Quppy vs Nebeus: Crypto IBANs, Fees and Services Compared

Quppy and Nebeus both pair a euro IBAN with crypto services, but they are built for different users. Nebeus adds crypto-backed loans, renting and staking to a virtual IBAN and wallet; Quppy focuses on EUR and GBP account features and a custodial crypto wallet. This comparison of Quppy vs Nebeus uses only what each company publishes, so you can judge them on facts rather than ratings.

Information about Nebeus is taken from its official website as of October 2026 and may change; check its current terms before you decide.

Key takeaways

• Nebeus offers more crypto products: 30+ assets, crypto-backed loans, renting and staking, and a virtual Mastercard you can use today. Quppy cards are waitlist only.
• Nebeus's terms say its loans, renting and staking come from Rintral Capital, S.L.U. and are not regulated under MiCA. Quppy's EEA crypto services come from Payhound Limited, a MiCA-authorised CASP.
• Nebeus's help centre lists free SEPA top-ups and €3 per SEPA withdrawal on personal accounts. Quppy charges no transfer fee on supported EUR and GBP transfers.
• Nebeus describes its virtual IBANs as for transfers in your own name only. Quppy adds GBP routes, though incoming GBP is not currently available.
• If you search for "Nebeus Erfahrungen", the most reliable checks are the terms, the fee pages and the official registers, not star ratings.

Quppy vs Nebeus at a glance

Regulation and who provides what

Both companies use more than one legal entity, so the first step is to see who provides each service.

Nebeus's terms of use, effective 28 October 2026, say the platform is operated by Rintral Trading, S.L.U., a Barcelona company, which provides custody of crypto-assets, reception and transmission of orders, and crypto transfers. Orders are passed to an executing venue. The same terms say renting, staking and loans are provided by a second company, Rintral Capital, S.L.U., and that these services are not regulated under MiCA, so users of them do not have the same protections. Fiat accounts, IBANs and cards are provided by authorised e-money, payment or credit institutions, listed in Nebeus's help centre.

Quppy is a technology and software provider, not a bank, and does not hold a MiCA authorisation itself. In the EEA, its crypto custody, exchange and transfer services come from Payhound Limited, a crypto-asset service provider authorised under MiCA by the Malta Financial Services Authority and listed on ESMA's interim MiCA register. Euro SEPA processing comes from 2PAYAPP LIMITED. See who provides Quppy's crypto services in the EEA.

Whichever service you choose, look up the named entity yourself on the national regulator's register and on ESMA's interim MiCA register. Our guide shows how to check a MiCA-authorised crypto platform step by step.

IBAN, transfers and fees

Nebeus offers virtual IBANs for SEPA transfers. Its help centre says they are for personal use: you can fund your account and withdraw in your own name, but transfers to or from third-party accounts are not supported. It lists SEPA top-ups as free, SEPA withdrawals at €3 per transfer for personal accounts and €3.50 for business accounts, no monthly fee, and processing of up to 24 hours. Eligibility depends on your country of residence.

Quppy provides multicurrency IBAN functionality for EUR and GBP. It supports SEPA Standard and SEPA Instant for euros and Faster Payments and CHAPS for pounds, where enabled for your account, and charges no Quppy transfer fee on currently supported EUR and GBP transfers. Currency exchange, crypto exchange and network costs are separate. Incoming GBP payments are not currently available. Read more in What is the Quppy crypto-friendly multicurrency IBAN? and our explainer on what a crypto-friendly IBAN is.

On funding, Nebeus lists Visa and Mastercard cards, Apple Pay and Google Pay alongside bank and crypto transfers. Quppy does not currently support adding money by bank card.

Crypto, loans and cards

Assets. Nebeus lists 30+ crypto-assets, from Bitcoin and Ethereum to XRP, Cardano and Stellar. Quppy supports a shorter list: BTC, ETH, USDC on Ethereum and TRX, with USDT available only outside the EEA and Solana support coming soon. See which crypto-assets Quppy supports.

Loans and yield. Nebeus offers crypto-backed loans, renting and staking. Rates and terms depend on the product, so read the specific terms and its fee pages, and note what its terms say about MiCA coverage. Quppy does not list lending or yield products.

Cards. Nebeus offers a virtual Mastercard for verified personal accounts, usable online and with Apple Pay or Google Pay; its help centre says it does not issue physical cards. Quppy cards are coming soon, and only a waitlist is open.

Nebeus Erfahrungen: what you can check instead of reviews

People searching "Nebeus Erfahrungen" usually want to know whether the service is real, regulated and suitable. Reviews can't answer that reliably, but these published facts can:

• Company: Nebeus says it was founded in 2014 and has its headquarters in Barcelona and London. Its terms name Rintral Trading, S.L.U. as operator.
• Terms: the terms of use were updated on 28 October 2026 and separate MiCA services from the unregulated loans, renting and staking.
• Availability in Germany and Austria: both appear in Nebeus's list of countries eligible for virtual IBANs.
• Fees: IBAN fees and limits are published in its help centre.

Apply the same checks to Quppy: its Trust Center names each provider and its fees page explains what is and is not free.

Which one fits you

Nebeus is likely the better fit if you want to borrow against your crypto or earn on it, need a card today, want card or Apple Pay top-ups, or hold assets beyond the major coins.

Quppy may fit better if you mainly move between euros, pounds and major crypto-assets, want no Quppy transfer fee on supported EUR and GBP transfers, and prefer your crypto custody, exchange and transfers handled by a MiCA-authorised provider named in the app. Check where Quppy is available before you sign up.