Nebeus Card

About Nebeus

Nebeus is a Barcelona-based fintech platform that bridges traditional banking with cryptocurrency services, offering multi-currency accounts, crypto-backed loans, and globally-issued payment cards. Founded in 2014 by Sergey Romanovskiy and Konstantin Zaripov, the company originally launched as a peer-to-peer crypto lending platform before pivoting to centralized crypto-backed lending services in later years.

The platform has raised funding through multiple rounds, including a €1 million equity crowdfunding campaign on Seedrs in 2020 with backing from the UK Future Fund (British Business Bank). In 2024, Nebeus secured €250 million in institutional funding specifically for its crypto-backed loan program. The company has also completed additional crowdfunding rounds on Republic Europe, raising €3.6 million from over 430 backers. Total funding is estimated at over $270 million across various rounds, with an enterprise valuation reported at approximately $55 million.

Nebeus is registered with the Bank of Spain under registration number D664 as a Virtual Asset Service Provider (VASP) for custody services and exchange of digital assets. Additional regulatory authorizations include Argentina's CNMV as a VASP (registration 93). The company operates under Spanish entity Rintral Trading S.L.U., headquartered at Carrer de la Llacuna, 11, Barcelona, with additional offices in London.

The platform claims over 100,000 users and maintains a 4.3 rating on Trustpilot. In 2024, Nebeus reported 6× revenue growth, demonstrating strong momentum. The company's mission is to make crypto a mainstream payment method by empowering freelancers, businesses, and digital nomads with seamless crypto-to-fiat financial tools.

Strategic partnerships include SDK.finance for core banking infrastructure, BitGo for institutional-grade custody ($64 billion assets under custody), and Lloyd's of London syndicate for $250 million cold storage insurance.

Nebeus Card Overview

The Nebeus Card is a globally-issued Mastercard debit card that enables users to spend both cryptocurrency and fiat currencies at over 90 million merchants worldwide. Available in both physical and virtual formats, the card converts crypto to fiat automatically at the point of sale, eliminating the need for manual pre-conversion or card top-ups.

The card is issued by Quicko Sp. z o.o., a licensed financial institution registered in Poland (REGON Business ID No. 142004870), which handles card issuance and transaction processing. Users manage the card through the Nebeus platform and mobile app.

Nebeus Card supports spending from over 30 cryptocurrencies and stablecoins, along with EUR and GBP fiat currencies. The instant conversion feature means users can hold their preferred assets and only convert at the moment of purchase, maximizing holding time and avoiding unnecessary conversions.

Virtual cards can be activated instantly with a single tap, allowing immediate spending via mobile devices without waiting for physical card delivery. Physical cards are shipped after ordering through the Nebeus app.

Fees & Pricing

Fee Type	Amount
Card Issuance	Free
Monthly Fee	Varies by plan
Crypto-to-Fiat Conversion	~2.15%
Foreign Exchange Fee	0%
ATM Withdrawal Fee	1-2%
Card Spending Fee	1-2% per transaction

Note: Nebeus does not charge deposit or withdrawal fees for crypto assets. Fiat withdrawals incur standard banking fees (e.g., €1-5 for SEPA transfers). A 2% origination fee applies to crypto-backed loans.

Transaction Limits

Limit Type	Amount
Daily Spending	€10,000
Daily ATM Withdrawal	€600-€2,000 (varies)
Monthly ATM Withdrawal	€2,000 (EUR/USD/GBP)

Supported Assets

Cryptocurrencies (30+): Bitcoin (BTC), Ethereum (ETH), Ripple (XRP), Litecoin (LTC), Bitcoin Cash (BCH), Avalanche (AVAX), Polygon (MATIC), Dogecoin (DOGE), Cardano (ADA), Chainlink (LINK), Uniswap (UNI), Stellar (XLM), Algorand (ALGO), Aave (AAVE), Fantom (FTM), The Sandbox (SAND), The Graph (GRT), Chiliz (CHZ), Tezos (XTZ), EOS (EOS), 1inch Network (1INCH), ApeCoin (APE), Celo (CELO), SHIBA (SHIB), PEPE, Floki, Bonk, and more.

Stablecoins: Tether (USDT), USD Coin (USDC), Euro Coin (EUROC), Binance USD (BUSD)

Fiat Currencies: EUR (Euro), GBP (British Pound)

Crypto-Friendly IBAN Account

Nebeus provides users with a personal European IBAN account (EUR) and UK Sort Code & Account Number (GBP), enabling seamless crypto-to-fiat withdrawals via SEPA transfers. This allows users to receive payments, withdraw crypto earnings to traditional banking rails, and connect Nebeus to existing bank accounts.

