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Nexo / Card review
European eligibility · Debit / Credit
Nexo Card
Choose between spending your balance in Debit Mode and borrowing in Credit Mode.
- Rewards · first band
- 0% Debit Mode
- Foreign-currency fee
- 0.2–2.5% by region/day
- Card issuance fee
- Free; balance/tier requirements apply
- Maintenance / subscription
- No card annual fee
Your selected card: before you apply.
Selected tier / planDebit Mode · no borrowingNexo Card
Check regional termsChoose your residence first
- Documents to prepare
- Eligible European citizenship/residence and a supported identity document are required. Balance requirements are not issuance fees.
- Cost to obtain the card
- Free; balance/tier requirements apply
Maintenance / subscription: No card annual fee
Steps on the official site or app
- Create a Nexo account and verify with an eligible European identity document.
- Have at least $50 in your account for virtual activation.
- Open the app’s Card tab and choose Activate Card.
- For physical, hold over $5,000 and Gold tier or above, then order in Card.
The official site opens in a new tab. Select the product and tier shown above. Identity checks and the final application take place with the provider.
Why choose this card
Use Debit Mode when you already keep spending funds with Nexo.
A good fit if
Choose Nexo Debit Mode if you meet European identity/residence rules and want to spend an existing Nexo balance without borrowing.
The tradeoff
Debit Mode earns no cashback; physical issuance needs over $5,000 and Gold tier, while FX varies by region and day.
Consider Bybit EU for EUR-funded rewards if eligible and its separate account and redemption process suit you.
Check regional termsFees & rewards
Debit Mode · no borrowing
- Rewards · first band
- 0% Debit Mode
- Foreign-currency fee
- 0.2–2.5% by region/day
- Card issuance fee
- Free; balance/tier requirements apply
- Maintenance / subscription
- No card annual fee
Read the conditions behind the figures
Credit Mode rewards are separate. FX is 0.2% weekdays/0.7% weekends in EEA/UK/Switzerland, or 2%/2.5% elsewhere.
Figures refer to the selected card and plan. Do not combine them with benefits of another pictured or listed tier.
How the card works
Debit Mode · BTC / ETH / USDC / USDT / EURx / USDx / GBPx
Have at least $50 in your account for virtual activation.
Before you apply
Check regional termsEuropean residence alone does not qualify every applicant. Check accepted ID requirements. Credit Mode adds interest and collateral risk.
Regional availability is not individual approval. Figures refer to the selected card/plan; check tier, identity-document and delivery conditions.
Refunds & support
- Cancellations, refunds and support
- Ask the merchant first for a completed-purchase refund. Distinguish pending authorizations from settled charges; if the merchant refuses, keep refusal correspondence and receipts for a Client Care chargeback request.
- How long does it take?
- Official guidance makes timing merchant-dependent and publishes no fixed credit deadline. Obtain the merchant’s processing date and reference, then ask Client Care to trace an overdue refund.
- Where is it returned?
- Refunds are recorded in EURx or GBPx matching the initially selected card currency. For Credit Mode, inspect the refund and loan balance separately; do not assume automatic repayment.
- Cancellation and subscriptions
- Deactivate through Card → More → Deactivate card. Ask Client Care separately about account closure and outstanding borrowing; cancel paid merchant subscriptions directly with the merchant.
- Declined or unfamiliar transactions
- Check available balance or collateral capacity for the selected Debit/Credit Mode and card deactivation. For restricted money-transfer/cash-like merchants, avoid repeated retries; send timestamp, amount and merchant to Client Care.
- What to prepare for support
- Use the Help Center’s 24/7 Client Care or Contact form. Include refund-refusal evidence, receipts and transaction reference, clearly identifying a card-purchase dispute.
Official information · support.nexo.com ↗
Official information · support.nexo.com ↗
Official information · support.nexo.com ↗
Official information · support.nexo.com ↗
Official information · support.nexo.com ↗
Practical payment facts
Narrow by supported features · brand guidance, subject to regional and tier conditions.
- Funding / spending assets
- BTC · ETH · USDC · USDT · EURx · USDx · GBPx
- Supported networks
- Official confirmation needed
- Balance / billing currency
- EUR / GBP card program; multiple account assets
- Conversion timing
- At payment
- Virtual card
- Listed · check region and plan
- Physical card
- Listed · check region and plan
- Apple Pay
- Listed · check region and plan
- Google Pay
- Listed · check region and plan
- Recurring payments
- Listed · check region and plan
Brand and custody
- Card issuer / operator
- Official confirmation needed
- Custody of funded balances
- Tangany — clients onboarded to the EEA setup
Instant card freezes, spending controls and biometric locks are supported. Tangany provides custody under the new EEA setup, with existing accounts migrating in phases. Debit Mode spends the balance without collateral borrowing.
Official sources
카드 자격·모드 · Eligibility & modes ↗유럽 서비스 구조 · EEA setup ↗
Issuance and limits ↗
Official terms · 2026-09-08 ↗
Official information · Nexo Card ↗
Catalog dated 7 Sep 2026 · supplemental facts checked 8 Sep 2026