The Nebeus card comes with a real IBAN-style balance and a free Mastercard, but half its fee schedule is not published

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Nebeus card is a Mastercard debit card that spends whatever sits in your Nebeus account — crypto, euros, pounds or dollars — and at the point of sale it converts what it needs to the currency of the purchase. You order it from an app after you pass identity checks, in virtual or physical form, and you load it by sending coins on a supported blockchain or by pushing euros across SEPA. On paper that is a genuinely useful arrangement: no branch, no monthly banking ritual, a card number that works wherever Mastercard works, and a euro bank transfer that costs nothing to send.

I have read the card’s own published pages against the complaints people actually left behind, and my score for it is 6.2 out of 10. That is not a dismissive number. It is a card that does the ordinary things well and takes an unsettling shortcut on the things that would let you predict it. Specifically: the card page states that issuance is free of charge, and then stops. The monthly fee is not published on the consumer site. The conversion spread is not stated. The foreign-exchange fee is not stated. The fee for ATM withdrawals beyond the free allowance is not stated. Daily and monthly spending limits are not stated. You can find a third-party page from July 2026 claiming zero on currency conversion and on crypto loading — but that is not the card speaking, and I cannot confirm it with Nebeus.

So who is this for? In my reading, the person this card fits is a resident of Europe — the reader who wants an IBAN-style euro account and a working card without walking into a branch, and who is comfortable holding crypto with a regulated provider rather than in a wallet on their own phone. The person this card does not fit is anyone who plans their money a week ahead. If you need to know exactly what a small purchase costs before you buy it, or you need the app to behave on a Tuesday when something goes wrong, this is not the card for you — and the second of those complaints comes from users, not from me.

The conditions described here are current as of October 28, 2026.

My score, criterion by criterion

Read the reliability row again. Four out of ten is the lowest mark on the page and it is not about the card breaking — I found no official record of hacks or shutdowns in the search window. It is about being told nothing. Users wrote that cards were denied “with no reason and without asking for information,” that emails went unanswered, and that the app was “full of bugs and nothing works.” A card that declines a payment is annoying. A card that declines an application and will not tell you why is a card you cannot plan around.

Who will they actually give the card to

The eligibility rule is narrower than the marketing suggests, and it is the first thing to check before you download anything.

Nebeus lists 128 restricted countries, and among them are Belarus, the Russian Federation, Ukraine, the United States, the United Kingdom, the Netherlands, Israel and Hungary. That is an unusually broad list, and it includes places you would probably not expect to be excluded. The operative sentence is about residence rather than citizenship: access to the platform is permitted only to natural persons or legal entities residing in jurisdictions not subject to international sanctions. In practice the question the company answers is where you live, not what passport you hold — though both get screened, as I explain under identity checks below.

One consequence catches people out. The KYC article states that if you are a resident or citizen outside Europe, the only accepted identity document is a valid passport. A national ID card, which may be perfectly valid where you live, will not do. If you are outside Europe, plan for a passport renewal to be on the critical path.

What this means for you in practice: before you get excited about the card, check whether your country of residence appears in that list of 128. If it does, the answer is no, and no amount of good documents will change it.

How to get it

The process is short, standard, and entirely online. There is one KYC level — a single tier, not a ladder that gets easier as you deposit more.

What you need:

• A valid passport or national ID card
• Proof of address
• A video selfie
• To be at least 18 years old

The sequence is: register on the platform, complete verification with your document plus the video selfie plus proof of address, and then order a virtual or a physical card inside the app. Both forms are Mastercard debit cards. There is no metal card mentioned anywhere. Card currencies are EUR, GBP and USD, so you pick the currency your account is built around rather than the currency of the shop.

The company does publish its reasons for rejection, which is more than most. Stated grounds include appearing on international sanctions lists, a high-risk classification under its internal compliance rules, incomplete or inconsistent documentation, and a failure to provide updated information when asked. Read that list as a checklist you can fail before you submit rather than as a mystery. Incomplete or inconsistent documentation is the one you control.