Crypto-Backed Loans

Nebeus offers multiple loan types secured by cryptocurrency collateral:

Loan Type	LTV	Features
StableLoan	Up to 95%	Stablecoin disbursement, monthly interest payments
Flexible Loan	Up to 70%	Monthly principal + interest, up to 36 months
Bullet Loan	Up to 70%	Single payment at term end
Interest Only	Up to 70%	Monthly interest, principal at maturity
Mirror Loan	Varies	Nebeus matches your BTC deposit to double position

• Loan amounts: Up to €20 million for businesses
• Interest rates: 4.9%-14.5% APR depending on loan type
• No credit checks required
• No-KYC loans available up to $500
• Collateral custody: BitGo with $250M insurance (Lloyd's of London)
• Automatic margin call management available

Earning Programs

Crypto Renting:

• Earn up to 13% APY by renting crypto to Nebeus
• Lock periods up to 4 months
• 21+ cryptocurrencies supported
• Rewards paid in any cryptocurrency of your choice
• Assets used for internal loan liquidity (no third-party rehypothecation)

Staking:

• Earn up to 7.5% RPY (Rewards Per Year)
• 21+ cryptocurrencies supported
• No lock-up periods—unstake anytime
• Monthly rewards payout
• No minimum or maximum deposit limits

Additional Features

• Invoicing: Create and send invoices in crypto and fiat globally
• Crypto Exchange: Buy, sell, and swap 25+ cryptocurrencies with low fees
• Mass Payouts API: Streamline high-volume payments for businesses
• Insured Cold Storage Vault: $250M insurance coverage via Lloyd's of London
• Business Accounts: Corporate crypto & IBAN accounts with mass payout capabilities
• Exchange Widget: White-label widget for websites to enable crypto purchases

Card Issuer & Security

The Nebeus Mastercard is issued by Quicko Sp. z o.o., a licensed financial institution registered in Poland. Nebeus (Rintral Trading S.L.U.) is registered with the Bank of Spain (D664) as a VASP and cryptocurrency custodian.

Security features include:

• BitGo custody for crypto assets ($64B under custody industry-wide)
• $250 million insurance policy via Lloyd's of London
• PCI DSS Level 1 compliance (via SDK.finance platform)
• ISO 27001:2022 information security standards
• Segregated client funds

Geographic Availability

Nebeus operates globally with primary focus on:

• European Union (via Bank of Spain registration)
• United Kingdom (UK Sort Code accounts)
• Argentina (CNMV VASP registration)

The Mastercard can be used at 90+ million merchants worldwide wherever Mastercard is accepted. IBAN accounts are available for EUR, and UK Sort Code accounts are available for GBP.

Excluded regions typically include sanctioned countries and jurisdictions without VASP frameworks.

Ideal For

• Freelancers receiving payments in crypto or fiat
• Digital nomads requiring multi-currency access
• Crypto holders wanting to spend without selling
• Businesses needing crypto payroll and treasury management
• Investors seeking crypto-backed liquidity without selling assets
• Users wanting to earn passive income on crypto holdings
• Expats and remote workers with international payment needs

Not Suitable For

• Users seeking cashback rewards (Nebeus Card offers no cashback)
• Those preferring Apple Pay integration (currently unavailable)
• Users wanting lowest possible transaction fees
• Investors requiring advanced trading features
• Users in heavily restricted jurisdictions

Pros

• Spend 30+ cryptocurrencies and fiat currencies with one card
• Free card issuance (virtual card available instantly)
• 0% foreign exchange fees
• Crypto-friendly European IBAN and UK Sort Code accounts
• Automatic crypto-to-fiat conversion at point of sale (no pre-loading)
• Both physical and virtual card options
• €2,000 monthly ATM withdrawal limit (higher than many competitors)
• Crypto-backed loans up to 95% LTV (stablecoins) or 70% LTV (other)
• Earn up to 13% APY through crypto renting
• Earn up to 7.5% RPY through staking with no lock-up
• No-KYC loans available up to $500
• Business accounts with mass payout capabilities
• $250M cold storage insurance (Lloyd's of London)
• BitGo institutional custody
• Bank of Spain regulated (D664)
• Operating since 2014 (10+ years track record)
• 100,000+ users
• 4.3 Trustpilot rating
• Invoicing feature for freelancers
• 6× revenue growth in 2024

Cons

• No cashback rewards program
• No Apple Pay or Google Pay integration reported
• Higher transaction fees than some competitors (1-2% card spending)
• ATM withdrawal fees apply (1-2%)
• Limited cryptocurrency selection compared to major exchanges
• Customer support rated as less personalized in some reviews
• Smaller user base than major platforms
• Monthly fees may apply depending on account tier
• Crypto exchange fees higher than specialized exchanges
• Platform ranked lower in comparative reviews (#63/63 in one analysis)
• No direct debit or standing order support from IBAN
• Limited staking asset selection

Alternatives

• Nexo Card – Credit line model, spend against crypto collateral, up to 2% cashback
• Crypto.com Card – Up to 5% cashback, metal cards, CRO staking tiers
• Bitpanda Card – Spend crypto/stocks/metals, 1% BTC cashback, MiCA licensed
• Bybit Card – Up to 10% cashback, 100+ cryptos, EU/UK availability
• Wirex – Multi-currency, up to 8% cryptoback, DeFi integration
• Holyheld – DeFi-native, self-custodial, spend from 15 chains