Overview

Dual-mode: debit (spend crypto) and credit (borrow against holdings). €20k/month, 0% FX.

Who Is It For?

Crypto holders wanting to spend without taxable sell events.

ATM Withdrawals

ATM depends on loyalty tier.

Bonuses & Perks

Nexo's unique value is the credit line against crypto holdings – borrow up to 50% of your Bitcoin or stablecoin value without selling. This avoids triggering capital gains tax. Crypto-back rewards (0.5–2%) paid on every purchase. Higher loyalty tiers unlock better rates on Nexo's savings products (up to 12% APY on stablecoins). The dual-mode card switches between debit and credit seamlessly.

Limitations

Requires crypto collateral. NEXO token rewards. Market risk.