The essentials
- Confirm the deposit in the destination currency
- Leave room for temporary holds in the prepaid balance
- Connect the hotel’s release with card settlement
Confirm the deposit in the destination currency
Before travelling from Poland to a euro-area hotel, ask what amount will be preauthorized in addition to the final room price. Confirm acceptance of prepaid or debit cards, physical-card requirements and the guest-name rule. Acceptance for an online reservation does not guarantee acceptance for the deposit at reception.
Divide the PLN travel budget into room payment, temporarily reserved deposit and money for spending during the trip. Use the amount the property confirms rather than inventing a standard deposit percentage. For an USD or other-currency destination, consider the separate conversion between that deposit currency and the EUR card balance.
Leave room for temporary holds in the prepaid balance
Crypto.com EU requires a separate top-up from the EUR Cash Account to the card. Budget the hotel deposit against the Card balance, not all assets visible in the app. Because topped-up funds cannot simply return to the Cash Account, plan the hotel amount alongside a separate contingency payment method.
Its official help says excess hotel or car-rental holds can remain for up to 60 days after use. That does not mean every property takes 60 days or every refund follows that timetable. Allow flexibility if you hoped to reuse the same reserved money at the next hotel immediately after checkout.

Connect the hotel’s release with card settlement
At departure, save the final folio and a reference for any deposit-release instruction. If the app shows both a hold and a completed charge, compare amounts and dates and ask the hotel what each represents. Releasing a temporary authorization differs from issuing a new refund for a settled purchase.
If an item remains unresolved after returning to Poland, provide official app support the booking reference, currency, amount, checkout date and merchant reply. Nexo refunds are recorded in EURx or GBPx according to the initial card currency; translate that result into your PLN travel budget only after checking the actual credit.
- Confirm card acceptance and the local-currency deposit.
- Prepare Card availability and separate trip money.
- Obtain the checkout folio and release reference.
Compare the cards in this story
| CARD PROFILE | Rewards · first band | Foreign-currency fee | Maintenance / subscription |
|---|---|---|---|
| Crypto.com Midnight Blue | Basic everyday spend 0% | EEA non-EUR: 0.2% in EU/UK; 2% elsewhere | Basic plan free |
| Crypto.com Midnight Blue · Free Basic plan. Travel/promotional rewards are separate from the everyday rate; issuance and FX vary by region. | |||
| Nexo Card | 0% Debit Mode | 0.2–2.5% by region/day | No card annual fee |
| Nexo Card · Credit Mode rewards are separate. FX is 0.2% weekdays/0.7% weekends in EEA/UK/Switzerland, or 2%/2.5% elsewhere. | |||
Fee and reward sources
EU fees and limits ↗Basic subscription ↗
Application fees ↗
Rewards and benefits ↗
Prepaid lineup ↗
Crypto.com US prepaid fees and limits ↗
Crypto.com Brazil/LATAM USD prepaid fees ↗
Card fees, modes and eligibility ↗
Issuance and limits ↗
Official terms · 2026-09-08 ↗
Published terms for these plans. Read the card profiles for caps, reward forms and other costs.
Compare cards ↗Official sources
An editorial guide based on official materials, not a report of a payment test or an individual approval.






