A MiCA-licensed crypto card with a free Mastercard, and holes where the details should be

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Nebeus card is a Mastercard you spend from a crypto balance, issued by a Polish licensed institution under a Spanish MiCA licence, and it is free to open. That is genuinely appealing if your problem is that an ordinary bank card is hard to get. It is also, in the places where you would want hard numbers, unusually quiet: the monthly fee is not published, the conversion spread is not published, the spending limits are not published, and the app’s ratings leave a lot of room for interpretation. My score is 6.2 out of 10. I have read the card’s own pages, checked what it says about itself and its company, and read what people who actually hold the card say on Trustpilot. Below is the whole picture, section by section, so you can decide whether the gaps matter for you.

Conditions are current as of October 28, 2026

Verdict: 6.2 / 10, and the gap is in the detail, not the concept

The idea is right and the licence is real. Nebeus is authorised under the EU’s MiCA framework by Spain’s CNMV, the card is a Mastercard in EUR, GBP or USD, and the platform also runs as an EMI in the UK, an SRO in Switzerland, and a VASP and PI in Argentina. If you are a Europe-based resident who wants a card and an IBAN-style account, and who is willing to live inside a crypto platform rather than a bank, this is a plausible home for that card. But the service is published as thinly as it works: the places where a card review earns trust — “how much does it cost to spend”, “what can I spend today”, “will I get the plastic in my country” — are blank on the official site.

Here is the score, criterion by criterion.

Total: 6.2 / 10.

Two of those rows deserve a word before we go further. The everyday-use mark is high because the card itself is unremarkable in the best way — it is a Mastercard, it works in stores, and you can withdraw cash. The reliability mark is low because everything that could go wrong on a card account goes wrong quietly: a card refused with no reason, support that does not answer. Those are the complaints that recur, not a one-off.

I would not tell anyone to move money they cannot afford to lose into this card on the strength of the licensing alone, and I would not tell anyone to dismiss it either. The company is real, the licence is real, and a card that spends your crypto balance at a shop is more useful than a wallet address.

Who they will give the card to

Nebeus lists 128 restricted countries. The list includes Belarus, the Russian Federation, Ukraine, the United States, the United Kingdom, the Netherlands, Israel, Hungary and others. Access is decided by where you reside, not by your citizenship: the platform’s own condition is that access is permitted “only to natural persons or legal entities residing in jurisdictions not subject to international sanctions.”

If you live in one of the restricted countries, that is the end of it, whatever your passport says. If you do not, the next thing that bites you is the document. For residents and citizens outside Europe, the only accepted identity document is a valid passport. Inside Europe, a passport or a national ID card is fine. Everyone needs proof of address and a video selfie, and everyone must be 18 or older.

I want to flag something here, because it comes up in almost every question people ask about this card. Sanctions and country rules are not obstacles to be worked around. If your residence is restricted, the correct answer is that this platform is not for you, not that there is a trick. If you are somewhere the platform does accept, the checks are ordinary and unremarkable — a passport, an address, a face.

There is a single KYC level, not a tiered one: government ID, proof of address, video selfie. Nebeus states the reasons it can refuse you: you appear on international sanctions lists, you fall into a high-risk classification under their internal compliance rules, your documents are incomplete or inconsistent, or you do not supply updated information when asked. That last one is worth noticing — the obligation to keep your details current continues after you are verified.

How to get it

Three steps. Register on the platform, complete KYC (document plus video selfie plus proof of address), then order either a virtual or a physical card in the app. Both are Mastercards; there is no metal card, and the card can be denominated in EUR, GBP or USD.

Where the card pages go quiet is the part most people actually need. Which countries the physical card ships to, how long delivery takes, what delivery costs, and what a replacement card costs: not stated. The company publishes an article called “How Long Does Verification Take?” but I could not retrieve its content, so I am not going to guess at a processing time for you.

The honest summary of signup is: the verification side is clearly specified, the delivery side is not. If you need a physical card in a specific country fast, ask support directly before you commit any funds — the 24/7 live chat quotes an average reply of two minutes, and email goes to [email protected].

What it really costs: Fees

This is the section where Nebeus is most attractive and least transparent, and the two things are in tension. Issuance is “free of charge” — that is the card’s own word, on its own landing page. What that page does not carry is a monthly or annual subscription figure. No monthly fee is published on the consumer site.

The fees I can put numbers to, I have; the ones I cannot, I will leave blank rather than fill with a plausible-sounding guess.

Let me be precise about which of these are the card’s statements and which are not. Unofficial reporting, from a third-party source in July 2026, puts the FX fee at 0% and the crypto loading fee at 0%, and characterises issuance and monthly fees as not transparently published, to be verified in the app. That is one secondary source, not the card, and I have not confirmed it with Nebeus. Treat those two zeros as something to check in the app yourself, not as a promise.

