It depends on the cloud drive and the encryption method used. If you encrypt the files on a cloud drive using client-side encryption, you will still be able to access the encrypted files directly on the cloud drive. In this case, the encryption is applied on your device, before the files are uploaded to the cloud drive. When you access the files on the cloud drive, you will need to decrypt them on your device before you can view or edit them.
If you use server-side encryption offered by the cloud drive provider, you will not be able to access the encrypted files directly on the cloud drive, as the encryption is applied on the server and you do not have the encryption keys. In this case, you will need to download the encrypted files to your device, decrypt them, and then access them.