance is above $5,000 worth of digital assets, the ratio of NEXO Tokens held against the rest of your portfolio will place you in one of four Loyalty Tiers, each one yielding more crypto cashback per purchase. Here is the cashback for each Loyalty Tier:
The virtual Nexo Card can be activated once you have at least $50 to your Nexo account. You can spend that balance instantly.
There’s also free shipping for the physical Nexo Card. To order a physical card, you need an account balance above $5,000 worth of digital assets and at least a Gold Loyalty Tier.
Currently, only residents of the European Economic Area (EEA) and the UK can order a Nexo Card. To be eligible, you need to complete identity verification.
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
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