Two things I could not find. Nebeus has an article called “How Long Does Verification Take?” but I could not retrieve its content, so I will not invent a timeframe. And the physical card’s delivery countries, delivery time, delivery cost and replacement cost are not stated anywhere on the public pages — not stated, meaning the card simply does not say, not that the cost is zero.

What it really costs: the fees you can see and the ones you cannot

This is the section I would read twice. A card that publishes its issuance fee but not its monthly fee, its conversion spread, or its FX fee is asking you to trust it on the number that matters most.

What the card’s own pages state:

• Issuance is “free of charge”, per the Nebeus card landing page
• A monthly or annual subscription fee is not published on the consumer site
• The crypto conversion fee or spread is not stated
• The foreign-exchange fee for paying in a currency other than the card’s currency is not stated
• The card page mentions “automatic foreign currency exchange” without naming any percentage
• ATM withdrawals are available on the physical card, with a monthly limit of 2,000 EUR, USD or GBP; the fee beyond that free limit is not stated
• Daily and monthly spending limits are not stated

A third-party page (monetiro.com, July 2026 — unofficial, and not confirmed by Nebeus) reports an FX fee of 0% and a crypto loading fee of 0%, and separately warns that issuance and monthly fees are not transparently published and should be verified in the app. There is no paid tier structure published on the consumer site: the virtual card and the physical card are the options, and that is the whole menu.

Three everyday payments, so you can feel what the missing numbers mean.

A coffee in Berlin, card denominated in EUR. This is the clean case. Your balance is already in euros, no conversion is needed, and no foreign-exchange fee is triggered. The 0% FX figure reported unofficially for other currencies would not even be relevant here. Your real exposure on this purchase is whatever the card charges when crypto is converted into that euro figure — and the card does not name a spread.

A 20 dollar subscription on a US platform, card denominated in EUR. Here you hit the gap square in the middle. The card converts at the point of sale with “automatic foreign currency exchange”, and the percentage is not stated. A third-party source says the FX fee is 0%, which would make this cost only the conversion itself — but that is a claim from outside the card, and the card’s own page declines to repeat it.

A 200 euro withdrawal from a cash machine in Spain. This falls inside the 2,000 EUR/USD/GBP monthly allowance, so it should be free up to that ceiling, on the physical card only. Whether the machine’s own surcharge applies, and whether any Nebeus fee sits on top inside the allowance, the public pages do not say.

What to do about this: open the app before you rely on the card and look for the fee schedule there. The unofficial source says the same thing. If your spending depends on knowing the conversion cost — if you are sending money home, or paying a subscription in dollars — this is a card you would want to test with a small amount first, not one to move your whole balance through.

How to top it up

Topping up is the part of this card I understand best, and the part where the design makes sense. There are two routes, and they cost different things in different currencies.

By crypto. You can send BTC, ETH, USDT, USDC, LTC, BCH and XRP. The supported networks are Bitcoin, Ethereum, Tron and Litecoin. No loading fee is stated — though a third party reports 0%, which I cannot confirm with the card.

By euro bank transfer. A SEPA transfer in EUR is free. You can do it from your personal IBAN, or by reference-based deposit.

Then the card does the rest: your Nebeus account holds crypto and fiat balances at the same time, and the card switches currency at the point of sale using automatic foreign currency exchange. That multi-currency balance is the actual product here — a single balance that can be spent as crypto or as fiat, and drawn on as either.

Two warnings that belong to this section rather than to a later one.

Blockchain network fees are yours. The gas or bandwidth cost of a deposit is charged by the blockchain, not by Nebeus. If you send USDT over Tron, the transaction burns TRX for resources; if you send an Ethereum-based token, the fee is paid in ETH — which means a wallet holding USDT but no ETH cannot send at all.

Since 5 April 2026, USDT and USDC deposits are halted for personal accounts. The stated reason is the MiCA-driven changes; EURC still works, and business accounts are unaffected. This is the single most important line in this review for anyone topping up with stablecoins, and it is the kind of change that arrives without a warning email and simply turns a working method into a dead one. Note the shape of it: a currency you have used for months stops working on a date. Hold that pattern in mind as you read the rest of the page.

