Verified: 2026-10-09
Nexo Card review (2026)
Nexo Card differs architecturally from flat CEX cards: Debit Mode spends a Nexo balance while Credit Mode borrows against collateral. We rank Debit · Base with weekday EEA/UK/CH FX at 0.2% and a modeled debit conversion spread.
Payment assets: USDT, USDC, BTC, ETH, NEXO · Base currency: EUR
| Virtual card | $0 |
|---|---|
| Physical card | $0 |
| Crypto conversion | 0.75% |
| Foreign currency | 0.2% |
| ATM | 2% (after free tier) |
Best for
EEA/UK users who want debit spend from a Nexo balance (or credit mode against collateral) with Apple Pay
Avoid if
You need a single published all-in conversion fee, or you are outside EEA/UK/CH
Best for
EEA/UK users who want debit spend from a Nexo balance (or credit against collateral) with Apple Pay.
Avoid if
You need one published all-in conversion fee, or you are outside EEA/UK/CH.
Fees (verified Sep 2026)
FX weekday 0.2% / weekend 0.7% (EEA/UK/CH). Debit conversion modeled ~0.75%. ATM free to Base allowance then 2%. Cashback mainly Credit + loyalty.
Compare alternatives
Nexo vs Wirex; Nexo Debit vs RedotPay; Nexo vs Kraken Card for exchange-balance spend.
Verdict
Useful when you already use Nexo — treat Debit and Credit as different route variants, not one flat number.