SpainOverview
Nebeus, at a glance.
Nebeus is a crypto platform headquartered in Spain, regulated by FCA, CNV. The company behind Nebeus is Rintral Trading, S.L.U. (Barcelona, tax ID B66096686); accounts are provided by a partner payment institution assigned at activation: Fiat Republic Netherlands B.V., FreemarketFX Ireland Ltd or Quicko Sp. z o.o. Business accounts cost €0 a month. Opening an account takes a day or more.
Nebeus is not a bank or an e-money issuer for this account. Its IBAN terms say Rintral "does not hold customer funds": the partner institution that issues the IBAN holds and safeguards the euros, and they "are not covered by national deposit guarantee schemes". Nebeus says it is authorised by Spain's CNMV as a crypto-asset service provider under MiCA, but on 3 November 2026 Rintral Trading was not on the CNMV's list of crypto-asset service providers or in ESMA's MiCA register. Nebeus's UK e-money firm (Nebeus Solutions Limited, formerly Dzing Finance) has agreed with the FCA not to take on new business or retail customers; it does not issue this IBAN.
Why businesses pick Nebeus
- A named EUR IBAN in the company's name, with no opening or monthly fee
- Move between euros, stablecoins and crypto in one account, with crypto custody by BitGo
- Free incoming SEPA transfers and €3.50 per outgoing transfer
- Exchange fee falls from 0.50% to 0.20% as monthly turnover rises
- Online sign-up, a dedicated account manager, and a mass-payout API
- Built for merchants, PSPs, money services businesses and Swiss SRO firms that need a crypto on/off-ramp
Watch out for
- Own-name payments only: no paying suppliers, no receiving from customers, no consumer payments
- EUR and SEPA only; the IBAN terms say SEPA Instant, SWIFT and multi-currency are not supported, although the page advertises them
- Nebeus's MiCA authorisation is not on the CNMV or ESMA registers as of 3 November 2026
- Its UK e-money firm is under FCA undertakings not to onboard new customers
- The IBAN issuer is named only at activation, and Nebeus may choose any of three partners
- Long restricted list (128 countries, including the Netherlands, Hungary and the United States)
Business fit
Will Nebeus accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on Nebeus's published rules
Likely fit
Nebeus lists both United Kingdom companies and Merchants as accepted.
Nebeus does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What Nebeus publishes about the businesses it takes on.
Who Nebeus serves
- Crypto
- Financial institutions
- Marketplaces
- Import and export
All 9 industries on Nebeus's accepted list
- Merchants
- PSPs and acquirers
- Money services businesses
- Swiss SRO financial intermediaries
- Exchanges and VASPs
- Web3 studios and DAOs
- Payroll and affiliate programs
- Marketplaces
- Import/export businesses
Not supported
Industries and countries Nebeus does not accept, from its own published lists.
Industries
- Money laundering, terrorist financing, fraud, tax evasion or any form of financial crime
- Trade of restricted or illegal goods and services, including drugs, weapons, human trafficking, counterfeit products, or digital contraband
- Transmitting funds on behalf of third parties without appropriate authorization or licensing, or acting as an unregistered financial intermediary
- Circumventing international sanctions, embargos, or financial restrictions
Countries
- Not published
Coverage
Where can you use Nebeus?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
EUR, plus crypto and stablecoins
Local account details
1 currency
Account details in your company's name for receiving and paying on the country's own network, without SWIFT.
EUR · Euro area · IBAN (SEPA)
Virtual IBAN from the partner institution assigned at activation; own-name transfers only
Fiat on the IBAN · 1 currencies
- EURLocal
Nebeus advertises settlements in 29+ currencies; its IBAN terms say the IBAN handles EUR SEPA credit transfers only. Other currencies are crypto, held in the crypto account.
