Nexo
Nexo is a crypto card issued on Mastercard, rated 9.0/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Nexo is the strongest fit for all-rounder and AI subscriptions, and asks for ID + proof at signup — we carry it at low-medium risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Nexo · Crypto Card |
| Official site | https://nexo.com |
| Best for | All-rounder · AI subscriptions |
| Network | Mastercard |
| Rating | 9.0/10 (4.5★, 783 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | 0 (virtual card instant activation) |
| Monthly / annual fee | 0 (no monthly/annual/inactivity fee) |
| Top-up (deposit) fee | 0 |
| Minimum deposit | $50 minimum account balance to activate virtual card |
| FX / conversion fee | 0.2% ··· |
Verification and risk
| KYC required | Yes ··· |
| Risk level | Low-Medium |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | Yes (20+ blockchain funding; USDT/USDC/ETH/SOL etc.) |
| Bank transfer | Yes (USD/EUR/GBP bank account) |
| Alipay / WeChat Pay | no |
| Cards per account | Multiple |
Billing
| Billing address | EEA/UK |
| Billing country | EEA / UK / Switzerland + Argentina (not US, CN, KP) |
Platform compatibility
| ChatGPT | Yes |
| Claude | Yes |
| Midjourney | Yes |
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes (Apple Pay/Google Pay) |
| Meta / Google Ads | No |
| AI tools noted | ChatGPT / Claude / Midjourney |
What the issuer states on its own site
- Spend without selling your digital assets and get up to 2% cashback with the Nexo Card.
- Open an account and earn up to 15% annually on your digital assets.
- After you create your account, you need to buy or transfer crypto, opt in for interest earning via the Nexo app, and maintain an account balance above $5,000 worth of digital assets.
- Available to individual clients and family offices with $100,000 in digital assets, Nexo Private offers tailored onboarding, a dedicated relationship manager, high-limit OTC trading, bespoke credit, and other exclusive benefits.
- Enjoy daily interest earnings, lower borrow rates, crypto cashback on purchases, and many more premium benefits.
Source: https://nexo.com.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 230655 | Mastercard | EEA (Europe) | Debit | 107 | 77 | 72.0% |
We logged 77 cleared charges out of 107 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Mastercard virtual cards
Frequently asked
What does Nexo cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is 0 (no monthly/annual/inactivity fee); loading it carries no top-up fee; conversion is priced at 0.2% (EEA/UK weekday), 0.7% (EEA weekend), 2% elsewhere weekday, 2.5% elsewhere weekend; you need $50 minimum account balance to activate virtual card to get going. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Nexo?
Nexo asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (Full KYC: ID + proof of address; EEA/UK/CH eligible, US excluded)
How can I fund Nexo?
You can fund it with crypto (20+ blockchain funding; USDT/USDC/ETH/SOL etc.), bank transfer (USD/EUR/GBP bank account). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Nexo need?
Setting it up: the billing address type is EEA/UK; cards are issued against EEA / UK / Switzerland + Argentina (not US, CN, KP); an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Nexo work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Claude, Midjourney, Netflix and Spotify, the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Nexo trigger 3-D Secure?
Yes. Nexo supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Nexo?
Nexo allows more than one number per account rather than a fixed count, and the issuer's own wording is: Multiple. Multiple numbers under one account is the practical pattern here, so a single merchant block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.