Loading a crypto card works differently from paying straight from a wallet. This article explains what the transfer does, what it costs, and how to keep control of your money afterwards.
Published September 30, 2026 · 2 min read
It sets aside a portion of your money as spendable balance on the card. Before the transfer, your funds sit in the wallet as USDT, USDC, BTC or ETH. After it, the amount you chose is available to the card for purchases. The rest of the wallet is untouched, so you decide how much is exposed to everyday spending.
The fee is 0.1% of the amount you move. On the fee page's example, 1000 USDT moved to the card becomes $999.00. That is the whole cost of loading: card purchases are 0%, and there is no monthly fee on the card. Cash is a separate step: an ATM withdrawal adds 0.25% per withdrawal, and the ATM owner may add its own fee, shown on the ATM screen before you confirm.
| Stage | Where the money is | What you can do | Cost |
|---|---|---|---|
| Wallet balance | In the wallet as USDT, USDC, BTC or ETH | Hold, deposit, swap coins, move to card | Swaps 0% |
| Card balance | Set aside on the card | Pay online, contactless or at tills; spend only this balance | 0.1% to load; purchases 0% |
| ATM cash | Withdrawn from card balance with a physical card | Take cash out | 0.25% per withdrawal, plus any ATM-owner fee |
The 0.1% pays for the act of moving money onto the card, not for spending it. Once the balance is on the card, paying in a shop or online costs 0%. This means your total cost depends mostly on how often and how much you load, not on how many purchases you make. Loading in a few sensible amounts is usually easier to track than loading small sums constantly.
The card spends only the available balance. It has no credit and no overdraft, so it cannot borrow against your wallet or pay beyond what you loaded. If a purchase is larger than the card balance, the shortfall is not covered automatically; you need to move more from the wallet first. This is a useful limit: the most the card can spend is the amount you deliberately set aside.
Yes. Unused card balance can be moved back to the wallet, so you do not have to commit funds to the card for good. That lets you keep most of your value in the wallet and load the card only for what you expect to spend. In Nexus Pay, the wallet is also where you can swap coins at 0% with no markup, and the amount you receive is shown before you confirm.
Load roughly what you plan to spend in the near term. A smaller card balance limits exposure if the card is lost, and it can be frozen or unfrozen in the app in one tap. If you plan to withdraw cash, remember the ATM fee is charged per withdrawal: one larger withdrawal costs less than several small ones for the same total. On the fee page, 1000 USDT withdrawn at an ATM leaves $996.50 before any ATM-owner fee.
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