Spend Without Selling Your Crypto

The Nexo Card is a natural extension of our Instant Crypto Credit Lines, allowing you to make everyday purchases on the go without having to sell your valuable crypto. Put simply, Nexo gives you fiat you can spend and in return, you provide crypto as security for repayment – and all this is done in the background whenever you make a purchase with your card.

Rates start from 0% APR¹ and never exceed 13.9% APR. You can enable the “Purchase with 0% APR” option from the Card Settings menu inside the Card tab. Once enabled, we’ll transfer just enough collateral to keep your LTV below 20% so you benefit from our 0% Dynamic Interest – provided you have enough assets in your account.

As soon as you get your Nexo Card, you’ll start earning instant crypto rewards on every purchase or ATM withdrawal, paid out in Bitcoin (up to 0.5% back) or NEXO Tokens (up to 2% back) – with the option to change your reward currency at any time, as often as you like.

And there are even more benefits for you to enjoy:

• No minimum monthly repayments

• No monthly, annual, or inactivity fees

• No FX fees for up to €20,000 per month

• Up to €10,000 in monthly ATM withdrawals

• Up to 10 free withdrawals per month

• Free additional virtual cards

You’ll be able to activate your virtual Nexo Card immediately and order a physical one that will arrive in due time. Once connected to Apple Pay or Google Pay, the virtual card functions just like the physical one – you can even make contactless withdrawals on most ATMs. The added benefit of the virtual card is that you can’t lose it or have it stolen out of your pocket or purse.

Note: Keep in mind there are monthly and daily transaction and withdrawal limits on your Nexo Card. See the details below.

Transaction limits:

• Monthly: up to €60,000

• Daily: up to €10,000

• Per single transaction: up to €10,000

ATM withdrawal limits:

• Monthly: up to €10,000

• Daily: up to €2,000

• Per single withdrawal: up to €600

The Nexo Card is part of our Loyalty Program. Each Loyalty tier has its own crypto rewards rate:

• Platinum: 2% in NEXO Tokens or 0.5% in BTC

• Gold: 1% in NEXO Tokens or 0.3% in BTC

• Silver: 0.7% in NEXO Tokens or 0.2% in BTC

• Base: 0.5% in NEXO Tokens or 0.1% in BTC

The more NEXO Tokens you hold in your account, the higher your Loyalty tier and the more crypto rewards you will receive when using the Nexo Card. Learn more about our Loyalty Program here.

As you climb the Loyalty tiers, your monthly reward cap also increases:

• Platinum: $200 monthly cap on crypto rewards

• Gold: $150 monthly cap on crypto rewards

• Silver: $100 monthly cap on crypto rewards

• Base: $50 monthly cap on crypto rewards

The above limits will reset on a 30-day rolling basis.

Currently, only citizens of the European Economic Area (EEA) can order a Nexo Card. To be eligible, you need to verify your identity and also meet the following criteria:

• For a virtual card: maintain a Portfolio Balance of at least $50.

• For a physical card: maintain a Portfolio Balance of at least $500 and a Gold or Platinum Loyalty tier.

Activating your virtual Nexo Card is almost instantaneous: 

1. Open the Nexo app and tap on the 'Card' section.

2. Tap on the 'Activate Nexo Card' button to issue your virtual card.

3. Add the card to Apple Pay or Google Pay.

4. You're now ready to make your first transaction!

To see your card number, expiration date and CVC, go to the Card section and tap on ‘Card Details’. You can also freeze or unfreeze your card, reveal or change its PIN, go through your transaction history, track your monthly transaction limits, and change your reward currency – BTC or NEXO.

If you’d like, you can also order a physical Nexo Card:

1. Open the Nexo app and go to the ‘Card’ tab.

2. Swipe left and tap on the ‘Order Nexo Card’ button.

3. Follow the on-screen instructions and wait up to 2 weeks for your card to arrive.

4. Once you receive your card, activate it by opening the Nexo app, entering your 16-digit card number, and selecting a PIN.

Whether you decide to spend through the virtual card or the physical one, keep in mind that you’ll be earning crypto rewards on every purchase you make. Also, both cards have no monthly, annual or inactivity fees.

Depending on your Loyalty tier, you can enjoy up to 10 free withdrawals:

• Platinum: 10 free withdrawals

• Gold: 5 free withdrawals

• Silver: 3 free withdrawals

• Basic: 1 free withdrawal

Once you run out of free withdrawals, you’ll be charged only €1.99 per additional withdrawal until your monthly limit resets again.

Depending on your Loyalty tier, you can enjoy up to €20,000 in free foreign transactions:

• Platinum: No FX fees for up to €20,000 per month

• Gold: No FX fees for up to €10,000 per month

• Silver: No FX fees for up to €5,000 per month

• Basic: No FX fees for up to €3,000 per month

Once you reach your currency exchange limit, you’ll be charged a modest 0.5% fee on foreign transactions until your monthly limit resets again.

You can do this by tapping the “Repay” button on the Dashboard inside the Nexo app. Keep in mind that if you already have an open credit line, the outstanding credit from spending with the Nexo Card will merge with your open credit line.