Fees, Spending Limits & Taxes

Fees & Tax considerations when using your Nova x Mercuryo Debit Card

List of Fees

Below is a non-exhaustive list of fees associated with your Nova x Mercuryo Debit Card:

Description	Details
Online (E-commerce) transactions	Free
POS Transactions	Free
Card Creation	Free
Top-up Fee	1.5% (3 EUR minimum)
Monthly fee	1 EUR**
Declined transactions	0.3 EUR
Chargeback fee	50 EUR

** If the card is inactive for 3 consecutive months, a 1 EUR fee is applied per month. If the balance of the card is below 1 EUR, the card cannot pay the 1 EUR fee, so the remaining balance will be charged as the fee, and the card will be closed immediately.

Spending Limits

Type	Limit
Monthly card transaction limit	40000 EUR
Daily card transaction limit	10000 EUR
Single card transaction limit	5000 EUR
Top-up limit	2500 EUR

Tax Considerations

Each tax jurisdiction classifies cryptocurrency differently. Depending on your country of tax residency, you may be required to report gains or losses from the use of your Debit Card, or other information, on your tax return.

Please consult your tax advisor to evaluate how your use of the Debit Card affects your specific tax situation.

The Nova Wallet team cannot provide you with tax advice.