Nebeus Card
- 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, poorly designed
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Debit Card |
| Denominated In | € EUR£ GBP$ USD |
| Apple Pay | Not Enabled |
| Monthly Fee | 4.95 EUR |
| Monthly Inactivity Fee | 0.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~2.15% |
| Cashback | None |
| Daily Spending Limit | 5,000 EUR |
| Daily ATM Withdrawal Limit | 2,000 EUR |
| Foreign Exchange Fee | 0% |
| Crypto to Fiat Conversion | Auto on Every Purchase |
| Crypto Asset Management | Custodial (stores crypto keys on your behalf) |
| Supported Countries | AlandAlbaniaAlgeriaAndorraAnguillaAntarcticaAntigua and Barbuda |
| Supported Cryptocurrencies | 1INCHAAVEALGOAPEAVAXBCHBTCBUSDCELOCHZDASHEOSETHFTMGRT |
Your Nebeus Card: Supports almost every country and offers a 0% foreign exchange fee
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
- LU
IBAN Bank Account- in your name
Useful Card Structure:Nebeus Card functions like a debit card, but on the backend, it is classified as a credit card. This means that while you cannot borrow money with this card, it will work at places requiring pre-authorizations.
Nebeus Card is, 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 30% 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 Withdrawals | Second Card Number |
| Required for Car Rentals, Hotels | Instant Availability |
| Useful When Phone Dies, or no Wifi | Freeze for Safety |
| Backup Payment Method | Set Lower Spend Limits |
Cost to Order: 0 EUR | Cost to Order: 0 EUR |
You will find the physical Nebeus Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.
The back of Nebeus Card
| Card Issuer | Dzing Finance |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 53223737 |
| Validity Period | 5 years |
| Issuing Country | United Kingdom |
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 Fee | 2% |
| Sell Spread | ~0.15% |
| Transaction Fee | 0% |
| 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, KAST Card, WhiteBIT Card and BasedApp Card offer the cheapest crypto-to-fiat conversions (~0%, ~0.28% and ~0.5% 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 #63 out of 63 amongst all the crypto cards we have reviewed so far. This means it's one of the bottom 20%. 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 62 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 1,000 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 70% 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 62 competitors, here are the shortcomings of Nebeus Card:
- Apple Pay isn't enabled (while 70% 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 37,500 EUR daily spend limit on average).
- Lesser-known company with a 1.5/10 brand authority score (the average for all competing cards is 6/10).
- Their customer service is poor with a 5.5/10 score (competitors score 7.2/10 on average).
- Doesn't offer any free ATM withdrawals (in contrast to 40% of crypto cards which offer an average of 200 EUR free withdrawal allowance per month).
- Cost to withdraw cash from a local ATM is high at ~6.2% (comparing to the average of ~4.6% when withdrawing with other cards.)
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% | 2% |
| Asset Management | Custodial | Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 25 | 22 | 86 |
| Apple Pay | Not Enabled | Enabled | Enabled |
| Customer Service | Average | Average | Great |
| Brand Authority | Less-Known | Less-Known | Well-Known |
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:
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?
No, it doesn't. Which is a shame, because 40% of competing cards offer free ATM withdrawals, typically allowing up to 200 EUR per month without fees.
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:
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 181.71 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 Card | Cost 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) | ~18.6 EUR (9.3% of 200 EUR) |
From all crypto cards that we reviewed, Trade Republic Card, Holyheld Card and Bit2Me Card offer the cheapest local ATM withdrawals (2.2%, 2.5% 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.
We Tested Nebeus's Customer Support
We asked Nebeus's customer support different questions, and then rated their responses to evaluate how good their support is.
Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.
Nebeus offers support via the following channels:
| Chat | https://support.nebeus.com/ |
| Web Form | https://support.nebeus.com/portal/en/newticket |
Location: Nebeus customer service reps are located in 
Spain.¹
| Support Channel | Our Interaction | Score |
Web Form (replied in 6 h 35 min) | Did not directly answer whether they offer cashback or not, replied about referral program instead. | Low Competence Not Personalized Poor English, Formal Tone 2.5/10 |
Chat (replied in 3 min) | Could not answer a simple question ('What is crypto-to-fiat conversion fee?'), even after long back and forth messaging. | Low Competence Not Personalized Adequate English, Professional Tone 4/10 |
Web Form (replied in 1 d 22 h ) | Gave an answer but without confidence, answered only 1 question out of 2, linked to FAQs instead of directly stating what the fees were. | Low Competence Not Personalized Adequate English, Professional Tone 4/10 |
Web Form (replied in 15 h 38 min) | Very short, to the point reply about 3ds security feature. Could have included more details. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
Chat (replied in 4 min) | Replied in a few mins, but after that it took a long time for replies. Chat disappears if minimized or returned to app, which is really bad user experience. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
To summarize,
Competence and Problem-Solving: Nebeus's customer service lacks in competence, often providing unhelpful responses, which is a red flag.
Customer Love: You will not get addressed by name and answers to your questions will be generic. Nebeus's customer support agents do not make an effort to personalize their replies.
Reply Speed: Response times are inconsistent, ranging from as quick as 3 minutes to as slow as 2 days.
Overall Customer Service Rating: 5.5/10
With this score, Nebeus's Customer Service is poor, comparing to other crypto cards, which score an average of 7.2/10.
Nebeus Card supports 190+ countries
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, Andorra, Anguilla, Antarctica, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bermuda, Bhutan, Bolivia, Bonaire, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Canada, Cayman Islands, Chad, Chile, 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, 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, Macedonia, Madagascar, Malawi, Malaysia, Maldives, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mayotte, Micronesia, Moldova, Monaco, Montenegro, Montserrat, Morocco, Mozambique, Namibia, Nauru, Nepal, 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, 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, Türkiye, 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 12 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Valuable Points. What's My Next Step?
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.
