Monetiro229 services on the ledger · last checked October 6, 2026
ENRU
$0.20/$100
Take it?CostsAsks forLimitsWhere it worksFlawsWhat has changedHow we checkedAlternatives
Ledger
Nexo Card

Nexo Card

MastercardVirtual and plasticSince 2023
Asks for everythingIssues reported

Before you continue. Readers report problems with this service — withdrawals, support or card delivery. Check current reports before you put money on it.

Best Trustpilot among crypto cards (4.5/5, 16K+ reviews). Unique dual credit/debit mode — borrow against crypto without selling. ISO 27001 + SOC 2 Type 2 security. Physical card suspended since January 2025.

Total, per $100 spent: $0.20per $100 spent

43 of the 174 priced cards cost less. Among the 113 that ask for exactly as much identity, the median is $1.25.

Open nexo.comNot a paid link: we earn nothing either way.

Whether to take Nexo Card

In its favour

  • Best Trustpilot rating: 4.5/5 (16,526 reviews) — 'Excellent'
  • 99% response rate to negative reviews within 24 hours
  • Unique dual mode: Debit (sell crypto) + Credit (borrow against crypto without selling)
  • Free issuance (virtual + physical)

Against it

  • Physical card SUSPENDED since January 2025
  • Full KYC required (physical card requires $5,000 minimum balance)
  • Penalty interest for early credit repayment: 18.9% APY (within 45 days)
  • EEA + UK + Switzerland + Andorra only

Also true, in its favour

  • 0% FX on major currencies (0.2% on others)
  • 900+ cryptocurrencies on platform
  • 60+ blockchain networks
  • Up to 14% APY earn on idle balance
  • Up to 2% cashback in NEXO/BTC
  • ISO 27001 + SOC 2 Type 2 certified
  • Apple Pay & Google Pay
  • High limits: €20K/tx, €50K/day, €200K/month

What Nexo Card costs

ChargeWhat it costs
To get the card
To issue the card$0.00
Monthly$0.00
To put money in
To load0%
To spend it
To spend0%
To spend outside the dollar0.2%
At a cash machine2% after free tier (Basic €200, Silver €400, Gold €1,000, Platinum €2,000/mo)
Total, per $100 spent$0.20

Not published by the issuer: per payment, fixed.

Read off nexo.com on July 21, 2026.

0% top-up. 0.75% crypto conversion (debit mode). FX: 0.2% (major currencies), 2% (others), +0.5% weekends. ATM: free €200-€2,000/month by tier, then 2%. Free issuance. Credit: 2.9% APY (Platinum) to 18.9% APY (early repayment).

KYC: what Nexo Card asks for

Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.

Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards

Limits on spending

Monthly spend$60,000
Daily spend$10,000
Per payment$10,000
Cash, per day$2,000

Not published by the issuer: maximum balance.

Confirmed on nexo.com on July 21, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.

Where it works

WalletsApple Pay and Google Pay
Accepted whereOnline, in person, cash machines
Account detailsIts own account details
Coins in11BTC, ETH, USDT, USDC, XRP, BNB, DOGE, LTC, BCH, SOL, NEXO
Chains6Ethereum, Bitcoin, Polygon, Arbitrum, BNB Chain, Solana
TiersDebit, Credit

Closed to residents of 1 countries, according to the issuer's own terms.

  • United States

The other flaws

  • Credit mode: liquidation risk on crypto collateral
  • Complex credit/debit mode management
  • +0.5% FX surcharge on weekends

What has changed

1 recorded changes, the most recent on February 16, 2026. Each carries the page we read it on.

February 16, 2026VerifiedNexo relaunches in US market via Bakkt partnershipNexo reentered the US market on February 16, 2026, partnering with NYSE-listed Bakkt to offer crypto yield, exchange, and crypto-backed credit lines. The Nexo Card (currently EEA/UK only) is expected to expand to the US as part of the 2026 rollout.businesswire.com

How we checked this

Thirteen fields are tracked for every service. 12 of them carry a figure we read off nexo.com on July 21, 2026.

Issuer's page
Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Issuance · Monthly · Cash machine charge · Spending limits · Apple Pay and Google Pay
Sign-up flow
Identity level
Live check
Operating status
Terms
Countries closed
The issuer does not publish
Maximum balance

Nothing here came from a press release, an affiliate sheet, or another comparison site.

Open nexo.comNot a paid link: we earn nothing either way.

Alternatives to Nexo Card

Takes $0.20 less on every $100 spent.Nebeus CardNebeus CardMastercardVirtual and plasticAsks for everythingOperationalNothing at the door, nothing abroad, nothing monthly. One of 41 cards that cost nothing.AG21 Jul$0.00per $100 spent
Costs $1.30 more per $100 — the price of the difference.Mine CardMine CardMastercardVirtual and plasticAsks for everythingOperational1.5% outside the dollar. 1 fee field is not published.AG7 Sept$1.50per $100 spent
Takes $0.20 less on every $100 spent.WhiteBirdWhiteBirdMastercardVirtual and plasticAsks for everythingOperationalNothing at the door, nothing abroad, nothing monthly. One of 41 cards that cost nothing.AG9 Sept$0.00per $100 spent