Now three everyday payments, and which fees actually bite:

• Buying something in the card’s own currency. If your balance is in euros and you spend in euros, you are in the cleanest case. The card converts your balance to fiat at the point of sale. No FX fee is involved. What remains is the conversion spread, which the card does not state — and this is the one number you want, because a spread of half a percent and a spread of two percent look identical on the app and behave very differently over a month of spending.
• Paying in a different currency — a holiday, a US subscription, a foreign supplier. Here the card says it does “automatic foreign currency exchange” but names no fee. The unofficial figure is 0%. If that is right, the cost is entirely in the exchange rate applied, which you will not see stated.
• Taking cash out of an ATM. Withdrawals are on the physical card only, to 2,000 EUR, USD or GBP a month. Beyond that free allowance, the fee is not stated. I would not build a habit around cash withdrawals from this card until you have seen that number in the app.

The uncomfortable summary: the fee schedule is not the reason to reject Nebeus, but it is the reason not to pre-commit. If your whole financial life runs through this card, you are accepting an unstated spread as the price of admission.

How to top it up

The card spends from the Nebeus account balance, which holds both crypto and fiat. You fund it one of two ways, and the card converts your balance to fiat at the point of sale.

By crypto. Confirmed coins: BTC, ETH, USDT, USDC, LTC, BCH, XRP. Confirmed networks: Bitcoin, Ethereum, Tron, Litecoin. The crypto deposit fee is not stated — nothing is promised and nothing is forbidden here — but you do pay the blockchain’s own network fee on the way in, because the network charges that, not Nebeus.

By bank transfer. SEPA in EUR, free, into your personal IBAN or a reference-based deposit. Card-to-card top-up is not stated as available. Minimum top-up is not stated.

And here is the single most important thing in this section, because it is recent and it catches people out. Since 5 April 2026, USDT and USDC deposits and withdrawals are halted for personal accounts. EURC still works. Business accounts are unaffected. So the two stablecoins most people would have reached for first are, right now, closed to you if you are an individual. The coins listed in the platform’s own materials and the coins you can actually send today are not the same list, and I would treat the marketing list as the outdated one.

Two more things to keep in mind before you send. Blockchain transfers are irreversible, so a deposit sent on the wrong network, or to an address that does not match the network you chose, can be lost — recovery through support is possible but carries no guarantee. And on Ethereum, a wallet holding USDT with no ETH in it cannot send, because gas is paid only in ETH. Tron prices its fees through bandwidth and energy, often by burning TRX. Check the network, check the coin, and check that you can pay the fee before you press send.

Getting money back out: crypto goes to an external wallet over the supported networks — Bitcoin, Ethereum, Tron, Litecoin. Fiat goes out via SEPA from your IBAN. Closing the account means contacting support; Nebeus references a closure policy but does not publicly display its fee or how remaining balances are handled.

Paying with it every day

The card is a Mastercard, virtual or physical, in EUR, GBP or USD. The Nebeus account holds multi-currency balances, and the card switches currency at the point of sale with automatic foreign currency exchange. That is the everyday-use story, and it is a good one — a card that behaves like a card.

Apple Pay and Google Pay: not stated on the official site. Unofficial reporting from a third-party source, July 2026, says both are supported. Again — one secondary source, not the card. Blocked merchant categories: not stated, which means you do not know in advance whether your card will work at a casino, a petrol forecourt with an attached cashpoint, or a particular adult merchant. There is no list to consult.

There is no cashback. None is mentioned on the official site or in any source I reviewed.

The app is on iOS and Android. On Google Play it sat at 3.5 stars across 448 reviews, 100K+ downloads, last updated 11 February 2026 as I read it. Three and a half stars is not a disaster, but for an app whose whole job is converting crypto and telling you what you can spend, it is not a comfortable number.

On chargebacks and refunds, the rules are stated and they are not generous. Disputes follow Nebeus’s Chargeback Policy and card network rules under Visa or Mastercard, and you must first try to resolve the dispute with Nebeus yourself. Valid grounds are unauthorised charges, technical errors and confirmed fraud. An unjustified chargeback can cost you processing fees, acquirer penalties and investigation costs. And on refunds: 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. In plain terms — if a payment has gone through and you simply do not like the outcome, the default answer is no.

What can go wrong

I found no official incidents — no hack, no shutdown — in the window I searched. That is worth saying, because it is a category where that is not always true. What I did find were complaints, and they repeat.

• Cards refused without explanation. “They deny the cards with no reason and without asking for information” (Trustpilot, Aug 2025).
• Support that goes quiet. “They doesn’t answer the mails anymore,” and “support will give you the run around forever and you wont get your funds back” (Trustpilot, Aug–Dec 2025).
• Bugs. “Their system is full of bugs and nothing works” (Trustpilot, Dec 2025).

