Nebeus Card

#48 (out of 48) in Crypto Cards
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Overall Rating
Company Strength
Fee Structure
Customer Service
  • Almost every country supported
  • Works with Curve, so Apple Pay can be used if you're in EEA
  • No cashback
  • High monthly fee
  • Buggy App
Visa or MC
Debit or Credit

Debit Card

Denominated In€ EUR£ GBP$ USD
Apple PayNot Enabled
Monthly Fee

4.95 EUR

Monthly Inactivity Fee

0.00 EUR

Crypto to EUR Crypto->EUR Conversion Cost




Daily Spending Limit

5,000 EUR

Daily ATM Withdrawal Limit

2,000 EUR

Foreign Exchange Fee


Crypto to Fiat Conversion

Auto on Every Purchase

Crypto Asset Management

Custodial (stores crypto keys on your behalf)

Supported CountriesShow All (207)

Nebeus Card Benefits and Rewards

Nebeus card does not offer cashback rewards or any additional incentives for using the card.

Nebeus Card is a Debit Card

  • Debit Card
  • Credit Card
  • Prepaid Card
  • LU88 8888 8888 8888 8888
  • Luxembourg flag IBAN Bank Account
  • in your name

Nebeus Card is a debit card, connected to your chosen asset account on Nebeus platform. Alongside, Nebeus offers you a personal bank account. You'll receive a Luxembourg-based IBAN bank account number issued in your name.

Not so Great:Third party senders cannot deposit funds into your Nebeus bank account - you can only receive deposits from accounts in your name. This means you will not be able to receive your fiat withdrawals from exchanges or receive salary payments.

It Comes in Both Physical and Virtual Forms

You can get Nebeus Card in both physical and virtual versions, a feature only available with 40% of crypto cards. They'll mail you the physical card, and you can instantly get the virtual card online after completing KYC Identity Verification.

Wondering about the perks of each card type? Here are some highlights:

Physical Card
Virtual Card
ATM WithdrawalsSecond Card Number
Required for Car Rentals, HotelsInstant Availability
Useful When Phone Dies, or no WifiFreeze for Safety
Backup Payment MethodSet Lower Spend Limits
Cost to Order:
Cost to Order:

You will find the physical Nebeus Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.

Crypto-to-EUR Conversion Cost with Nebeus Card

Nebeus Card Converts Your Crypto on Demand

Nebeus Card offers instant conversion to EUR at the time of purchase. This allows you to hold your crypto and exchange to real-life currency only when you need to. No need to pre-convert your cryptocurrencies or preload the card.

Crypto to Fiat Conversion Fee2%
Sell Spread~0.15%
Transaction Fee
Total Crypto to EUR Cost~2.15%

Reality Check:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with Nebeus Card will cost you about the same (~2.15%).

From all crypto cards we reviewed, WhiteBIT Card, Holyheld Card and Card offer the cheapest crypto-to-fiat conversions (~0.28%, ~0.5% and ~0.75% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.

How Does Nebeus Card Compare to Other Crypto Cards?

Nebeus Card ranks #48 out of 48 amongst all the crypto cards we have reviewed so far. This makes it the last on the list. But don't rush to judge, our rating is based on company strength, fee structure and customer service - if this card supports your country while others don't, or you use their other services, this card may still be a good choice for you.

Strongest Features Against Competitors

Here are the strongest features of Nebeus Card against its 47 competitors:

  • Has a Foreign Exchange Fee of 0% (other cards have 1.5% average).
  • Provides a substantial ATM widthdrawal allowance of 2,000 EUR per day (average amongst other cards is only 700 EUR).
  • Doesn't require preconverting of your crypto, converts needed amount automatically on every purchase (while 60% of competing crypto cards require you to preload card in advance).
  • You can get both a physical card and a second virtual card (while 60% of competing crypto cards offer only one type - either physical or just virtual).
  • Available for residents of United States.

Weakest Features Against Competitors

Compared to its 47 competitors, here are the shortcomings of Nebeus Card:

  • Apple Pay isn't enabled (while 60% of competing crypto cards have it).
  • Doesn't offer any cashback (while other cards give an average of 4%).
  • Daily spend is capped at 5,000 EUR (while other cards offer 12,500 EUR daily spend limit on average).
  • Less-known company with a 2/10 company strength score (the average for all competing cards is 6/10).
  • Their customer service is poor with a 3.1/10 score (competitors score 7.5/10 on average).
  • Nebeus Card vs. NAGA Pay Card vs. Nexo Card

    Nebeus Card
    NAGA Pay Card
    Nexo Card
    Monthly Fee 4.95 EUR 0.00 EUR 0.00 EUR
    Crypto to Fiat Cost ~2.15% ~3.59% ~0.75%
    Highest Cashback None up to 3% up to 2%
    Entry-Level Cashback None 0.5% 0.5%
    Daily Spending Limit 5,000 EUR 7,700 EUR 10,000 EUR
    Daily ATM Limit 2,000 EUR 300 EUR 2,000 EUR
    Foreign Exchange Fee 0% 2% 0.5%
    Asset Management Custodial Custodial Custodial
    Availability for United States flagUnited States
    Supported Cryptocurrencies 25 22 63
    Apple Pay Not Enabled Enabled Enabled
    Customer Service Bad Average Great
    Company Strength Weak Weak Strong

    If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Nexo Card offers the highest daily spending limit of 10,000 EUR. You will get lower daily limits with Nebeus Card and NAGA Pay Card.

    Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, NAGA Pay Card offers the best cashback rewards of up to 3%. The cashback rewards for Nexo Card are not as high. With Nebeus Card, you will have no cashback rewards at all.

    To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.

Nebeus Card ATM Fees: The Real Cost of Cashing Out

Local ATM Withdrawals in EUR

Here's a breakdown of the fees you'll face when making local ATM withdrawals with your Nebeus Card:

You're at a local ATM and have:
0.0565 ETH (200 EUR)
-4.3 EUR
Nebeus Crypto-to-Fiat Conversion Cost: ~2.15%
-5.12 EUR
Nebeus ATM Withdrawal Fee: 1.5 EUR + 1.85%
-3 EUR
ATM Operator Fee: ~3 EUR
187.58 EUR

Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Nebeus Card will cost you a total of ~12.42 EUR (6.2% of 200 EUR), resulting in a final cash withdrawal of 187.58 EUR in hand.

Doesn't Nebeus Card Offer Free ATM Withdrawals?

Yes, Nebeus offers free ATM withdrawals for up to 200 EUR per month, in line with the average limit of 200 EUR offered by other cards.

When they say 'free', they are only referring to their ATM Withdrawal Fee, which will be waived for the first 200 EUR withdrawn per month. In our example, if you withdraw 200 EUR, this waiver saves you 5.12 EUR, reducing your local ATM withdrawal cost to around 7.3 EUR, compared to the standard cost of approximately 12.42 EUR.

International non-EUR ATM Withdrawals

Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your Nebeus Card, here's what it will look like:

You're at an international ATM and have:
0.0565 ETH (200 EUR)
-4.3 EUR
Nebeus Crypto-to-Fiat Conversion Cost: ~2.15%
-5.12 EUR
Nebeus Intl ATM Withdrawal Fee: 1.5 EUR + 1.85%
-0 EUR
Nebeus Foreign Exchange Fee: 0%
-1.96 EUR
Mastercard Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-3.91 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 177.41 EUR)

For an international withdrawal using your Nebeus Card with an initial 200 EUR in ETH, you'll incur fees totaling ~18.29 EUR (9.1% of 200 EUR), leaving you with 177.41 EUR in the equivalent foreign currency.

Reality CheckOverall, Nebeus Card is more expensive than other cards for local ATM withdrawals and slightly cheaper for international ATM withdrawals:

Cost with Nebeus CardCost with Other Cards
Local ATM Withdrawals~12.4 EUR (6.2% of 200 EUR)~9.2 EUR (4.6% of 200 EUR)
International ATM Withdrawals~18.2 EUR (9.1% of 200 EUR)~18.4 EUR (9.2% of 200 EUR)

From all crypto cards that we reviewed, Holyheld Card, Netcoins Card and Bit2Me Card offer the cheapest local ATM withdrawals (2.5%, 2.6% and 2.7% of 200 EUR respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 9% of 200 EUR.

Is Nebeus Card Available for Residents of United States?

Yes, Nebeus Card is available for residents of United States.

Nebeus Card supports the following countries: Aland, Albania, Algeria, American Samoa, Andorra, Angola, Anguilla, Antarctica, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bermuda, Bhutan, Bolivia, Bonaire, Botswana, Brazil, British Virgin Islands, Brunei, Bulgaria, Burkina Faso, Cambodia, Cameroon, Canada, Cayman Islands, Chad, Chile, Christmas Island, Cocos Keeling Islands, Comoros, Cook Islands, Costa Rica, Croatia, Curacao, Cyprus, Czech Republic, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Estonia, Falkland Islands, Faroe Islands, Fiji, Finland, France, French Guiana, French Polynesia, French Southern Territories, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, Guyana, Honduras, Hong Kong, Hungary, Iceland, India, Indonesia, Ireland, Isle of Man, Israel, Italy, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kuwait, Kyrgyzstan, Laos, Latvia, Lesotho, Liberia, Liechtenstein, Lithuania, Luxembourg, Macao, Macedonia, Madagascar, Malawi, Malaysia, Maldives, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mayotte, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Montserrat, Morocco, Mozambique, Namibia, Nauru, Nepal, Netherlands, New Caledonia, New Zealand, Niger, Nigeria, Niue, Norfolk Island, Northern Mariana Islands, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Pitcairn Islands, Poland, Portugal, Puerto Rico, Qatar, Reunion, Romania, Rwanda, Saint Barthelemy, Saint Helena, Saint Lucia, Saint-Martin, Samoa, San Marino, Sao Tome and Principe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands, South Africa, South Georgia and 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, Turkey, Turkmenistan, Turks and Caicos Islands, Tuvalu, U.S. Virgin Islands, Uganda, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Vatican City, Vietnam, Wallis and Futuna, Western Sahara, Zambia.

To see our list of available crypto cards for United States, see this list. There are currently 8 cards listed there.

You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.

Nice Details. What's My Next Step?

Paulina Masson

Paulina Masson

Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.

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