Nexo continues to establish itself as a premier crypto wealth platform in 2025. Built for both new users and experienced investors, Nexo offers a powerful suite of services, including high-yield savings, flexible credit lines, and over 1,500 trading pairs. But how does it hold up in terms of fees, interest rates, and overall safety? Here’s a deep dive into everything Nexo has to offer.
Why Nexo Stands Out in 2025
Nexo isn’t just another exchange. It’s a full-featured digital asset platform designed to help users preserve, grow, and manage their crypto wealth. Whether through crypto-backed loans or a dual-mode card, Nexo blends ease of use with institutional-grade infrastructure. It’s available in over 150 countries and supports more than 500 cryptocurrencies for payments.
Fees Explained
Nexo takes a transparent approach to fees:
- Orders between $10 and $100: $0.99
- Orders between $100.01 and $250: $1.99
- Orders above $250.01: No fee
Free monthly withdrawals are available, depending on your loyalty tier. Network fees are waived for certain blockchains like Solana and Arbitrum. This makes Nexo competitive, especially for high-volume users.
Interest Rates on Nexo: Earn and Borrow
Savings rates on Nexo can go as high as 15% per year. Users can choose flexible savings or commit to fixed terms for higher yields. Interest compounds daily and users can opt to earn in-kind or in NEXO tokens for a rate boost.
Borrowing rates range from 2.9% to 18.9%, depending on your Loan-to-Value (LTV) ratio and loyalty level. The platform supports borrowing in both fiat and stablecoins. No credit checks or applications are required.
Loyalty Program
Nexo rewards users who hold more NEXO tokens with better benefits. The four loyalty tiers are Base, Silver, Gold, and Platinum.
To qualify for Platinum status, you must hold NEXO tokens equivalent to at least 10% of your total portfolio. This unlocks:
- Up to 7% on Bitcoin deposits
- Borrowing rates from just 2.9%
- Cashback rewards on swaps
- Extra free monthly withdrawals
However, holding NEXO tokens does come with market volatility risk.
Explore Flexible and Fixed Savings Options
Nexo provides both flexible and fixed savings plans. These are ideal for users looking to generate passive income on their digital assets. With over 60 supported assets, the platform allows users to earn up to 16% interest annually.
Choosing to receive earnings in NEXO instead of the original asset can further increase your rate. The Savings Hub makes it easy to manage terms and interest preferences. However, these features are not available in all jurisdictions, including the US.
Using Nexo’s Credit Line
Borrowing against crypto is seamless on Nexo. There are no credit checks, and funds can be borrowed instantly. Minimum loan amounts are $50 for stablecoins and $500 for fiat.
Key credit line features include:
- Up to 90% LTV, depending on asset
- Interest-only payments
- Real-time access to borrowing limits
- 18.9% interest if repaid within 45 days, regardless of tier
Users should carefully monitor market conditions to avoid liquidation if collateral drops in value.
Nexo Card: A True Dual Mode Experience
The Nexo Card is a standout feature. It lets users toggle between Debit and Credit Modes. In Debit Mode, balances earn up to 14% APY while remaining spendable. In Credit Mode, users borrow against assets without credit checks.
Key perks:
- Up to 2% cashback in NEXO
- No monthly or annual fees
- Integrates with Google Pay and Apple Pay
- Easy repayment options through the app
Unlike traditional crypto cards, Nexo offers more control without impacting your credit score.
What Is Nexo Booster?
Nexo Booster allows users to apply leverage when buying crypto. Up to 3x leverage is available. It uses the same mechanics as the Credit Line, letting you amplify your investment.
Booster fees are tiered:
- Below 50% LTV: 1%
- 50% to 60% LTV: 2%
- 60%+ LTV: 3%
You’ll also pay standard loan interest. Cashback of 0.5% is offered to help offset fees. Booster is not available in the US or Australia.
The Mobile App
The Nexo app is sleek, secure, and intuitive. It mirrors the full desktop experience and supports biometric login. Real-time portfolio tracking and direct access to trading, savings, and credit make it a complete tool for crypto users on the go.
Customer Support and Security
Nexo’s client care is available 24/7. In our test, setup issues were quickly resolved through live chat. The Help Center is detailed and user-friendly.
Security features include:
- Multi-factor authentication
- Insurance partnerships with Ledger Vault and Fireblocks
- Secure storage via AWS and Cloudflare
- Over-collateralization of loans
Nexo also operates under multiple global licenses, limiting feature access in restricted regions.
Who Should Use Nexo?
Nexo is a strong option for:
- Users who want to borrow against crypto without selling
- Crypto holders looking to earn passive income
- Investors seeking an all-in-one digital wealth platform
- Beginners who want simplicity and advanced users who want leverage
While it doesn’t offer as many crypto options as Coinbase, the integrated savings, credit, and trading tools give Nexo an edge.
Nexo vs Coinbase and Crypto.com
Compared to Coinbase, Nexo offers lower trading fees and built-in borrowing tools. Against Crypto.com, Nexo makes reward tiers easier to access. You only need to hold tokens, not stake them.
| Platform | Trading Fees | Unique Perks |
|---|---|---|
| Nexo | 0.2% maker/taker | Crypto loans, Dual Mode card |
| Coinbase | 0.4% maker, 0.6% taker | Staking, wide asset selection |
| Crypto.com | 0.075% maker/taker | Higher rewards, broad selection |
Is Nexo Worth The Hype?
Nexo offers a rare combination of accessibility, robust features, and strong security. From earning daily interest to using a crypto card with cashback, it provides tools for every level of investor.
Yes, it has some limitations depending on your region. But for those who can access its full suite, Nexo offers exceptional value. The loyalty program adds flexibility and incentives, and the platform has proven resilient through market cycles.
Disclaimer: Crypto investing carries risk. While Nexo offers advanced features and institutional-grade security, users should evaluate their own risk tolerance and understand the terms of service, including rehypothecation policies. Availability of features varies by jurisdiction.
