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Fees and rates
What you actually pay for: swaps, card top-ups, cash withdrawals, spreads, network fees and currency conversion.
How to Avoid Airport Currency Exchange Markup When TravelingAirport exchange counters charge wider spreads than city offices. A card that converts at payment removes the need to pre-buy cash at inflated rates.
How Exchange-Rate Spreads Actually Work: Card Network Rate vs P2P Rate vs OTC RateA spread is the gap between buy and sell prices. Compare how card networks, peer-to-peer trades, and OTC desks set rates, and why final cost varies.
Splitting Travel Costs with a Group: Crypto Wallet vs Traditional MethodsA comparison of methods for splitting shared expenses among a travel group, from traditional payment apps to crypto wallet transfers.
Step by Step: Withdrawing Cash Abroad with the Lowest FeesAvoid surprise ATM fees abroad by checking operator charges, declining dynamic currency conversion, and withdrawing larger amounts less often. Step-by-step…
Dynamic Currency Conversion at the ATM: The On-Screen Choice That Costs You MoreDynamic currency conversion offers to charge you in your home currency at the ATM, but the exchange rate is typically worse than your card network's rate. How…
Why Do Crypto Prices Change? A Beginner's Guide Before Funding a CardCrypto prices move based on supply and demand on exchanges, and markets trade continuously. Learn why this matters before funding a card from a crypto wallet.
What Happens When a Merchant Charges in a Different CurrencyWhen a merchant charges in a currency different from your wallet balance, the card network converts the amount at the point of transaction, just like any…
Network Fee, Spread, and Service Fee: What You're Actually Paying ForA glossary of the three main fee types in crypto payments and why the same action can cost different amounts on different platforms.
How Network Congestion Affects Transaction Speed and FeesWhy crypto fees and confirmation times spike during busy periods. Understand blockchain capacity, congestion, and how to choose networks.
Why Some Purchases Don't Count for Cashback: Merchant Category Codes ExplainedMerchant category codes determine which transactions qualify for cashback. A store's assigned code reflects its primary business, not every individual item…
What If the Exchange Rate Changes While Your Payment Is Processing?Card transactions lock in the conversion rate at authorization, not settlement. Here's what happens if the exchange rate moves while your payment is processing.
Which network is cheapest for depositing USDT, and how to chooseTRC-20 and BEP-20 usually cost much less than ERC-20 to send USDT. See how network fees work and how to choose a network without losing funds.
How Much Does It Cost to Withdraw Cash Abroad with a Crypto Card?Cash abroad with a crypto card: 0.1% to load the card plus 0.25% per ATM withdrawal, plus any ATM-owner fee. Worked example on 1000 USDT inside.
How to check a fee before you pay it: swaps, card, ATM and network transfersCheck a fee before you confirm: read the swap preview, know fixed card and ATM rates, read the ATM screen, and refuse home-currency conversion abroad.
How much cashback can you earn on a crypto card, and how is it calculated?Crypto card cashback runs 4% on up to five chosen categories, 7% with a Business card and 10% on one boosted category. See how it's calculated.
What happens to your wallet balance when the crypto price dropsStablecoin balances are designed to hold their dollar value, while BTC and ETH move with the market. Here is what a price drop means for your wallet.
How to avoid losing money to a bad exchange rate when paying abroadPay in the local currency, skip airport exchange counters and check the rate before you confirm. Here is how to keep conversion costs low abroad.
Can you pay a visa or document fee online with a crypto card?Yes, if the government portal accepts your card network and the card has enough balance. Here is what to check before paying a visa or document fee online.
How to Pay a Booking Deposit or Prepayment Online with a Crypto CardTo leave a deposit with a crypto card, fund it first, check that the balance covers any hold, and know how refunds work. Read the step-by-step guide.
What is a gas fee, and why am I paying a network fee?A gas fee is what a blockchain charges to confirm your transfer. Here is why it changes, why Ethereum costs more than Tron or BNB Chain, and how to pay less.
How to Read a Crypto Price Chart: The Basics for BeginnersA crypto price chart plots price over time: read the axes, the direction and the daily change. A beginner's guide, general information, not advice.
Why network fees rise and fall through the dayNetwork fees follow demand for block space: they rise when many people transact and fall in quiet periods. Here is how it works and how to pay less.
What fees add up when you pay by card abroadPaying by card abroad: which fees really apply — purchase, card loading, currency conversion, ATM and hidden markup — and how to avoid the extra ones.
How the card network sets its conversion rate abroadAbroad, the card network converts a payment at its own rate at the time of the transaction. Learn how it works and how to avoid a worse terminal rate.
Swap rate shown before you confirm: will you see what you get?Yes: in a Nexus Pay wallet swap the amount you receive is shown before you confirm. Here is what that figure means, and what can still change with the market.
How to Keep Your Travel Money Separate From Your Everyday MoneyLoad a fixed trip amount onto a card, keep the rest in the wallet, top up as needed and review the spending afterward. Here is how the split works.
Crypto card fee myths: what you pay and what you don'tCard purchases can be 0%, but loading and ATM withdrawals cost something. Here are the crypto card fee myths that are wrong, with a worked example.
How to get into the habit of checking fees and exchange ratesBuild the habit of checking fees and exchange rates: a short routine for swaps, card payments and ATMs, with the fixed figures worth memorising.