How does the Nexo loyalty tier system work?

Nexo has 4 tiers: Base, Silver, Gold, Platinum. Your tier is determined by the ratio of NEXO tokens in your portfolio vs total assets. More NEXO = higher tier = higher BTC cashback (up to 2%).

Is the Nexo card available in the UK?

The Nexo card is available in the UK but the cashback feature is disabled for UK residents due to regulatory restrictions.

What is the minimum portfolio required for Nexo card?

A minimum portfolio of $5,000 in your Nexo account is required to use the card's cashback features.

Does the Nexo card require staking?

No staking is strictly required, but holding NEXO tokens in your portfolio improves your loyalty tier and cashback rate (up to 2% BTC vs 0.5% at Base tier).

Nexo

4.2/5Up to 0.5% cashback1 card

The Nexo card stands out for its BTC cashback (up to 2%) without requiring third-party token staking, provided you hold a Nexo portfolio of at least $5,000. The 4 loyalty tiers (Base, Silver, Gold, Platinum) are determined by the crypto/NEXO ratio in your portfolio.

Official website Full review

Gold (représentatif)

Nexo Card

72/ 100

Very reliable

Trust score, 72/100

Age8 yrs

RegulationMiCA / FCA

Trustpilot3.5/5

AUMMedium ($1-10B)

Cashback0.5%

Annual feesFree

Staking requiredNot required

NetworkMastercard

🇫🇷🇩🇪🇪🇸🇮🇹🇬🇧beat🇵🇹

See offer Details

Best without staking

Nexo Card

Nexo · Mastercard

4.2

Max cashback,

Staking required✓ Not required

Annual feesFree

BTC cashback without requiring third-party token staking

Attractive interest rates on crypto deposits (up to 16% APY)

Updated June 2026Read the review →

Strengths

BTC cashback without requiring third-party token staking
Attractive interest rates on crypto deposits (up to 16% APY)
No foreign exchange fees up to €20,000/month
Access to crypto-backed loans without selling assets
Clean interface and well-designed app
Platinum tier: up to 2% BTC cashback

Weaknesses

Minimum $5,000 portfolio required to activate the card
Cashback disabled for UK residents
Best rates depend on NEXO ratio in portfolio
ATM withdrawal fees beyond the monthly quota
NEXO token needed to reach the highest tiers

Why choose Nexo ?

Nexo is the ideal choice for crypto holders who want their assets working while they spend. The card lets you borrow against your portfolio without selling, while still earning interest on your holdings. A yield-oriented solution for the DeFi-curious who want to optimise liquidity without triggering taxable events.

About Nexo

Founded

2018

Switzerland

Regulation

FINMA (Suisse)

Our verdict, Nexo

Note: Nexo cashback is disabled for UK users (regulatory restriction). For EU users, a minimum $5,000 portfolio is required. Beyond these conditions, the card offers one of the most direct BTC cashback propositions on the market.