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Penchan
🇬🇭 Ghana

Pick the country on your KYC ID

Asia Pacific

Europe / Middle East / Africa

Americas / Oceania

Nexo Card

Spend in Credit Mode without selling your crypto first

Ghana: not available

Nexo Card card art

Features

  • 🔄 Credit and Debit Mode
  • 🏦 Platform account
  • 🏷️ Debit card

Cashback & fees

How to get it: US$5,000 or more in Nexo assets 🔗

Cashback
0.5%
Credit Mode only · Paid in NEXO; 0.1% if you pick BTC · Up to US$50 cashback a month
FX fee
Not published
FX fee 2% (2.5% on weekends) + Debit Mode conversion cost (not published); 0.2% for EEA, UK and Swiss currencies (0.7% on weekends)
Annual fee
US$0
Other fees
Credit Mode interest
1.9%⁠–⁠17.9% a year, by tier and loan-to-value (LTV)
Issuer
DiPocket UAB

See how much you could earn

Drag to see your cashback each month! FX fees are not deducted here.

US$800
US$200US$5,000

—/ month

About — cashback a year

Plan: Base The estimate assumes Credit Mode spending, with cashback paid in NEXO.

Works with

  • Apple Pay Not yet verified
  • Google Pay Not yet verified
  • ChatGPT subscription Not yet verified
  • Claude subscription Not yet verified

Spend it in these places

  • Ghana

How to apply

Ghana: applications are not open

Know before you apply

  • Credit Mode is a loan against your crypto: a price drop can trigger liquidation. 🔗

  • The conversion cost when Debit Mode pays from crypto is not published. 🔗

  • Nexo's Earn and Borrow services are not deposits and have no deposit insurance. 🔗

  • : Whether physical cards can be ordered is unclear: the help center says orders are paused, while support says they have reopened. 🔗

  • : California's financial regulator fined Nexo US$500,000 for lending without a license. 🔗

  • : The US SEC said Nexo's interest product was unregistered; Nexo agreed to pay a US$22.5M penalty plus US$22.5M to the states. 🔗

Notes

Checked: 2026-10-14 · Compiled and cross-checked with the help of Claude, ChatGPT, Grok and Gemini · Unpublished details follow the Taiwan programme · Spotted a mistake? Let us know

"Available" still means passing the issuer's identity check. Rates, yields and promotions follow the official announcements and can change at any time.

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