Nebeus is a European crypto finance platform - wallet, exchange, crypto IBAN, loans and vaults - and its card ties those threads into everyday spending. The pitch is straightforward: hold crypto and fiat in one account, spend either of them at 90 million-plus merchants without converting first.
One balance, four currencies, any asset
You can fund the account with crypto or with EUR, GBP and USD, and the card spends from that balance with automatic foreign-currency exchange at the till. The virtual card activates in a single tap so you can spend while the physical card is on its way, and issuance is free. ATM withdrawals are capped at EUR 2,000 a month, which is enough for casual cash access but not for a cash-heavy month.
The operator and its licences
Nebeus describes itself as a multi-jurisdictional fintech group: authorised under MiCA by Spain's CNMV, licensed as an Electronic Money Institution in the UK, registered as an SRO in Switzerland, and as a VASP and payment institution in Argentina. The card is issued by Quicko Sp. z o.o., a licensed Polish financial institution - the same issuer behind the Mercuryo Spend Card already in this directory, which is a useful signal about how the programme is actually run.
Where it fits
Nebeus is a platform play rather than a card play: the card is the spending exit, while the interesting products sit behind it - crypto-backed loans for liquidity without selling, an IBAN for euro transfers, insured cold storage, and crypto renting that pays up to 12% with daily rewards. If you're weighing that against dedicated providers, our crypto lending platform directory covers the alternatives. Card costs beyond free issuance aren't published on the card page, so confirm rates in-app before relying on them.
