Nexo Card: Fees, Limits and Cashback

Nexo fees and limits

Other Nexo fees

• Inactivity: None: "no monthly, annual, or inactivity fees"
• Card replacement: Virtual card re-issue is free; the physical card fee is shown only in the app

Source: Nexo fee terms.

"Not disclosed" means Nexo does not publish the figure. Fees are read from the issuer's own pages, linked under Sources.

Nexo cashback and rewards

Cashback applies only to Credit Mode purchases (spending borrowed against your crypto), never to Debit Mode. You need a portfolio of at least $5,000, and your Loyalty tier is set by the share of NEXO Tokens in your portfolio (Silver 1%, Gold 5%, Platinum 10%). Rates shown are for NEXO Token payouts; choosing BTC pays 0.1% to 0.5%. Monthly reward caps reset on the 1st.

What Nexo costs over a year

Net value per year after cashback, conversion, FX, ATM and fixed fees, with US dollars as the home currency, 20% of spending abroad and one $200 ATM withdrawal a month.

Run it with your own numbers in the card cost calculator.

Nexo Apple Pay, Google Pay and ATM withdrawals

Nexo works with Apple Pay and Google Pay. The virtual card is ready to use as soon as it is issued. ATM withdrawals: 2% + €1.99 after €200 free a month, up to €2,000 a day. It runs on Mastercard, so it works wherever that network is accepted, online and in shops.

Where Nexo is available

Nexo is offered in the 33 countries below. Nexo lists the EEA, Andorra, Monaco, the UK and Argentina "and other selected jurisdictions", so the list is not complete; the app's Check eligibility screen is final. Bulgaria is excluded because Nexo says its services are unavailable there. Personal accounts only. The card can be issued in EUR, GBP or USD. The DiPocket card terms cover EEA and UK residents only; the issuer for Argentina is not published.

The crypto card finder lists every card we track by country.

Topping up Nexo

Nexo tops up with USDT, USDC, BTC and ETH. The conversion fee is not published. The card is custodial, so the provider holds your card balance.

How to get the Nexo card

1. Check that you live in a country where Nexo is offered (see the list above).
2. Download the Nexo app and complete identity verification with a government ID and a selfie check.
3. Top up with USDT, USDC, BTC and ETH.
4. Issue the virtual card for free and add it to Apple Pay or Google Pay.
5. Order the physical card if you need ATM withdrawals or chip and PIN payments.

What Nexo asks for when you sign up

• ✓ Email: required
• ✓ Phone number: required
• ✓ Government ID: required
• ✓ Selfie or liveness check: required

EEA residents registering from 30 June 2026 may be asked for extra national regulatory information. Account opening is unavailable to UAE residents.

Source: Nexo verification requirements.

Nexo sign-up and referral offers

• Referral offer: Up to $5,000 in NEXO shared with each referred friend, who must add $5,000+ in digital assets within 30 days and hold it for another 30 days

Offers change often. Source: Nexo offer terms.

Nexo app ratings

• App Store: 4.7 out of 5 from 2,048 ratings
• Google Play: 4.6 out of 5 from 51,360 ratings

Checked September 28, 2026.

Nexo overall rating

Nexo rates 48/100 in our crypto card ranking.

Is Nexo safe?

Nexo scores 63/100 (Good) in our safety check. Issuer: Nexo Services Sp. z o.o. (Poland). Licensing: Card issued by DiPocket UAB, an electronic money institution authorised by the Bank of Lithuania (licence No. 75); in the EEA, custody is provided by Tangany GmbH and trading by DLT Securities GmbH, both BaFin-supervised under MiCA. BIN sponsor: DiPocket UAB.

Card funds are not stored with DiPocket; Nexo settles each card transaction, and the card terms say DiPocket "does not issue electronic money to you". Nexo's real-time reserves attestation (Armanino from 2021, Moore Johannesburg from April 2023) no longer has a live page, and we found no dated reserves report for 2025 or 2026.

Full Nexo safety report