What is Nebeus?
Nebeus is a regulated crypto-finance platform founded in 2014 by Sergey Romanovskiy. Based in Barcelona and operating across Europe and the UK, it bridges traditional finance and crypto through a single account — letting you borrow against your crypto, earn yield by renting it out, exchange between crypto and fiat, and send money internationally.
The platform has grown considerably since its early days. As of 2025, Nebeus has over 200,000 registered users, has processed nearly €600M in combined crypto and fiat volume, and reported 6× year-on-year revenue growth in 2024. In September 2025, the company overfunded a Republic Europe equity crowdfunding campaign, raising €3.6M from over 430 backers at a €50M pre-money valuation.
It holds an Electronic Money Institution (EMI) license in the UK, is registered as a Virtual Asset Service Provider (VASP) with the Bank of Spain, and holds licenses in Argentina. The platform is also preparing for full MiCA compliance as EU regulations come into effect.
Who Is Nebeus For?
Nebeus suits three types of users in particular:
- Long-term crypto holders who want to borrow cash against their BTC or ETH without selling.
- Yield seekers looking to earn passive income on crypto they’re already holding.
- Digital nomads and international users who need a multi-currency IBAN account that works seamlessly with crypto.
Crypto-Backed Loans
This is Nebeus’s core product. You deposit crypto as collateral and borrow fiat or stablecoins against it — keeping full upside exposure to your assets while accessing liquidity.
Nebeus offers several loan structures, which is more flexibility than most platforms in this space:
- Quick Loan — Instant, pre-approved loans from Nebeus’s own treasury. Simple and fast.
- Flexible Loan — Fully customizable terms. Borrow up to 70% LTV for up to 36 months, with amounts up to €250,000.
- StableLoan — For stablecoin collateral, Nebeus offers up to 95% LTV at a low interest rate starting at 4%. One of the highest LTVs available anywhere for stablecoin-backed loans.
- Interest-Only Loan — Pay only monthly interest and settle the principal at the end of the term.
- Bullet Loan — No monthly payments at all. You pay both interest and principal in a single lump sum at the end.
- Mirror Loan — Designed to increase your crypto exposure by borrowing to buy more collateral. A leveraged position, in effect.
Interest rates are fixed for the duration of the loan term. Short-term loans at low LTV can start from 0%. All borrowed funds land directly in your Nebeus account, which comes with a personal IBAN — so you can pay rent, invoices, or taxes straight from it via SEPA.
For comparison, other well-known platforms in this space like YouHodler and Nexo offer similar crypto-backed lending structures, but Nebeus’s StableLoan and Bullet Loan options give it a distinct edge for certain strategies.
Earn: Crypto Renting
If borrowing isn’t on your radar, Nebeus also lets you put your crypto to work through its Crypto Renting program — you lend your assets to the platform and earn yield in return.
Current rates as of early 2026:
- Juniper — Minimum 0.0025 BTC or 0.03 ETH, term of 1+ month, earns 3.5% per year.
- Sequoia — Minimum 0.12 BTC or 3 ETH, term of 4+ months, earns 6.75% per year.
- Stablecoin programs — Up to 12% APR on USDC and EURC (Baobab plan), or 9% APR (Bonsai plan).
You can withdraw earnings every 24 hours, and Nebeus now lets you receive rewards in a different cryptocurrency from the one you rented out — useful if you want to accumulate a specific asset.
Staking
Nebeus has also added a staking product, offering up to 7.5% per year on assets including AVAX, XRP, and LTC. It’s a simple, accessible way to earn on proof-of-stake assets without running your own validator.
IBAN Account and Transfers
Every Nebeus account comes with a personal IBAN, making it practical for everyday use beyond just crypto. You can:
- Send money to over 150 countries
- Receive SEPA transfers for free
- Pay bills, rent, or invoices directly from your account
- Top up mobile phones across 500+ operators worldwide
Transfer fees: 2.8% for international transfers (minimum €5, maximum €3,500 per transaction). SEPA withdrawals cost 1% with a €7 minimum. SEPA deposits are free.
Exchange
You can buy and sell crypto directly within your Nebeus account. Supported assets include BTC, ETH, USDT, and USDC, with exchange to EUR, USD, or GBP. The exchange fee is up to 0.35%.
You can fund purchases via SEPA bank transfer, which converts funds to crypto within one business day.
