Tria
Self-custodial Visa crypto card with one-time tier fees and no monthly cost.
Last checked: 2026-06-22
- Self-custody-focused crypto spenders
- Users comparing crypto card reward and travel-perk models
Review
Nexo Card
Nexo Card lets eligible users switch between Credit Mode, where crypto backs a credit line, and Debit Mode, where supported assets can be spent directly. It is strongest for existing Nexo users who understand custody, collateral and regional eligibility.
Last checked: 2026-06-22Overall: 4/5Fees: 4/5Travel: 4/5
Not financial advice
Crypto cards are not bank deposits. Check official terms, custody model, issuer availability and compliance requirements before loading funds.
Best for
- Existing Nexo users
- Eligible European users comparing collateral-backed spending
Avoid if
- Users outside eligible countries
- Users who want non-custodial spending only
Summary verdict
- Dual-mode crypto Mastercard for selected European residents.
- Nexo fee pages tell users to refer to the app for the most current personal limits and fees.
- Keep at least one backup provider for critical trips or payouts.
Availability
Region-dependent
Selected European countries, including EEA and United Kingdom eligibility
Nexo states card eligibility is limited to citizens and residents of selected European countries with supported identity documents.
Card and payments
- Type
- Virtual + physical
- Custody
- Custodial
- KYC
- Required
- Apple Pay
- Yes
- Google Pay
- Yes
Watchout
- Custodial platform account risk and collateral risk are central.
- Credit Mode can introduce borrowing and liquidation-style risk; read terms before use.
Fees and limits
| Issue | Virtual from $50 balance; physical requires $5,000+ assets and Gold tier |
|---|---|
| Monthly | No monthly fee stated |
| Annual | No annual fee stated |
| FX | As of 2026: weekday FX 0.2% in EEA/UK/CH and 2% rest of world; weekend 0.7% and 2.5%; reduced to zero Nexo FX at Gold and Platinum loyalty tiers (Mastercard network spread still applies) |
| ATM | Free monthly allowance by loyalty tier (roughly EUR 200 Base up to EUR 2,000 Platinum), then 2% (min about EUR/GBP 1.99) |
| Spend | Credit/debit mode costs depend on Nexo account, conversion and borrowing terms; Credit Mode borrow APR ranges roughly 0-13.9% by loyalty tier |
| Limits | Fee help lists up to EUR 60,000 monthly card transactions and up to EUR 10,000 daily, subject to app limits |
How it works
- Credit Mode and Debit Mode
- Virtual and physical cards
- Apple Pay and Google Pay activation flow
Pros
- Clearer public fee help than many crypto cards
- Useful for existing Nexo users who understand collateral risk
Cons
- Eligibility is limited to selected European countries
- Physical card has asset and loyalty-tier requirements
Risks / compliance notes
- Custodial platform account risk and collateral risk are central.
- Credit Mode can introduce borrowing and liquidation-style risk; read terms before use.
Official sources
Verified from official pages: Nexo Card product page
Data confidence
- Source checked
- 2026-06-22
- Data confidence
- High
- Review status
- Fresh
- Nexo fee pages tell users to refer to the app for the most current personal limits and fees.
Alternatives
4/5
Gnosis Pay
Self-custodial Visa debit card spending stablecoins from a Safe account.
Last checked: 2026-06-22
- EEA, UK and Swiss users who want self-custodial stablecoin spending
- Users comfortable managing a Safe smart account
RedotPay
Stablecoin-based card with clear issue fees and strict country exclusions.
Last checked: 2026-06-22
- Users in supported countries who want stablecoin-funded spending
- Comparing virtual vs physical card setup costs
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Related next steps
FAQ
Is Nexo Card a bank account replacement?
No. It is a specialized crypto card tied to a Nexo account. Keep emergency money in separate providers.
Can a crypto card replace a bank account?
No. Treat it as a specialized spending tool and keep regulated backup accounts for essential money.
What should I verify first?
Issuer support, KYC rules, custody model, spending fees, ATM costs, card network support and current reward terms.