Payment reach
Not published
Who can apply
Company incorporation countries33 countries · show list
- Australia
- Austria
- Belgium
- Canada
- Czechia
- Denmark
- Estonia
- Finland
- France
- Germany
- Iceland
- Ireland
- Japan
- New Zealand
- Norway
- Sweden
- Brunei
- Chile
- Greece
- Italy
- Lithuania
- Luxembourg
- Monaco
- Poland
- Portugal
- San Marino
- Slovakia
- Slovenia
- South Korea
- Spain
- Switzerland
- Taiwan
- United Kingdom
Owner nationality
Not publishedOwner residency
Not publishedCompany types
Registered legal entities
Pricing
What does Nebeus cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
Free
Monthly fee
Free
Conditions
A month, after 12 months without activity
Business Crypto IBAN
€0 per month
€0 setup · €0 in year one
Transaction fees
| Cost | Listed amount | How it is charged |
|---|---|---|
| Incoming | ||
| SEPA | Free | No charge |
| Outgoing | ||
| SEPA | €3.5 | Fixed fee · To accounts in the company's own name; minimum €5 |
Other fees
Crypto
| Cost | Listed amount | How it is charged |
|---|---|---|
| On-ramp (fiat to crypto) | 0.5% | Percentage of the amount · Up to €1.5m monthly turnover; 0.40% to €3m, 0.30% to €5m, 0.20% above |
| Off-ramp (crypto to fiat) | 0.5% | Percentage of the amount · Up to €1.5m monthly turnover; 0.40% to €3m, 0.30% to €5m, 0.20% above |
Onboarding
From application to live account.
Same day, says Nebeus; its IBAN terms say activation may take several business days
- 1
Sign up as a business
Apply on app.nebeus.com (business sign-up) or request a business account from a personal Nebeus account.
- 2
Company checks
Give the company's details, documents, expected monthly volume and source of funds. Nebeus reviews the application and contacts you to confirm.
- 3
Order the IBAN
Accept the IBAN terms; Nebeus assigns a partner institution, names it at activation and issues the IBAN.
- 4
Fund and use it
Top up from the company's own bank account, convert between euros, stablecoins and crypto, and withdraw to accounts in the company's name.
Documents you need
- Contact name and email of the authorised representative
- Legal name, registration number and registration date of the entity
- Business website and description of activity and intended use
- Company certificate
- Estimated monthly volume
- Source of funds documents
- Registered business address
- Tax residency
- Company bank details
- Bank statements for the last three months
- Questionnaire
FAQ
Your questions, answered.
Can I pay suppliers or receive customer payments with a Nebeus business IBAN?
No. Nebeus says the Business Crypto IBAN sends and receives payments "only between accounts held in your own company's name" and that third-party payments and payments to or from consumers are not supported. Nebeus offers separate Linked Business Accounts, issued by Fiat Republic Netherlands B.V., for payments to and from third parties.
Who issues the Nebeus IBAN?
A partner payment institution, chosen by Nebeus and named when the IBAN is activated. Nebeus's IBAN terms name Fiat Republic Netherlands B.V. (De Nederlandsche Bank), FreemarketFX Ireland Ltd (Central Bank of Ireland) and Quicko Sp. z o.o. (Polish KNF). Rintral Trading, which runs Nebeus, says it is not a bank or e-money issuer and does not hold customer funds.
Is Nebeus authorised under MiCA?
Nebeus says Rintral Trading, S.L.U. is authorised by Spain's CNMV as a crypto-asset service provider under MiCA. On 3 November 2026 it was not on the CNMV's list of crypto-asset service providers or in ESMA's interim MiCA register, so the authorisation could not be confirmed. Rintral Trading is registered in Argentina as a virtual asset service provider (CNV PSAV 145).
What about Nebeus's UK licence?
Nebeus Solutions Limited (FCA 900993, formerly Dzing Finance Ltd) is an authorised e-money institution. The FCA register lists two voluntary undertakings: since October 2023 it may not take on new retail customers, and since March 2024 it may not onboard new corporate customers or accept new funds from existing ones without the FCA's agreement. It does not issue the business IBAN.
How much does the Nebeus business IBAN cost?
No opening or monthly fee. Incoming SEPA transfers are free; outgoing SEPA transfers cost €3.50. Exchanging between crypto and euros costs 0.50% up to €1.5 million of monthly turnover, falling to 0.20% above €5 million. After 12 months without activity, €4 a month is charged.
Which companies can get the IBAN?
Companies registered in one of 33 countries Nebeus lists, including Spain, Germany, France, Italy, Switzerland, the United Kingdom, Canada, Australia, Japan and South Korea. Nebeus also restricts account creation in 128 countries; that list includes the Netherlands, Hungary and the United States.
Alternatives
How Nebeus compares.
If Nebeus is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 NebeusThis pageCrypto platform |   | StablecoinsOwn-name payments only |
 Fiat RepublicE-money institution |  | Crypto platformsAPI |
| BVNKE-money institution |  | StablecoinsEnterprise |
 BankeraPayment account provider | Not published | Crypto-friendlyHigh-risk industries |
 DeblockE-money institution |  | French IBANStablecoins |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.