Deposits
- Visa/Mastercard: 2.90% fee per transaction
- SEPA deposit: Free
- Cash at retail locations: 6.50% fee (230,000+ locations and post offices)
- Wire transfer: Free
Security and Custody
Nebeus stores collateral with BitGo, one of the largest institutional digital asset custodians in the world with $64 billion in assets under custody. The custodial arrangement is backed by a $250 million insurance policy underwritten by a syndicate of Lloyd’s of London insurers — a meaningful step up from the $100M figure cited in earlier reviews.
In addition to institutional custody, Nebeus offers optional vault insurance for your own holdings:
- Single Insurance — €4/month, covers one cryptocurrency
- Full Insurance — €6.90/month, covers your entire vault
Opening a Nebeus Account
Sign-up requires your name, email, password, and country. KYC verification takes around 24 hours and involves a selfie, a photo of your ID document, and proof of address. Once verified, all features are unlocked.
Nebeus supports a wide range of countries, including many that major platforms exclude. The app is available in English, Spanish, and German.
Customer Support
There is no live chat. Support goes through a help center and ticket system. Response times have historically been reasonable, though the Zoho Desk email replies can look like spam if you’re not expecting them — worth adding their address to your contacts after submitting a ticket.
What’s Changed Since Our Last Review
The original review was written in 2021. A lot has changed:
- Nebeus now holds an FCA EMI license (UK) after acquiring a licensed entity, plus VASP registration with the Bank of Spain
- Custody has moved to BitGo with a $250M insurance policy (up from $100M)
- New loan types: StableLoan, Bullet Loan, Interest-Only, and Mirror Loan
- Staking added for AVAX, XRP, LTC, and others
- Stablecoin renting programs up to 12% APR
- The Nebeus Mastercard (teased in 2021) is now part of the roadmap via the EMI license acquisition
- Over 200,000 users and €600M+ in processed volume
- €3.6M raised in a 2025 equity crowdfunding round
Verdict
Nebeus has matured from a scrappy Barcelona-based startup into a genuinely regulated crypto-finance platform with real traction. The core proposition — borrow against your crypto, earn yield on it, and move money internationally — remains sound, and the product lineup has expanded meaningfully.
The loan options are particularly strong. The StableLoan at 95% LTV and the Bullet Loan structure aren’t features you’ll find everywhere. If you’re a long-term holder who wants liquidity without selling, or someone earning meaningful yield on stablecoins, Nebeus is worth a serious look.
The main caveats are the same as they’ve always been: no live chat support, and the platform is still building name recognition compared to Nexo or YouHodler. But the regulatory foundation is solid and the growth metrics are hard to argue with.
Related
hi I am here cause I am a crypto investor and know that after a bull run there is a bear and we must park our bags to limit the loss
or sell all bags and use a usdt yield to bring a passive income till next bull run
my biggest worries are how regulated are they
how am I insured they will be safe with my money
and will they become like Celsius were they became bankrupt and ran away with our funds
I this crypto world there is so many bad actors
lets look at ftx were people trusted them with millions
btw thank you for the article and for your response
Thank you Jean for the article, however, I can’t help but notice that there are a lot of negative reviews on Trustpilot, with people complaining that they can’t access or get their deposited money back.
I have reached out to Nebeus to see what’s going on there. I suspect the onerous AML regulations introduced by the EU will make life increasingly difficult for such platforms. Will update when I get a reply.
Nebeus got back to me confirming my suspicions. The complaints are mostly about delays in money transfers since banks are now being pressured by the EU on AML (another topic altogether), which results in some users having to provide additional documentation in order to continue operating. This is of course not a pleasant situation for both user and platform, but it is necessary given the laws. Interestingly, other platforms like N26, Coinbase and Kraken have a similar slew of bad reviews on Trustpilot.
At this point, I am inclined to believe the reasoning provided by Nebeus. I would also advise that users be proactive before transferring funds related to crypto to any bank. You will in most cases be required to provide documentation regarding the source of those funds, transactions etc. So it’s better to be proactive and have everything prepared beforehand, where possible. If you have any doubts whether the documentation you have is enough, it’s better to speak to the bank about what you intend to do before you actually do any transfers.
Muy buen análisis sobre Nebeus.
Es poco conocido aún y se agradecen este tipo de artículos.
Llevo usándolo un par de meses desde España y muy contento hasta ahora.
Un saludo y enhorabuena por la página.