I could not access the Trustpilot score or review count directly. What I have is the recurring themes above, which is enough to weigh. The pattern that concerns me most is the first one combined with the second: a card application declined with no reason and no way to reach a human who will explain it. On a card whose entire purpose is to be an alternative to a bank card that refused you, an unexplained refusal is the one failure that matters most.

Now the structural risks, which matter more than any single complaint.

It is custodial. Your crypto is held by Nebeus, not by you. Assets sit in segregated accounts under MiCA Article 75, custody is with BitGo at institutional grade, and there is Lloyd’s of London insurance coverage of $250M. That is a real answer to “what happens if they are hacked.” It is not the same as self-custody, and you should not treat it as one. Custodial platforms have a history: Mt. Gox, about US$350 million reported stolen 2011–2014; Coincheck, about US$400 million in 2018; Ronin Network, US$625 million in 2022. The lesson is not that Nebeus will fail. It is that holding funds with a custodian carries counterparty and hack risk that the insurance only partly answers.

The account can be blocked. Nebeus may “preventatively block” an account on detection of suspicious activity. Fiat funds are held in segregated safeguarding accounts in accordance with applicable regulation. Safeguarding is not the same as a bank deposit guarantee. Two-factor authentication is something the company “strongly recommends, and may in certain cases require.”

Two licences, not one. The card is a payment service, regulated separately under e-money and payments law; MiCA covers the crypto side — custody, exchange, transfer. So this card depends on both working. The issuer is Quicko Sp. z o.o., a licensed financial institution registered in Poland (REGON 142004870). Nebeus itself is owned by Rintral Trading SLU, incorporated in Spain at C/ de la Llacuna 11, 08005 Barcelona, and registered with the Bank of Spain under number D664.

Transactions are hard to undo. Blockchain transfers are irreversible. Card authorisations can leave a hold on your funds for several days, typically up to seven.

The company has changed what it offers before. Dash was removed from the platform on 31 March 2025. Tax Reporting FAQs were published on 10 June 2025. The USDT/USDC halt for personal accounts on 5 April 2026 was MiCA-driven. A platform that removes assets and suspends stablecoins for individuals is doing what regulation requires, but it means the coin list you were sold is not a promise.

One more, on the nature of stablecoins themselves: they aim to hold a stable value, but despite the name, stablecoins are not necessarily stable. TerraUSD collapsed in May 2022; USDC temporarily lost its peg in March 2023 during the US banking crisis. USDC is redeemable 1:1 for USD and 100% backed by cash and cash equivalents, mostly in an SEC-registered government money market fund, with monthly reserve attestations — but that is a snapshot of a strong position, not a guarantee. And Tether disables tokens in wallets on the OFAC sanctions list and has frozen funds tied to illicit activity, so these balances are not censorship-proof.

What to take instead

I have three cards I looked at alongside Nebeus, and I will put them next to it plainly rather than talk about them in the abstract.

International Visa Card scored 6.7, the highest of the four. Its card is U.S.-issued, virtual, pays in USD, and charges a stated 2% FX fee on foreign-currency use — that transparency is worth something on its own. It is closed to residents and registrants of a long list including Belarus, mainland China, North Korea, Cuba, India, Iraq, Iran, Israel, Myanmar, Nepal, Nicaragua, Russia, Syria, Turkey, Ukraine, Venezuela and Vietnam, with FATF grey-list countries reviewed case by case, and purchases are blocked in several of those countries. The rule is by residence or registration; citizenship is not mentioned. If you are US-adjacent or outside the restricted list and want known numbers, this is the more transparent object — but you pay 2% when you spend abroad, where Nebeus’s figure, if unofficial reporting is right, is 0%.

UNi Card scored 6.1, just below Nebeus. A multicurrency Mastercard spending from the UNi.Global balance, with no annual fee, no foreign transaction fee, conversion at live OTC rates and “no hidden exchange fees” as its own wording. Spend-to-Earn rewards up to 3%. Eligibility, card type and funding routes are not stated, which is why I cannot recommend it as clearly as its fee story deserves — I do not know who it is for.

Whop Cards scored 5.2, the lowest. A Visa that works anywhere Visa is accepted, spending from a Whop balance, with “no extra fees” claimed but no amounts given, 5% cashback at select merchants (currently Uber, more planned), consumer sign-up across 31 US states and businesses across 41. Unsupported consumer countries include Belarus, mainland China, Cuba, Hong Kong, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela and Vietnam. Whether the rule follows citizenship or residence is not stated. For someone in the US this is a narrow but real option; for almost everyone else it is not.

