- Nexo will implement new Flexible and Fixed-term Savings rates starting November 24, 2025, with adjusted yields across multiple digital assets.
- A new minimum earning balance of $500 per asset will be required to generate interest in both savings products.
- Existing fixed-term contracts will maintain current bonus rates until maturity but will receive updated Flexible Savings rates from November 24.
- Balances placed in Limit and Trigger Orders will no longer earn interest while orders remain pending execution.
- The changes apply to clients in the European Economic Area as the platform adapts to evolving market conditions.
Nexo announced significant changes to its savings products for EEA customers, set to take effect on November 24, 2025.
According to the company’s official blog post, the modifications respond to adjustments in global markets and central bank rates, aiming to maintain long-term value for clients while ensuring product sustainability.
Rate Structure Changes
The cryptocurrency lending platform will implement new Flexible Savings rates on November 24, with existing balances continuing to earn at current rates until that date.
For Bitcoin (BTC), the Flexible Savings rate will decrease from 4% to 3.5% annually for Platinum Tier members earning in kind, according to examples provided by Nexo.
Existing Fixed-term Savings contracts will retain their current bonus rates until maturity, though the underlying Flexible Savings rate will change on November 24.
New fixed terms created after this date, including automatic renewals, will reflect both updated Flexible Savings rates and revised Fixed-term Savings bonus rates where applicable.
Nexo provided a specific example: a twelve-month NEXO Token fixed term created before November 24 will earn 11% annually (3% Flexible + 8% Fixed-term bonus) from November 24 until maturity. Upon automatic renewal, the rate drops to 9% annually as the Fixed-term bonus decreases to 6%.
Minimum Balance Requirements
The platform will introduce a $500 minimum earning balance per asset to qualify for interest in both Flexible and Fixed-term Savings.
Nexo stated it will take a snapshot of all supported assets at the $500 reference value on November 24, 2025, with updates occurring on the 15th of each month thereafter.
“To earn interest from both Flexible and Fixed-term Savings on the same asset, you must meet the minimum earning balance for your holdings in both Flexible and Fixed-term Savings separately,” Nexo explained in its announcement.
Fixed terms below the new thresholds created before November 24 will continue earning interest until maturity but will not automatically renew, even if that feature was previously enabled.
New fixed terms created after the implementation date will only be available for amounts exceeding the minimum earning balance.
Additional Product Changes
Wealth Vaults rates will automatically update to reflect the new BTC Flexible Savings rate, while Fixed-term Savings rates for Wealth Vaults remain unchanged. Nexo also confirmed that balances placed in Limit and Trigger Orders will cease earning interest while orders await execution.
The platform maintains that clients must meet a minimum portfolio balance of $5,000 across their Nexo account and activate the Earn interest opt-in feature from account settings to participate in the savings program.
Nexo, which has operated since 2018, reports paying over $1.5 billion in interest to date. The company positioned these changes as part of staying competitive within an evolving market landscape while aligning with global trends.
The adjustments affect only clients residing in the EEA, according to Nexo’s announcement. The platform’s Client Care team remains available to address questions regarding the transition.
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