Nexo Card

#1 (out of 35) in Crypto Cards
#1 (out of 25) in Crypto Cards for Europe
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Overall Rating
Company Strength
Fee Structure
Customer Service
  • Enjoy up to €20,000 in FREE foreign transactions, based on loyalty tier
  • Generous ATM withdrawals up to €10,000 monthly
  • Your crypto acts as collateral only, you do not actually sell it
  • Amazing card overall
  • No cons, except credit card interest if unpaid within a month
Visa or MC
Debit or Credit

Credit Card

Denominated In€ EUR
Apple PayEnabled
Monthly Fee

0.00 EUR

Monthly Inactivity Fee

0.00 EUR

Interest Rate

0% – 13.9% APR

Foreign Exchange Fee


Crypto to Fiat Crypto->Fiat Conversion Fee


Highest Cashback

up to 2%

Entry-Level Cashback


Entry-Level Cashback Monthly Cap

50 EUR

Daily Spending Limit

10,000 EUR

Daily ATM Withdrawal Limit

2,000 EUR

Crypto to Fiat Conversion

Manual when Repaying

Supported CountriesShow All
Supported CryptocurrenciesShow All (64)

Nexo Card Benefits and Rewards

Nexo offers up to 2% cashback for card transactions. The higher your Loyalty level, the higher the cashback you will receive. Loyalty level is based on what % of your crypto holdings on the Nexo platform consist of NEXO Tokens. See the table below for details.





Required Nexo Holdings 0% – 1% of Your Crypto Portfolio 1% – 5% of Your Crypto Portfolio 5% – 10% of Your Crypto Portfolio Above 10% of Your Crypto Portfolio
Cashback in NEXO Tokens 0.5% 0.7% 1% 2%
Cashback in Bitcoin 0.1% 0.2% 0.3% 0.5%
Monthly Rewards Limit €50 €100 €150 €200

The rewards are paid out in NEXO coin or BTC (Bitcoin), depending on your preference. You can switch between the two as often as you like.

Reality Check While Nexo Card promotes up to 2% cashback, if you're an entry-level user with 1,000 EUR in assets, you'll qualify for 0.5% cashback, capped at 50 EUR per month.

Are other cards more generous at base tier? No, they are not. In fact, Nexo Card offers more value for the entry-level user, than most competitors:

Nexo CardIndustry Average1
Entry Level Cashback0.5%1%
Entry Level Cashback Monthly Cap50 EUR20 EUR

Nexo Card is not a Debit Card, it's a Credit Card

Nexo Card acts very much like a traditional credit card, and has an Interest Rate of 0% - 13.9% APR. You will not need to convert your crypto in advance, nor when spending using the card. The time you will most likely convert your crypto to real-life currency is when you'll be paying off the card at the end of the month.

It Comes in Both Physical and Virtual Forms

You can get Nexo Card in both physical and virtual versions, a feature only available with 50% of crypto cards. They'll mail you the physical card, and you can instantly get the virtual card online after completing KYC Identity Verification.

Wondering about the perks of each card type? Here are some highlights:

Physical Card
Virtual Card
ATM WithdrawalsSecond Card Number
Required for Car Rentals, HotelsInstant Availability
Useful When Phone Dies, or no WifiFreeze for Safety
Backup Payment MethodSet Lower Spend Limits

You will find the physical Nexo Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.

How Does Nexo Card Compare to Other Crypto Cards?

Nexo Card ranks #1 out of 25 amongst similar crypto cards. This makes it the absolute winner in its category.

While we have a total of 35 cards listed in our Crypto Cards category, only 24 are comparable to Nexo Card, since they are available for customers in the same geographical region.

Strongest Features Against Competitors

Here are the strongest features of Nexo Card against its 24 competitors :

  • Offers Apple Pay (while 40% of competing crypto cards don't).
  • Offers up to 50 EUR per month in cashback for entry-level users (exceeding the competitors' 20 EUR average).
  • Has a Foreign Exchange Fee of 0.5% (other cards have 1.5% average).
  • Provides a substantial ATM widthdrawal allowance of 2,000 EUR per day (average amongst other cards is only 1,000 EUR).
  • Supports 64 cryptocurrencies (while other cards support an average of 20).
  • Solid company with a 8.5/10 company strength score (the average for all competing cards is 7/10).
  • Their customer service is very good with a 8.6/10 score (others score only 7.1/10 on average).
  • You can get both a physical card and a second virtual card (while 50% of competing crypto cards offer only one type - either physical or just virtual).
  • Offers free ATM withdrawals for up to 2,000 EUR per month (which is very generous comparing to the average of 200 EUR free withdrawal limit offered by other cards).
  • Their overall fee structure is incredibly budget-friendly, with a score of 9.4/10 (average fee structure rating amongst other cards is 5.5/10).

Nexo Card vs. Revolut Card vs. Ledger CL Card

Nexo Card
Revolut Card
Ledger CL Card
Monthly Fee 0.00 EUR 0.00 EUR 0.00 EUR
Foreign Exchange Fee 0.5% 1% 1.5%
Crypto to Fiat Fee 0.0% 1.49% 2%
Highest Cashback up to 2% up to 1% up to 2%
Entry-Level Cashback 0.5% 0% 2%
Daily Spending Limit 10,000 EUR Unlimited 15,000 EUR
Daily ATM Limit 2,000 EUR 3,000 EUR 2,000 EUR
Availability for United States flagUnited States
Supported Cryptocurrencies 64 121 8
Apple Pay Enabled Enabled Enabled
Customer Service Great Great Great
Company Strength Strong Strong Strong

If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Revolut Card offers an unparalleled Unlimited daily spending limit. You will get lower daily limits with Nexo Card and Ledger CL Card.

Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Both Nexo Card and Ledger CL Card offer solid cashback rewards of up to 2%. The cashback rewards for Revolut Card are not as high.

To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.

Nexo Card ATM Fees: The Real Cost of Cashing Out

Local ATM Withdrawals in EUR

Here's a breakdown of the fees you'll face when making local ATM withdrawals with your Nexo Card:

You're at a local ATM and have:
0.0662 ETH (200 EUR)
-0 EUR
Nexo Crypto-to-Fiat Conversion Fee: 0%
-1.99 EUR
Nexo ATM Withdrawal Fee: 1.99 EUR
-3 EUR
ATM Operator Fee: ~3 EUR
195.01 EUR

Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Nexo Card will cost you a total of ~4.99 EUR (2.5% of 200 EUR), resulting in a final cash withdrawal of 195.01 EUR in hand.

Doesn't Nexo Card Offer Free ATM Withdrawals?

Yes, Nexo offers free ATM withdrawals for up to 2000 EUR per month (which is substantially higher comparing to the average of 200 EUR free withdrawal limit offered by other cards).

When they say 'free', they are only referring to their ATM Withdrawal Fee, which will be waived for the first 2000 EUR withdrawn per month. In our example, if you withdraw 200 EUR, this waiver saves you 1.99 EUR, reducing your local ATM withdrawal cost to around 3 EUR, compared to the standard cost of approximately 4.99 EUR.

International non-EUR ATM Withdrawals

Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your Nexo Card, here's what it will look like:

You're at an international ATM and have:
0.0662 ETH (200 EUR)
-0 EUR
Nexo Crypto-to-Fiat Conversion Fee: 0%
-1.99 EUR
Nexo Intl ATM Withdrawal Fee: 1.99 EUR
-1 EUR
Nexo Foreign Exchange Fee: 0.5%
-2 EUR
Mastercard Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-4 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 188.01 EUR)

For an international withdrawal using your Nexo Card with an initial 200 EUR in ETH, you'll incur fees totaling ~11.99 EUR (6% of 200 EUR), leaving you with 188.01 EUR in the equivalent foreign currency.

Reality CheckCompared to other crypto cards, Nexo Card is more cost-effective for both local and international ATM withdrawals:

Cost with Nexo CardCost with Other Cards
Local ATM Withdrawals~5 EUR (2.5% of 200 EUR)~7.6 EUR (3.8% of 200 EUR)
International ATM Withdrawals~12 EUR (6% of 200 EUR)~17.2 EUR (8.6% of 200 EUR)

From all crypto cards that we reviewed, Nexo Card, Bit2Me Card and KuCoin Card offer the cheapest local ATM withdrawals (2.5%, 2.5% and 2.7% of 200 EUR respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 7.4% of 200 EUR.

We Tested Nexo's Customer Support

We asked Nexo's customer support different questions, and then rated their responses to evaluate how good their support is.

Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.

Nexo offers support via the following channels:

Web Form

Location: Nexo customer service reps are located in Bulgaria flagBulgaria.¹

Support Channel Our Interaction Score
(replied in
1 d 23 h )
Answered the question about dispute process clearly, explained the steps required.
High Competence
Not Personalized
Flawless English, Professional Tone
Web Form
(replied in
3 d 11 h )
Reassuring reply to a question about card security. Good answer, but a late one.
Late Reply
High Competence
Not Personalized
Flawless English, Professional Tone
Web Form
(replied in
4 d 14 h )
Late reply to a question about Apple Pay SMS verification code not arriving. Responded in detail, with the next steps to take.
Late Reply
High Competence
Highly Personalized
Flawless English, Professional Tone
(replied in
1 min)
Super quick responses, concise and to the point.
High Competence
Not Personalized
Flawless English, Professional Tone
(replied in
6 h 32 min)
A fantastic response - detailed, knowledgeable, informative. Question was about Foreign Exchange fees for a specific transaction.
High Competence
Highly Personalized
Flawless English, Professional Tone

To summarize,

Competence and Problem-Solving: Nexo's customer service agents are highly competent, so you can expect every issue to be resolved with professional expertise and a thorough understanding.

Customer Love: Their responses will be personalized when they need to look up specific information from your account, although they may not always address you by name.

Reply Speed: Response times are inconsistent, ranging from as quick as 1 minute to as slow as 5 days.

Overall Customer Service Rating: 8.6/10

This excellent score places Nexo's Customer Service well above the crypto card industry average of 7.1/10.

Nexo Referral Code - to Get 25 EUR Bonus

You can use referral code 2kptcxiixy to get 25 EUR bonus when you create an account on Nexo platform.

Here's how you can enter the referral code:

Nexo referral code

..or, just click here.

Your bonus will be paid out to you in BTC (Bitcoin1), right after you top up your account with the first 100$.

p.s. Are we getting paid for referring you? Yes, and it helps us continue our mission. It's like you are buying us lunch 🍱 for all the hard work we've put into building this site. We really appreciate it. Thank you. 🙏🤗

Is Nexo Card Available for Residents of United States?

No, Nexo Card is not available for residents of United States.

Nexo Card supports the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.

To see our list of available crypto cards for United States, see this list. There are currently 5 cards listed there.

You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.

Right. What's My Next Step?

Paulina Masson

Paulina Masson

Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.

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