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Nexo Card review
Nexo
Nexo Card is issued by DiPocket UAB, and the Mastercard trademark notice in Nexo's footer indicates it runs on Mastercard. It has debit and credit modes; credit mode uses crypto in your account as collateral.
Pros
- Issuer DiPocket UAB disclosed
- Free virtual card, no monthly or annual fee
- FX fee only 0.2% within Europe
- Credit mode backed by crypto collateral
Cons
- European residents and documents only
- 2% FX outside Europe, 2.5% on weekends
- Physical card needs 5,000 USD in assets
0 USDIssuance
≥2.0%Total cost
2%FX fee
—Daily limit
Verdict: A low-cost option for Europeans; not available to anyone else.
Card overview
Fees
- Virtual issuance
- 0 USD
- Physical card
- 0 USD
- Monthly fee
- 0 USD
- FX fee
- 2%
- ATM
- 2% above the monthly free allowance (min 1.99 EUR/GBP)
Limits
- Bulk issuing
- Not supported
Card info
- Network
- Mastercard
- Issuer
- DiPocket UAB
- Website
- nexo.com
Funding
- Assets
- Stablecoins, Crypto, EURx, USDx, GBPx
- Arrival
- Debited from your Nexo account balance
Virtual card free; activation needs a 50 USD balance (not a fee); physical card free including shipping but requires Gold tier and >5,000 USD portfolio; FX fee weekdays EEA/UK/CH 0.2%, rest of world 2%, weekends 0.7% / 2.5%; no monthly, annual or inactivity fees; network inferred from the Mastercard trademark notice in the footer
Private clients (100k USD balance) get higher limits
Data basis: Transactions outside Europe (ROW)
KYC requirements
Documents and regions
- Mainland China residents
- Officially not eligible
- Restricted regions
- Everywhere outside the EEA, the UK and selected European countries
Official: only for citizens and residents of selected European countries (including the EEA and UK), with an identity document issued in the EEA, UK or another eligible European country
nexo.com · 2026-11-10
Fees are friendly for Europeans: the virtual card is free (activation needs a 50 USD balance, which is not a fee), there are no monthly, annual or inactivity fees, and weekday FX within the EEA, UK and Switzerland is just 0.2%. For most readers of this site, though, the key point is eligibility: officially it is only for citizens and residents of selected European countries (including the EEA and UK) with an identity document issued there, so residents of mainland China and other non-European regions cannot apply.
What 1,000 USDT buys
Open one virtual card, top up 1000 USDT once (1 USDT = 1 USD) and spend it over 10 purchases; spendable amounts at USD and non-USD merchants, on-chain gas excluded.
① Issuance fee: 0.00 USD
② Top-up fee: 1000 × 0% = 0.00 USD
③ Card balance: 1000 − 0.00 − 0.00 = 1,000.00 USD
④ Spendable at a USD merchant: 1,000.00 ÷ (1 + 0%) = 1,000.00 USD
⑤ Spendable at a non-USD merchant: 1,000.00 ÷ [(1 + 0%) × (1 + 2%)] = 980.39 USD
Total cost: USD merchant 0.00% / non-USD merchant 1.96%
② Top-up fee: 1000 × 0% = 0.00 USD
③ Card balance: 1000 − 0.00 − 0.00 = 1,000.00 USD
④ Spendable at a USD merchant: 1,000.00 ÷ (1 + 0%) = 1,000.00 USD
⑤ Spendable at a non-USD merchant: 1,000.00 ÷ [(1 + 0%) × (1 + 2%)] = 980.39 USD
Total cost: USD merchant 0.00% / non-USD merchant 1.96%
Who it suits
Suits: Crypto holders living in Europe with European ID
Not for: Residents of mainland China and other non-European regions
Checklist before you apply
- Check your residence: Mainland China residents are ineligible — see the alternatives below.
- Prepare documents: ask first whether your document type is accepted.
- Check the live fee preview in the app before opening.
- Use the right network: it must match the deposit page when withdrawing from an exchange.
- Start small: top up only enough for one purchase first, and confirm arrival, charges and refunds work before adding more.
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Related records: How cards exclude mainland China: official wording and contradictions.
FAQ
Can mainland China residents apply for Nexo Card?
No. Official: only for citizens and residents of selected European countries (including the EEA and UK), with an identity document issued in the EEA, UK or another eligible European country
How much does it cost to open a Nexo Card card?
Virtual card issuance 0 USD, physical card 0 USD, monthly fee 0 USD.
Can Nexo Card be used for Meta / Google / TikTok ads?
The issuer makes no specific statement on ad platforms; prefer a card that officially supports ad payments.
How much can I actually spend from 1,000 USDT on Nexo Card?
On official fees, about 1,000.00 USD at a USD merchant and 980.39 USD at a non-USD merchant (upper bound).
How can I top up Nexo Card?
assets: Stablecoins, Crypto, EURx, USDx, GBPx.
Affiliate linkOpen a Nexo Card card
A U-card is only for passing payments through: top up only what you will spend, and never keep a large balance on the card.