Nexo Card Review 2026
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Last updated: by the
Nexo Card delivers unprecedented flexibility as the world's first crypto-backed card with dual Credit and Debit modes that you can switch between instantly. In Credit Mode, borrow against your crypto collateral earning up to 2% cashback in NEXO tokens or 0.5% in Bitcoin based on your loyalty tier, while your assets continue earning up to 16% APY. Perfect for European crypto holders who want spending power without selling, Nexo Card combines automated repayments, instant switching between 40+ cryptocurrencies, and Mastercard's global acceptance—making your digital wealth work harder while you spend smarter.
This is a Mastercard crypto card. It offers cashback rewards. Available in Europe.
| Issuance Fee | Free |
|---|---|
| Annual Fee | Free |
| FX Fee | Not disclosed, standard Mastercard rates |
| ATM Limit | Available at Mastercard ATMs |
| Spending Limit | Based on credit line or account balance |
The Nexo Card allows you to top up and spend using 2 supported digital assets. Your crypto is automatically converted to local fiat at the point of sale.
The Nexo Card is best suited for everyday crypto holders looking for a simple, convenient way to spend digital assets without managing wallets manually.
With Up to 2% in NEXO tokens or 0.5% in BTC (Credit Mode only; tiered by loyalty) cashback on eligible purchases, the Nexo Card rewards active spenders who use the card as their daily driver.
The card is currently available in EEA countries — ideal for residents and frequent travellers in those areas.
Compare the Nexo Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Getting started with the Nexo Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.
Visit the official Nexo website or download their mobile app. Register with your email address, set a strong password, and accept the terms of service. Sign-up is free.
Submit a government-issued photo ID (passport or national ID card) along with a live selfie for identity verification. Nexo processes applications in line with AML and KYC regulations.
Once verified, top up your card balance using 40+ cryptocurrencies from Nexo account including BTC, ETH, stablecoins via the platform's funding interface. Your crypto is automatically converted to the local fiat currency at the prevailing rate when you spend.
Your virtual Nexo Card is available immediately in the Nexo app. Use it for online purchases, or add it to Apple Pay or Google Pay for in-store contactless payments.
Available Across the EEA
The Nexo Card is available throughout the European Economic Area — covering all 27 EU member states plus Iceland, Liechtenstein, and Norway. UK residents should verify post-Brexit availability directly with the issuer.
Key supported countries:
