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Nexo is a crypto-finance platform (est. 2017) that offers instant crypto-backed loans, interest-earning accounts and a spendable Nexo Card. It targets retail and institutional crypto holders across the EU with on‑ramp/off‑ramp, custody and loyalty perks using the NEXO token.

Founded2017

Best forCrypto holders seeking loans, yield on assets and a card to spend crypto-backed funds

Price range–

Ships toEuropean Union

DeliveryDigital services are available instantly; physical Nexo Cards ship where supported and require account verification.

PaymentBank transfer · Debit/Credit card · Cryptocurrency deposits

Highlights

⚡Instant crypto loansBorrow fiat or stablecoins immediately using your crypto as collateral — credit lines activate quickly without lengthy credit checks.

📈Earn on cryptoInterest-bearing accounts pay yield on BTC, ETH, stablecoins and fiat with optional higher rates for NEXO token holders and loyalty tiers.

💳Nexo Card spendingA physical/virtual card lets you spend crypto value with cashback and flexible repayment options tied to your account balance.

Details

Services overview

Nexo bundles several crypto financial services: instant crypto-backed loans, buy/sell crypto on‑ramp, custodial wallet services and interest-bearing accounts. The platform emphasizes fast funding and flexible terms, and offers web and mobile apps so users can manage collateral, withdraw fiat, or swap assets without leaving their dashboard.

Security & custody

Nexo uses custodial storage with institutional-grade partners, insurance protections on custodial assets (subject to policy limits) and standard security controls like 2FA. It’s a centralized service — custody and counterparty risk remain factors to consider when depositing large sums.

Cards & payments

The Nexo Card (virtual and physical) converts available crypto or fiat credit line into spendable funds with instant cashback and card benefits based on loyalty status. Card issuance and shipping depend on your country; activation requires account verification and adherence to regional compliance rules.

Verdict

What we like

Fast, low-friction crypto-backed loans without credit checks
Competitive yield options and loyalty boosts for NEXO token holders
User-friendly web and mobile apps with multiple fiat on/off ramps
Card product for spending crypto value with cashback

Worth knowing

Centralized custody and counterparty risk compared with noncustodial solutions
Some features, card issuance and availability vary by jurisdiction
Fees or conversion spreads can apply for certain fiat/crypto operations

FAQ

Does Nexo ship a physical card to EU customers?

Yes — Nexo issues physical and virtual cards in supported countries, including many EU jurisdictions. Card ordering, delivery times and eligibility depend on your verified account status and local availability. Check your account dashboard or Nexo support for shipping options and current regions.

Can I cancel or return services if I change my mind?

Digital financial services themselves aren’t ‘returned’ like goods. You can repay loans, close positions, withdraw assets (subject to compliance and settlement), and cancel card orders if still in processing. Contact Nexo support immediately for specific cancellation or card return requests.

Are there discounts, loyalty or referral benefits?

Yes — Nexo’s loyalty program and holding NEXO tokens typically improve interest rates, reduce borrowing costs and increase cashback levels. There’s also a referral program that can grant bonuses to both referrer and referee when conditions are met. Availability and terms vary by region.