Worked example: exclude ineligible spending

If only EUR 500 of an EUR 800 month earns a hypothetical 2%, rewards are EUR 10, not EUR 16. With EUR 12 acquisition, transfer and conversion costs, net benefit is minus EUR 2. Keep total spending and eligible spending in separate worksheet cells; check whether a cap limits rewards or qualifying purchases. These invented figures are not provider rates.

The same €500 can take different funding routes

Someone paid in EUR may add a purchase and transfer step by taking the route EUR → crypto → card. A person who already holds the supported asset starts elsewhere. Include the cost of getting money into the spending balance, not only the purchase shown on the receipt.

Hypothetically, a €2 funding charge per operation costs €2 when funding €500 once, but €10 when funding €100 five times. This illustrates arithmetic, not an actual tariff. Compare that frequency cost with the amount you would need to keep in the account; neither a large idle balance nor frequent transfers is automatically the best answer.

Separate year one from an ordinary month

Put issuance and delivery into year one, and subscription charges into the months you actually subscribe. Then apply reward caps and excluded purchases before estimating usable benefits. A maximum advertising rate is not the return on every purchase in your budget.

If one option spends your own balance and another borrows against collateral, the borrowing column needs interest and a repayment plan as well. Nexo’s Debit/Credit distinction is a useful starting point for recognizing that difference.