Paying with it every day

Everyday use is where this card earns its eight. A virtual Mastercard you can open from the app in seconds, and a physical one for the places that still want plastic, both drawing on one balance that can hold crypto and three fiat currencies. Up to 2,000 EUR, USD or GBP a month from ATMs on the physical card. Multi-currency balances, and the card picks the currency at the till.

What I could not confirm. Apple Pay and Google Pay are not stated on the official site — a third party (monetiro.com, July 2026) says both are supported, and I would treat that as worth testing rather than relying on. Blocked merchant categories are not stated either, which matters more than it sounds: a card may be declined at a casino or betting site by issuer policy rather than by law, and issuers publish their own list or not at all. No cashback is mentioned anywhere, on the official site or in any source I reviewed.

The app is on iOS and Android. On Google Play it sits at 3.5 stars across 448 reviews with 100K+ downloads, last updated 11 February 2026. A 3.5 is not a catastrophe and it is not a recommendation either. It reflects a mixed response from users, which matches the bugs users described in late 2025.

When a payment does go wrong, here is what you are actually signing up for. Chargebacks run under Nebeus’s Chargeback Policy and the card network’s rules. You must try to resolve a dispute with Nebeus first. Valid grounds are unauthorised charges, technical errors and confirmed fraud. Unjustified chargebacks can cost you: processing fees, acquirer penalties, and investigation costs recovered from you. Refunds are close to final — operations are considered final once confirmed and are not eligible for refund, except at Nebeus’s sole discretion where a technical error is demonstrated and attributable to Nebeus. Read that twice. If a payment goes through and something is wrong with it, your remedy is a policy plus a discretionary exception, not a guarantee.

One thing worth knowing about how these cards behave generally: a declined authorisation can leave a hold on your funds for several days, typically up to seven. If a large purchase is declined at a hotel or a car rental, your balance can look frozen for a week without anything being wrong.

What can go wrong

Here is where I put the card under the strongest light, because the four-out-of-ten reliability mark has to be earned.

Refusals without explanation. A user wrote on Trustpilot in August 2025: “They deny the cards with no reason and without asking for information.” For someone whose card application is your route to a usable euro account, that is not an inconvenience — it is a closed door with no handle. I found no official incidents — no hacks, no shutdowns — in the search window. The risk here is not collapse; it is silence.

Support that goes quiet. Between August and December 2025 users wrote: “They doesn’t answer the mails anymore,” and “support will give you the run around forever and you wont get your funds back. TOTAL SCAM SITE.” The company advertises 24/7 live chat with an average reply of 2 minutes, plus email at [email protected], and a website in English and Spanish. A gap between a 2-minute advertised chat reply and “they doesn’t answer the mails anymore” is the tension in this card in a single sentence.

Bugs. “Their system is full of bugs and nothing works” (December 2025, user report). For a card, a bug is not a cosmetic annoyance — a failed conversion or a stuck top-up can hold your money while the interface refuses to explain.

The custody question. Crypto assets are held by Nebeus in segregated accounts under MiCA Article 75, with BitGo providing institutional-grade custody and Lloyd’s of London insurance coverage of $250M. Fiat funds are held in segregated safeguarding accounts as applicable regulation requires. Two things follow. First, safeguards are good but they are not the same as a bank deposit guarantee. Second, and more importantly: with a custodial arrangement, the provider holds the credentials, which means you trust them completely. Transfers are typically irreversible, and a stolen key has no recovery path — the network cannot freeze or return funds. This category has a record: Mt. Gox (about US$350 million reported stolen, 2011–2014), Coincheck (about US$400 million, 2018) and Ronin Network (US$625 million, 2022).

Freezes are a feature, not a bug. Two-factor authentication is “strongly recommended, and may in certain cases required” — the wording is Nebeus’s own. And on detecting suspicious activity the account may be “prevently blocked,” their phrasing. Under EU rules, if due diligence cannot be completed, the institution is required to refrain from the transaction or relationship and, where necessary, end existing relationships. Accounts closed and frozen pending documents is the rule working as intended, not a malfunction.

