Nebeus
Rintral Trading S.L. · Mastercard
Nebeus is a Spanish crypto-financial platform (Rintral Trading S.L., Barcelona, registered with the Bank of Spain under number D664) combining crypto-backed loans, a multi-currency account with a European IBAN, and a physical or virtual Mastercard. Users can deposit BTC, ETH and stablecoins, unlock euro liquidity without selling their crypto (up to 70% LTV), and spend crypto and fiat funds at over 90 million merchants. Custody is handled by institutional partners (BitGo) with Lloyd's of London insurance coverage. The card is issued by Quicko on the Mastercard network.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Account fee | Free |
|---|---|
| IBAN | EUR (SEPA) |
| Multi-currency | EUR, GBP, USD |
| Network | Mastercard |
| ATM withdrawal | Free |
| Free ATM limit | 2.000 EUR/GBP/USD al mese |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA, UK |
| Regulator | Banco de España |
| Segment | B2C |
| Funding / solidity | Rintral Trading S.L., headquartered in Barcelona (Spain), founded in 2014, operates the Nebeus brand and is registered with the Bank of Spain (no. D664). The Nebeus card is issued by Quicko on the Mastercard network. |
| MiCA / License status | Banco de España registro de proveedores de servicios de cambio de moneda virtual por moneda fiduciaria y custodia (D664) Registered with the Bank of Spain in the virtual-asset service provider (VASP) register, no. D664, for custody and virtual/fiat currency exchange. Card issued by Quicko on the Mastercard network. |
Strengths
- Full ecosystem: crypto-backed loans, multi-currency account with SEPA IBAN and a Mastercard in a single app
- Base card with no monthly fee or issuance cost, plus an instantly activatable virtual version
- Regulated in Spain (Bank of Spain, D664) with institutional BitGo custody and Lloyd's of London insurance
- No notable sovereignty advantage documented.
Weaknesses
- Custodial wallet: private keys are held by Nebeus, not the user
- No cashback or rewards on card spending
- Foreign exchange markup up to 2% and a 2,000 monthly ATM withdrawal limit
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Registered with the Bank of Spain in the virtual-asset service provider (VASP) register, no. D664, for custody and virtual/fiat currency exchange. Card issued by Quicko on the Mastercard network.): reporting to authorities and freezes on order.
Verdict
Nebeus is registered with the Bank of Spain (VASP register, no. D664) for custody and exchange services on digital assets, with the card issued by Quicko on the Mastercard network: VASP registration covers anti-money-laundering rather than prudential supervision, but provides an EU regulatory reference point. Institutional BitGo custody with Lloyd's of London insurance adds protection on custodied crypto funds.
Fully custodial solution: private keys are held by Nebeus via partners such as BitGo and the user has no direct control over their assets. Full KYC is mandatory and there is no self-custody option: the sovereignty score is low.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Nebeus custodial or non-custodial?
Nebeus is a custodial platform: users' crypto is held through institutional partners such as BitGo, with Lloyd's of London insurance coverage, and private keys are not in the user's hands.
Which regions can use the Nebeus card?
The card and euro IBAN account are aimed at residents of the European Economic Area (EEA) and the United Kingdom; the Mastercard is accepted at over 90 million merchants worldwide.
Sources
- Official service page Payment network · Card issuance fee · ATM limits · Multivaluta · +6 Data verified on Jun 23, 2026
- thebanks.eu Azienda · Issuer · Licenses & registrations · Paese licenza Data verified on Jun 22, 2026
- todey.xyz Payment network · FX markup · ATM limits · Kyc · +2 Data verified on Jun 22, 2026