Nebeus Card Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
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Card Overview
The Nebeus card is the spending layer of the Nebeus crypto-neobank: a multi-currency IBAN account with crypto-backed loans, savings, and rent payments sitting behind it. You cannot order one. Card ordering has been switched off inside Nebeus's own web app since 16 December 2025 — the production bundle hardcodes the availability selector to return false, so the order screen lists nothing — even though the marketing pages still advertise free issuance for virtual and physical cards. Those pages are a leftover, and so is the issuer line on them: Poland's KNF revoked Quicko Sp. z o.o.'s payment authorization on 21 January 2026, with a cessation deadline of 30 April 2026, yet the official pages still name Quicko as issuer months past that date. That points to either an undisclosed migration or stale content, and you cannot tell whose rails the card runs on today. Custody is custodial. You spend BTC and ETH alongside fiat EUR, GBP, and USD; the insured cold storage is a platform feature, not card-level self-custody. The card network is not stated on the official pages, so I would not commit to Visa or Mastercard. The ATM ceiling is 2,000 EUR/USD/GBP a month. The 0% FX fee headline is the part that stings: one third-party review reports a roughly 2% crypto-to-fiat conversion drag (about 2% plus a 0.15% spread) charged at the point of sale. No cashback. Best fit: EU/UK/EEA users who want crypto-plus-fiat spend attached to a real IBAN account. Wrong card if you need certainty on who processes your payments, or a US option, until the Quicko question is resolved.
Nebeus Card delivers straightforward crypto-to-fiat spending across 90+ million Mastercard merchants worldwide with instant virtual card activation in seconds. Hold both crypto and fiat balances in your custodial Nebeus wallet, with automatic conversion at checkout for payments using BTC, ETH, stablecoins, or traditional currencies. With zero foreign exchange fees, €2,000 monthly ATM withdrawal limits, and Apple Pay/Google Pay integration, Nebeus Card offers no-frills global accessibility, perfect for users seeking simple, reliable crypto spending without complex reward structures or staking requirements.
This is a Mastercard crypto card. Available in Europe. Available in the UK.
Fees & Limits
| Issuance Fee | Not disclosed |
|---|---|
| Annual Fee | Not disclosed |
| FX Fee | 0% foreign exchange fee |
| ATM Limit | €2000/month or £2000/month or $2000/month (depending on currency) |
| Spending Limit | Based on account balance |
These figures can change. Confirm the current fees, FX and network in Nebeus’s official terms before you apply.
Features
- Card Type: Virtual + Physical
- Top up with: BTC ETH fiat stablecoins and major cryptocurrencies
- Available Countries: Åland Islands, Afghanistan, Albania, Algeria, American Samoa, Andorra, Angola, Anguilla, Antarctica, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belarus, Belgium, Belize, Benin, Bermuda, Bhutan, Bolivia, Bonaire Sint Eustatius and Saba, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Canada, Cayman Islands, Chad, Chile, Cocos Keeling Islands, Comoros, Cook Islands, Costa Rica, Croatia, Curaçao, Cyprus, Czechia, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Estonia, Falkland Islands, Faroe Islands, Federated States of Micronesia, Fiji, Finland, France, French Guiana, French Polynesia, French Southern Territories, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guernsey, Guyana, Honduras, Hong Kong, Hungary, Iceland, India, Ireland, Isle of Man, Israel, Italy, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kuwait, Kyrgyzstan, Laos, Latvia, Lesotho, Liberia, Liechtenstein, Lithuania, Luxembourg, Macao, Madagascar, Malawi, Malaysia, Maldives, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mayotte, Moldova, Monaco, Montenegro, Montserrat, Morocco, Mozambique, Namibia, Nauru, Nepal, New Caledonia, New Zealand, Niger, Nigeria, Niue, Norfolk Island, North Macedonia, Northern Mariana Islands, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Pitcairn Islands, Poland, Portugal, Puerto Rico, Qatar, Réunion, Romania, Rwanda, Saint Barthélemy, Saint Helena, Saint Lucia, Saint Martin, San Marino, São Tomé and Príncipe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands, South Africa, South Georgia and the South Sandwich Islands, South Korea, Spain, Sri Lanka, St Kitts and Nevis, St Vincent and Grenadines, Suriname, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tokelau, Tonga, Trinidad and Tobago, Türkiye, Turkmenistan, Turks and Caicos Islands, Tuvalu, U.S. Virgin Islands, Uganda, United Arab Emirates, United Kingdom, Uruguay, Uzbekistan, Vanuatu, Vatican City, Vietnam, Wallis and Futuna, Western Sahara, Zambia
Banking & Fiat Rails
IBAN yes (free EUR IBAN); SEPA yes (free SEPA transfers); SWIFT not disclosed
Who issues the Nebeus Card
Nebeus Card does not name its BIN sponsor in any public document we could reach. That is not unusual — around a quarter of the cards we track do the same. See our BIN-sponsor research for why disclosure varies and what it means for you.
Supported Cryptocurrencies
You can load the Nebeus Card with crypto; the asset we track for it is listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: BTC, ETH and stablecoins via Nebeus wallet (exchange-style funding, not direct multi-chain on-ramp)
Who Is the Nebeus Card Best For?
The Nebeus Card is a good fit for holders who want their balance to keep earning while it sits on the card.
It lets you spend crypto at millions of merchants without converting everything to fiat first.
The card is currently available in Excludes United States; available across EEA/UK and other supported regions, so it works for residents and travellers in those areas.
Best for
- People who want a straightforward, app-managed crypto card
- European users within EEA countries
Avoid if
- You want a card that earns cashback
- You need full non-custodial control of your funds
- You're a US resident (this card doesn't support US users)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Nebeus Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Pros & Cons
Pros
- Zero FX fees; instant crypto conversion at payment; 90M+ merchant acceptance; fast virtual card activation
- Works wherever Mastercard is accepted worldwide
- Covers the European Economic Area (EEA)
- Virtual card ready right away, no shipping wait
- Banking rails: IBAN / SEPA / SWIFT support
Cons
- ~2.15% crypto conversion fee; no cashback rewards; fully custodial; limited differentiation
- Card issuance fee: Not disclosed
- Annual fee: Not disclosed
- Only available in certain regions
- Full KYC required, no anonymous tier
How to Get the Nebeus Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Nebeus account
A few minutesGo to the Nebeus website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerNebeus runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad your card with BTC ETH fiat stablecoins and major cryptocurrencies through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Nebeus Card shows up in the Nebeus app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available in Most of the EEA
The Nebeus Card serves the European Economic Area, but not every member state — the issuer lists exclusions (see the country list above). If you're in the UK, check with the issuer about post-Brexit availability.
Key supported countries:
Common questions about the Nebeus Card
What are the fees for the Nebeus Card?
Where is the Nebeus Card available?
What cryptocurrencies does the Nebeus Card support?
What are the Nebeus Card's ATM and spending limits?
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