Nexo markets the card in selected European markets, including EEA and UK flows, but does not publish one complete permanent country list. Availability is controlled by residence, identity document, KYC and the Card screen in the account.
Checks before applying
Confirm that the Card tab appears, the delivery country is accepted and the issuer disclosure matches your region. Then choose Credit Mode only after reading collateral and borrowing terms, or Debit Mode only after understanding which asset is sold and the conversion shown.
Eligibility, costs and rewards
Nexo advertises up to 2% rewards, but the payout asset, loyalty tier and eligible transaction determine the actual rate. Free ATM and foreign-exchange allowances depend on tier and period; weekend or excess-use markups can apply. Apple Pay and Google Pay support does not override regional issuance. The European program is associated with Mastercard and DiPocket UAB disclosures.
| Check | Current condition | Reader action |
|---|---|---|
| Eligibility | Selected Europe; account-level approval | Check Card tab, address, ID and issuer |
| Credit Mode | Borrow against collateral rather than sell at authorization | Save LTV, interest and liquidation terms |
| Debit Mode | Sell supported assets for the payment | Save asset, rate, spread and tax record |
| ATM / FX | Tier allowances and excess or weekend charges | Check the current app fee table |
| Rewards | Up to 2%, not guaranteed for every account or purchase | Save tier and payout asset |
Decision path
Product regions, fees and reward terms can change. Reopen the official page and live app immediately before applying, funding or spending.
Do not deposit if the card is unavailable.
Price borrowing or asset sale separately.
Reconcile balance, fee, reward and statement.
Records to keep
- Country, address, identity document and KYC status
- Issuer, Mastercard disclosure and card tier
- Credit LTV and interest or Debit sale details
- ATM allowance, FX row, reward and settled statement
FAQ
Is Nexo Card available in every EEA country?
Do not assume that. Nexo uses selected-market and account-level eligibility; confirm the live Card tab, residence and accepted identity document.
What is the difference between Credit and Debit Mode?
Credit Mode borrows against crypto collateral, while Debit Mode sells supported assets for the payment. The risk and tax trail are different.
Does every purchase earn 2%?
No. Nexo says up to 2%; loyalty tier, payout asset and transaction eligibility control the actual reward.
Are ATM and FX always free?
No. Free allowances depend on tier and period, and excess, weekend or ATM-operator charges can apply.
Official sources
Product regions, fees and reward terms can change. Reopen the official page and live app immediately before applying, funding or spending. Checked July 16, 2026.