NEXO CARD
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | UP TO €50 |
| NEED KYC | YES |
| FX FEE | UP TO 2.5% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €200 |
| DAILY LIMIT | NOT DISCLOSED |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | UP TO €100 |
| NEED KYC | YES |
| FX FEE | UP TO 2.5% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €400 |
| DAILY LIMIT | NOT DISCLOSED |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | UP TO €150 |
| NEED KYC | YES |
| FX FEE | UP TO 2.5% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €1,000 |
| DAILY LIMIT | NOT DISCLOSED |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | UP TO €200 |
| NEED KYC | YES |
| FX FEE | UP TO 2.5% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €2,000 |
| DAILY LIMIT | NOT DISCLOSED |
- Cashback requires $5,000+ balance AND Credit Mode. If your portfolio drops below $5K or you switch to Debit Mode, you earn nothing. The "up to 2% cashback" headline is gated behind both a minimum balance and a specific spending mode.
Loyalty benefits vanish if your NEXO Token ratio drops. The tier is based on NEXO Token % of portfolio. If NEXO price falls against your other holdings, you can get silently downgraded mid-month.
- Cashback Available: UK cardholders cannot earn cashback (regulatory phase-out)
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:
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 REAL STORY ON THIS CARD.
- Unique dual-mode spending: Credit Mode (borrow against crypto) or Debit Mode (spend balance)
- Earn up to 2% crypto cashback in NEXO tokens or 0.5% in BTC on Credit Mode purchases ($5K+ balance required)
- Up to 13% annual interest on unspent balance
- Credit Lines from 1.9% APR for Platinum tier
- No monthly, annual, or inactivity card fees
- Free ATM withdrawals up to €2,000/£1,800 per month (Platinum)
- Issued by DiPocket UAB, regulated under EEA frameworks
- $7B+ AUM, operating since 2018, SOC 2 Type 2 certified
- Custodial wallet
- Cashback is Credit Mode only; Debit Mode earns zero rewards
- $5,000+ balance AND NEXO Token ratio required for any cashback/loyalty benefits
- FX fees apply on all foreign transactions (0.2% weekday EEA to 2.5% weekend ROW)
- Physical card requires $5,000+ balance, Gold tier, AND NEXO Token % ratio
- Available in EEA and UK only
- Daily spending limits not publicly disclosed
- 2% ATM withdrawal fee above free limit (minimum 1.99 EUR/GBP)
- Credit Mode carries liquidation risk if crypto collateral drops in value
- Nexo has a history of regulatory scrutiny (SEC settlement 2023, Bulgaria investigation, California DFPI penalty 2026)
GENERAL QUESTIONS.
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.
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.
Wirex gives you traditional money tools and blockchain access in one place — with better yields and zero borders.
Depending on your Loyalty Tier, you can enjoy free ATM withdrawals up to a specific amount:
Base: Up to €200 / £180
Silver: Up to €400 / £360
Gold: Up to €1,000 / £900
Platinum: Up to €2,000 / £1,800
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
EEA/UK/CH: 0.2%
ROW: 2%
FX Fees on Weekends
EEA/UK/CH: 0.7%
ROW: 2.5%
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