Crypto card fee myths: what you pay and what you don't

Does a crypto card charge a fee on every purchase?

No, that is the most common myth. On Nexus Pay, card purchases are 0%, so paying at a shop does not add a percentage on the purchase itself. The card also has no monthly fee ($0). What you pay comes from other steps: moving money onto the card, withdrawing cash, and, in some situations, choices you make at the terminal. Separating these steps is the easiest way to see what a card really costs.

Is moving money from the wallet to the card really free?

Not entirely. Moving money from the wallet balance to the card costs 0.1%. On the fee page's example, 1000 USDT moved to the card becomes $999.00. That is a small, predictable charge, and you see it before you spend anything. Note that a card also has one-time issue costs: 5 USDT for Signature, 25 USDT for Business, and 99 USDT for the physical card including delivery.

Are ATM withdrawals the expensive part?

They are the costliest step, but the amounts are stated up front. The wallet charges 0.25% per ATM withdrawal. In the fee page's example, 1000 USDT withdrawn at an ATM leaves $996.50 before any ATM-owner fee. The ATM's owner may add its own fee, and it is shown on the ATM screen before you confirm, so you can cancel if it looks too high. Because the fee is charged per withdrawal, one larger withdrawal costs less than several small ones for the same total.

Do network fees apply when I pay by card?

No. A network (blockchain) fee applies to deposits and sends, not to card purchases. This is a frequent mix-up: people see a blockchain fee when topping up a wallet and assume it repeats every time they pay. Two rules also save money and trouble. Each deposit address belongs to one network, and a coin sent through a different network will not arrive and cannot be reversed. Every network also has a minimum deposit shown in the app, and smaller deposits are not credited.

What is DCC and why does it add a hidden markup abroad?

DCC stands for dynamic currency conversion. When a terminal abroad offers to charge you in your home currency, accepting adds a hidden markup. It looks convenient, but the conversion happens on the merchant's terms. You can avoid it by choosing the local currency when asked. That is a habit rather than a card feature, and it matters with any card, crypto or not.

Which fee myths should I stop believing?

Here is the short version, with each myth set against what is true:

• Myth: every purchase costs a percentage. Fact: purchases are 0%.
• Myth: the fees are hidden. Fact: the ATM-owner fee appears on screen before you confirm, and the swap amount is shown before you confirm.
• Myth: network fees repeat at every payment. Fact: they apply to deposits and sends.
• Myth: swapping inside the wallet costs extra. Fact: it costs 0%, at the exchange rate with no markup.

Common questions