CARD PROFILE · FULL KYC
Nexo Card.
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.
Cost / $100
$0.20
Top-up fee
Free
Network
Mastercard
Card type
Virtual + Physical
IBAN
Yes
Monthly limit
$60,000
Status
Issues reported
Pros.
- +⭐ 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)
- +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
Cons.
- −Full KYC required (physical card requires $5,000 minimum balance)
- −⚠️ Physical card SUSPENDED since January 2025
- −Penalty interest for early credit repayment: 18.9% APY (within 45 days)
- −EEA + UK + Switzerland + Andorra only
- −Credit mode: liquidation risk on crypto collateral
- −Complex credit/debit mode management
- −+0.5% FX surcharge on weekends
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
Free
Transaction fee
0%
FX fee
0.2%
Issuance
Free
Monthly
Free
Cost / $100
$0.20
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).
COVERAGE
Where it works.
Supported coins
BTCETHUSDTUSDCXRPBNBDOGELTCBCHSOLNEXO
Chains
EthereumBitcoinPolygonArbitrumBNB ChainSolana
Use cases
Online · IRL · ATM
Blocked countries
USCAAFBGCFCUIRLYMMKPSSSDYE
WALLETS
Apple PayYes
Google PayYes
ATMYes
REPUTATION
Trustpilot
—/5
0 reviews
Monevia score
92/100
Verified 2026-04-30
ALTERNATIVES