Change without notice. The April 2026 stablecoin halt is the example to keep. It was announced as a news item and it still changed how real money moves for real people overnight.

Who you are dealing with. Nebeus is owned by Rintral Trading SLU, incorporated in Spain at C/ de la Llacuna 11, 08005 Barcelona. The card issuer is Quicko Sp. z o.o., a licensed financial institution registered in Poland (REGON 142004870). Nebeus is authorised under the EU MiCA framework by Spain’s CNMV and is also licensed as an EMI in the UK (FCA), registered as an SRO in Switzerland, and as a VASP and PI in Argentina, and is registered with the Bank of Spain under number D664.

That is a real regulatory footprint — more than one crypto card brand can show. It is also three separate regulators’ worth of detail, which tells you the operation is a licensed business rather than an anonymous website. Understand what the licences do and do not cover, because they cover different things. MiCA handles the crypto side: custody, exchange, transfer. A card is a payment service regulated separately, so a crypto card commonly rests on two licences. And an e-money institution may safeguard your funds in segregated accounts or insure them, but that is not a bank deposit and may sit outside a deposit guarantee scheme. Registration is also something you can check yourself: ESMA keeps an interim register of authorised CASPs, white papers and non-compliant entities.

One general warning that belongs to everyone reading this page: Visa and Mastercard do not issue crypto cards to consumers. They license issuers, and they can suspend a programme. In November 2022 Visa said it had “terminated our global agreements with FTX,” and the FTX US debit card programme was wound down. WaveCrest, a Visa issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018, closing every WaveCrest-issued Visa programme. Closures follow a pattern: a notice period, then loading stops, then spending stops, then you are asked to withdraw what is left. That is the specific sequence you would be exposed to here.

What to take instead

I want to be careful here: none of these is a recommendation, and I have not tested any of them. This is a comparison of published facts, so you can see whether a different set of trade-offs suits you better.

Three observations.

The International Visa Card is the only one that names its fee percentages. “Visa exchange rate + 2% FX fee” is a sentence you can budget against; Nebeus’s card page is not. What it costs you in flexibility: it is USD-only, virtual, and physically still “coming soon,” and its exclusion list is longer than Nebeus’s and includes Israel, India and Turkey.

UNi Card is the one that publishes the thing Nebeus does not. “No annual fee or foreign transaction fee,” conversion at live OTC rates, and “no hidden exchange fees” — plus up to 3% spend-to-earn rewards, which Nebeus does not offer in any form. Its score is slightly lower at 6.1, and its eligibility rules are not stated at all, which is its own kind of risk.

Whop Cards is a different shape of thing. It spends from a Whop balance backed by stablecoin collateral, is built around US states, and offers 5% cashback at select merchants with Uber named and more planned. Payout currency and conditions are not stated, and neither are its fees in amounts.

Who I would recommend it to

Three profiles, plainly.

Recommended to: the resident of a permitted European country who wants a card and an IBAN-style euro account without a branch visit, is comfortable with a regulated provider holding their crypto, and can afford to test the fee schedule in the app before committing real money to it. If your spending is in the currency your account is denominated in, the fee gap matters least — and that is the case this card handles best.

Recommended with caution to: anyone whose income arrives in crypto and whose spending is in a different currency. The foreign-exchange fee and the conversion spread are both unstated, and the only public figures are an unconfirmed third-party report. Ask the app first.

Not recommended to: anyone who needs published numbers. Daily and monthly spending limits are not stated, the monthly fee is not published, the FX fee is not stated, and ATM fees above the allowance are not stated. Also not to residents of the 128 restricted countries — that door does not open. And not to anyone outside Europe without a valid passport to hand, because a national ID card will not be accepted for verification.

There is a fourth group worth naming: if your priority is a card that answers its email, look elsewhere until the support complaints stop. That is not a judgement about the company’s intentions — the published channels and the two-minute average chat reply are real. It is a judgement about what users reported in 2025.

Frequently asked questions

What is Nebeus card?

