Overview

Switch between two payment modes in the app. Debit converts eligible Flexible Savings balances at purchase, following your chosen spending order. Credit opens a crypto-backed loan: interest and collateral risk remain until repayment. No monthly, annual or inactivity card fees. In eligible markets, Credit purchases can earn 0.5%–2% in NEXO or 0.1%–0.5% in BTC, depending on loyalty tier and a portfolio above $5,000; this is not a Debit reward. The European program covers selected EEA countries and the UK, subject to identity verification and local terms. Activation requires $50; ordering the physical version requires more than $5,000 and Gold tier or higher. FX costs depend on the transaction currency and increase on weekends; free ATM allowances depend on tier. Apple Pay and Google Pay are supported. Check your regional terms in the app before applying.