What is the smartest way to maximize the Nexo sign-up bonus?

Deposit early (days 1 to 3) with a 10 to 15 percent buffer above your tier, route any trading you would do anyway through qualifying pairs, and if you plan to borrow, make your first Credit Line draw $5,000 or more in one transaction. That turns a $5 deposit-only outcome into up to $100 on the same $5,000.

Is it worth depositing more to reach the next Nexo bonus tier?

Only if the money was going into crypto anyway. The tiers are cliffs: $24,999 pays Tier 1 while $25,000 roughly doubles every payout. If you are near a boundary with funds already earmarked for crypto, crossing it is efficient. Moving extra money just for a bonus is not.

Should I take a Nexo Credit Line just to collect the borrow bonus?

No. The $70 Tier 1 borrow payout does not make a loan free; interest accrues and liquidation risk is real. Take the Credit Line only if a crypto-backed loan already serves a purpose, then collect the bonus by making the first draw $5,000+ in one transaction.

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Nexo deep dive

The same $5,000 pays $5 or $100. The difference is what you know.

Q: Do I have to do all three Nexo tasks to get a bonus?

No. Each task pays independently: the deposit alone pays $5 at Tier 1, the exchange task adds $25, and the borrow task adds $70. Do one, get one payout; do all three, collect the full tier amount.

Terms verified Jul 21, 2026 6 min read Pays in NEXO Token

Part of the Nexo series: Is Nexo safe? and Nexo bonus not paid: fixes

Nexo's welcome bonus arrives as three separate payouts, and the deposit, the only one most people complete, is the smallest of them. The same $5,000 pays $5 or up to $100 depending on what you do in your first 45 days. One principle governs all of it: never do anything just for the bonus, and never leave bonus money on activity you were doing anyway.

Deposit only, which is where most people stop$5
All three tasks, on the same deposit$100

Both are Tier 1 payouts on the same $5,000, paid in NEXO Token about an hour after Day 45.

Nexo Nexo sign-up bonus$5–$600 in NEXO Token · Worth it if Read the full Nexo guide →

Three payouts, and where the cliffs are

Each task pays independently: the deposit alone pays $5 at Tier 1, the exchange task adds $25, and the borrow task adds $70. The tiers are cliffs, not curves.

Your volume	Deposit	Exchange	Borrow	Your max
$4,999	$0	$0	$0	$0. Below the program
$5,000+	$5	$25	$70	$100
$24,999	$5	$25	$70	$100. Still Tier 1
$25,000+	$25	$50	$150	$225
$100,000+	$100	$250	$250	$600

The seven moves, ranked by money

Never split your first Credit Line draw. Only the first withdrawal earns the borrow payout, and it must be $5,000 or more in a single transaction. Two $3,000 draws pay $0; one $6,000 draw pays $70 at Tier 1.
Deposit in your first days, not on day 14. Your real deadline is Day 15, when your tier is snapshotted. Early deposits absorb slow transfers and give the clock nothing to take.
Overshoot your tier by 10 to 15 percent. You must hold the floor from Day 15 to Day 45, and an exact $5,000 in volatile coins is one red week from forfeit. Deposit $5,500 to $5,750, or hold stablecoins for the window, so a dip cannot forfeit it.
Route trades through pairs that count. Stablecoin-to-stablecoin and stablecoin-to-fiat swaps are invisible to the exchange task. The same $5,000 through crypto-to-crypto or crypto-to-fiat unlocks $25 at Tier 1.
Fund from your bank or wallet, never another Nexo user. One internal transfer disqualifies both accounts for the entire bonus, permanently. This outranks every optimization here combined.
Check the tier boundary before you fund. $24,999 pays Tier 1; $25,000 roughly doubles every payout. Cross a boundary only with money already earmarked for crypto.
Decide now: keep the token or convert it. The bonus lands as NEXO Token and moves in price from that second. Choose "hold" or "convert on arrival" before Day 45.

The efficient default. Deposit on days 1 to 3 with a buffer, route the trading you were doing anyway through qualifying pairs, and only borrow if a crypto-backed loan already serves a purpose. That alone turns the default $5 outcome into up to $100 on the same $5,000.

What will your deposit actually pay?

Planned deposit or volume ($)

You would collect $5 in NEXO Token, about an hour after Day 45

Paid in NEXO Token, which moves in price from the second it lands. Dipping below your tier floor before Day 45 forfeits the deposit payout, and the borrow payout needs a first Credit Line draw of $5,000+ in one transaction.

The anti-checklist

Do not deposit money you might need inside 45 days.
Do not take a loan you do not want for a $70 tip; interest and liquidation risk are real.
Do not move $100,000 to chase the $600 ceiling unless that allocation made sense at $0 bonus.

The payout is real, but it arrives in a volatile token, and the default outcome is $5, which is why the parent guide's verdict is "worth it if" you were already moving crypto.

Your 45 days, day by day

When	Do this
Days 0–3	Finish KYC, then deposit from your bank or own wallet, target tier plus a 10 to 15 percent buffer.
Day 15	Tier snapshot. From here, the only deposit rule is: stay above the floor.
By Day 45	Route qualifying trades whenever it suits your plan; make any first Credit Line draw $5,000+ in one transaction.
Day 45 +1h	Everything completed arrives in NEXO Token. Execute your keep-or-convert decision.

Maximizer FAQ

What is the single smartest sequence?

Deposit on days 1 to 3 with a 10 to 15 percent buffer, route planned trades through qualifying pairs during the window, and make any first Credit Line draw $5,000+ in one transaction. Same $5,000, up to $100 instead of $5.

Do I need all three tasks?

No. Each pays independently: $5 deposit, $25 exchange, $70 borrow at Tier 1.

Is stretching to the next tier worth it?

Only with money already headed into crypto. The cliff math is real: $24,999 pays $100 max, $25,000 pays $225 max.

Should I borrow just for the $70?

No. Interest and liquidation risk make a purposeless loan a bad trade for a $70 tip. Borrow if the loan serves you, then collect the payout correctly.

What order do the tasks go in?

Deposit first, it owns the only hard deadline (Day 15). Exchange and borrow fit anywhere before Day 45, in any order.

How we are paid: the button below is our referral link; your bonus is identical either way. It costs you nothing and does not change your bonus. Not available to New York residents.

Open with the referralSame bonus table, and it supports this site.

Read the full guideThe calculator, all three payouts, and the traps.

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Every one of these is read from the company’s own document and dated. See all 66 questions we have answered.