The Nebeus card is a Mastercard debit card that spends the balance of your Nebeus account. That account holds crypto and fiat at the same time — you can hold BTC, ETH, USDT, USDC, LTC, BCH or XRP alongside euros, pounds or dollars — and the card converts to whatever currency a purchase needs at the point of sale. It exists in virtual and physical form, draws on the account rather than on a bank balance, and carries no metal version.

Is Nebeus a bank?

No, not in the sense of a deposit-taking bank. Nebeus is authorised under the EU MiCA framework by Spain’s CNMV, and it is also licensed as an EMI in the UK (FCA), registered as an SRO in Switzerland, and as a VASP and PI in Argentina, and is registered with the Bank of Spain under number D664. The card itself is issued by Quicko Sp. z o.o., a licensed Polish financial institution. Nebeus is owned by Rintral Trading SLU, incorporated in Spain.

Who owns Nebeus?

The owner is Rintral Trading SLU, a company incorporated in Spain at C/ de la Llacuna 11, 08005 Barcelona. The card programme itself sits with a separate issuer, Quicko Sp. z o.o., a licensed financial institution registered in Poland under REGON 142004870. So there are two companies to know about: the brand owner and the entity whose licence the card runs under.

Does the Nebeus card require KYC?

Yes, and there is one level of it. You need a valid passport or national ID card, proof of address and a video selfie, and you must be at least 18. If you are a resident or citizen outside Europe, the only accepted document is a valid passport — a national ID card is not enough. Stated reasons for rejection include appearing on sanctions lists, a high-risk internal compliance classification, incomplete or inconsistent documentation, and failing to provide updated information when asked.

Is the Nebeus card free?

Issuance is stated as “free of charge” on the card’s own landing page. That is as far as the official numbers go. A monthly or annual subscription fee is not published on the consumer site, the conversion spread is not stated, the FX fee is not stated, and the ATM fee above the 2,000 EUR/USD/GBP monthly allowance is not stated. A third party reported 0% FX and 0% crypto loading in July 2026, but that is unofficial.

How do I top up the Nebeus card?

Two ways. You can send crypto — BTC, ETH, USDT, USDC, LTC, BCH or XRP over the Bitcoin, Ethereum, Tron or Litecoin networks — or you can make a SEPA euro transfer from your personal IBAN, which is free, or a reference-based deposit. Two caveats: blockchain network fees are charged by the network and paid by you, not by Nebeus; and since 5 April 2026 USDT and USDC deposits are halted for personal accounts, while EURC still works.

Can I add the Nebeus card to Apple Wallet?

The official site does not state it either way. A third-party page from July 2026 reports that both Apple Pay and Google Pay are supported, but I could not confirm that with Nebeus and you should treat it as something to test in the app. If wallet support does work, the tokenisation happens on your device rather than on the card issuer’s servers, with a one-time dynamic code per payment.

Is the Nebeus card safe to use?

Regulated and safeguarded, but not risk-free. Crypto assets are held in segregated accounts under MiCA Article 75 with BitGo custody and Lloyd’s of London insurance coverage of $250M, and fiat sits in segregated safeguarding accounts. But custodial means the provider holds the credentials, transfers are irreversible, and safeguarded funds are not bank deposits with a deposit guarantee. Accounts can also be preventively blocked on suspicious activity, and 2FA is recommended and may in certain cases be required.

How much can I withdraw from an ATM?

Up to 2,000 EUR, USD or GBP per month from ATMs, and only on the physical card — the virtual card does not do ATM withdrawals. The fee for anything beyond the free allowance is not stated on the card’s pages. One practical warning: a declined authorisation can leave a hold on your funds for several days, typically up to seven, which matters if a hotel or rental desk declines a large amount.

Is the Nebeus card worth it?

For a resident of a permitted European country who wants an IBAN-style euro balance and a card without visiting a branch, and who accepts an unpublished fee schedule, the useful parts are real: free issuance, free SEPA, multi-currency balances, a Mastercard in virtual and physical form, and up to 2,000 a month in ATM withdrawals. Against that sit 4/10 for reliability, 2025 reports of cards refused without explanation and support mail unanswered, a 3.5 Google Play rating, and costs you have to go looking for in the app. Test it small before you rely on it.

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