Nexo Card in one line: hodlers who want spending power without selling. Below is the full fee sheet, our verdict, pros and cons, and the sources we checked on 2026-09-03. Fees change without notice — treat this page as a verified snapshot, not a promise.
Verdict
The only card here that lets you spend without selling: your crypto stays invested as collateral while a credit line funds purchases. Powerful for long-term holders - with real liquidation risk if collateral value falls sharply.
Fee sheet
- Network
- Mastercard
- Card type
- Credit-line secured card
- Custody model
- Collateral stays in your Nexo portfolio
- Supported coins
- Collateral in BTC, ETH and 20+ assets; spending in fiat or USDT
- Monthly fee
- $0
- Issuance
- $0 virtual instant; physical in select regions
- FX fee
- 0%
- ATM fee
- Free up to monthly cap on higher tiers, then about 2%
- ATM limit
- Up to about 1,000 EUR/day, tier-dependent
- Rewards
- Up to 2% cashback in BTC or NEXO tokens
- Mobile wallets
- Apple Pay and Google Pay
- Availability
- EEA, UK and select European countries; not available in the US
What the data actually says
Nexo's card is architecturally different from every other card here. Instead of a prepaid balance, it draws a credit line secured by your portfolio. Every purchase borrows against your BTC or ETH, which means your assets stay invested and, in many jurisdictions, you avoid realizing gains at the till.
That structure is the whole point - and the whole risk. If collateral prices fall sharply, Nexo can require repayment or partial liquidation exactly when markets are down. Treat the card as a convenience line, keep the loan-to-value conservative, and never stake the majority of a portfolio against everyday spending.
For long-term holders in the EEA or UK who want liquidity without selling, it is the best-designed option on this list. For anyone who wants the simplest possible prepaid experience, Crypto.com or Bybit remain easier.
Pros
- Spend against collateral without selling or triggering a taxable swap
- 0% FX and no monthly fee
- Cashback in BTC on higher loyalty tiers
- Repay and instantly restore full collateral
Cons
- Liquidation risk: a sharp collateral drop can trigger margin calls
- Credit-line model is more complex than prepaid
- Availability limited to Europe (EEA, UK, select countries)
Frequently asked questions
Is the Nexo Card free to use?
The Nexo Card charges $0 per month and $0 virtual instant; physical in select regions to issue. Card spending carries 0% in FX fees, and ATM withdrawals cost: Free up to monthly cap on higher tiers, then about 2%. Conversion spreads can still apply, so compare the rate you receive against the live market price.
Where is the Nexo Card available?
The Nexo Card is available in: EEA, UK and select European countries; not available in the US. Full KYC is required to open an account, and availability can change as programs expand or pause markets.
Who is the Nexo Card best for?
HODLers who want spending power without selling. The only card here that lets you spend without selling: your crypto stays invested as collateral while a credit line funds purchases. Powerful for long-term holders - with real liquidation risk if collateral value falls sharply.
Sources checked 2026-09-03
- Nexo Card product page
- Nexo support (terms and LTV rules)
- Nexo - Who can order the Nexo Card (EEA + UK)