Who I would recommend it to

I would recommend the Nebeus card to a Europe-based resident who wants a card and an IBAN-style account, who already holds some crypto, and who is comfortable with the account being custodial and the fee details being thin. I would recommend they check the conversion spread in the app before they spend anything meaningful, and check that the physical card ships to them.

I would not recommend it to you if the card is your primary everyday card. Not because it is a bad card — it is a Mastercard with real ATMs — but because an unexplained refusal plus unanswered support, which is exactly what the complaints describe, is a bad thing to discover when your rent is due. If you have a functioning bank card, Nebeus is a secondary card at best.

I would not recommend it if you are trying to get around an identity check or a country restriction. There is no version of that which works, and the platform’s rule is residence-based and clear.

And I would not recommend it if you need to see a conversion rate, a monthly fee and a spending limit before committing. Those numbers exist somewhere — the unofficial sources say to verify in the app — but the fact that a serious card company does not publish them is itself the information.

Frequently asked questions

What is the Nebeus card?

It is a Mastercard debit card, virtual or physical, that spends from the balance in your Nebeus account rather than from a bank account. That balance can hold crypto and fiat in EUR, GBP or USD, and the card converts to fiat at the point of sale. It is issued by Quicko Sp. z o.o., a licensed Polish institution, under Nebeus’s MiCA authorisation from Spain’s CNMV. Think of it as a prepaid card with a crypto top-up attached.

Is Nebeus a bank?

No — Nebeus is a crypto platform, not a bank. The entity behind it is Rintral Trading SLU, incorporated in Spain and registered with the Bank of Spain under number D664. It is authorised under the EU’s MiCA framework by the CNMV, and also licensed as an EMI in the UK, registered as an SRO in Switzerland, and authorised as a VASP and PI in Argentina. Customer fiat is held in segregated safeguarding accounts, which is not the same as a bank deposit.

Who owns Nebeus?

Rintral Trading SLU, with an address at C/ de la Llacuna 11, 08005 Barcelona, Spain. The card programme itself is issued by a different company, Quicko Sp. z o.o., a licensed financial institution registered in Poland with REGON 142004870. So the brand you see, the company that owns it, and the company that issues your card are three related but separate things.

How do I get a Nebeus card?

Register on the platform, complete KYC, then order the card in the app. KYC needs a passport or national ID — a passport only, if you are a resident or citizen outside Europe — plus proof of address and a video selfie, and you must be 18 or older. You then choose a virtual or physical Mastercard in EUR, GBP or USD. Which countries the physical card ships to, and delivery time and cost, are not stated.

Which countries can use the Nebeus card?

Nebeus lists 128 restricted countries, including Belarus, Russia, Ukraine, the United States, the United Kingdom, the Netherlands, Israel and Hungary. Access is by residence: only natural persons and legal entities residing in jurisdictions not subject to international sanctions. There is no workaround to this and I would not look for one — if your country is on the list, this platform is not for you.

How do I top up the Nebeus card?

By crypto — BTC, ETH, USDT, USDC, LTC, BCH or XRP over Bitcoin, Ethereum, Tron or Litecoin, paying the blockchain’s own network fee — or by SEPA bank transfer in EUR, which is free. The card converts your balance to fiat at the point of sale. Minimum top-up and card-to-card top-up are not stated. Check the network before sending: transfers are irreversible.

Can I still deposit USDT or USDC?

Not on a personal account, since 5 April 2026. USDT and USDC deposits and withdrawals were halted for personal accounts; EURC still works, and business accounts are unaffected. This was a MiCA-driven change. The coin list in Nebeus’s own materials still includes them, so check in the app before you send.

Is the Nebeus card free?

Issuance is free of charge — the card’s own wording. The monthly or annual fee is not published on the consumer site, and unofficial reporting from a third-party source in July 2026 says exactly that and advises verifying in the app. Unofficial figures put the FX fee and the crypto loading fee at 0%, but I have not confirmed that with Nebeus. ATM fees beyond the free 2,000 EUR/USD/GBP monthly limit are not stated.

Does Nebeus work with Apple Pay and Google Pay?

Not stated on Nebeus’s official site. Unofficial reporting from a third-party source in July 2026 says both Apple Pay and Google Pay are supported. Treat that as a third-party claim rather than something the company has confirmed, and check in the app before you rely on tapping to pay.

Is the Nebeus card safe, and who do I contact if something goes wrong?

Safety depends on what you mean by it. Custody is with BitGo, assets are in segregated accounts under MiCA Article 75, and there is $250M of Lloyd’s of London insurance — real protections, but still custodial, so counterparty and hack risk exist. For problems, there is 24/7 live chat quoting an average two-minute reply, and email at [email protected]. For card-specific concerns there is also this: Trustpilot complaints in 2025 include cards refused without explanation and unanswered support mails.

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