Nebeus Card vs SafePal Mastercard
Crypto enabled
Crypto native
Verdict
- SafePal Mastercard scores higher overall (6.5 vs 5.3 out of 10).
- SafePal Mastercard is clearly stronger on: Product features.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Nebeus Card is a good fit for
- No specific audience can be derived from the published data yet.
SafePal Mastercard is a good fit for
- Stablecoin holders
Stronger on: Product features
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Nebeus Card | SafePal Mastercard |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 3 | – |
| Availability | – | – |
| FX & international | – | 60 |
| Product features | 53 | 70 |
| Custody & security | 60 | – |
| Credit & financing | 30 | 30 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 3.7 | n/a |
| Best for Travel | n/a | 6.6 |
| Best for DeFi Users | n/a | 6.0 |
| Best for Stablecoins | n/a | 7.2 |
| Best for High Spenders | 3.9 | 6.1 |
| Best for Low Fees | 8.0 | 8.3 |
| Best for Beginners | 6.7 | 7.5 |
| Best E-Money Card | 6.8 | n/a |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit cardConditions apply: tap or hover for detailsShow source
Pays from the Nebeus current accounts; no own balance
Debit cardShow source
Network
MastercardShow source
MastercardShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Spends fiat and crypto accounts held at Nebeus
Card issuer / program manager
Fiat24 (Swiss IBAN account and fiat gateway; compliance and licensing)Conditions apply: tap or hover for detailsShow source
Offered in collaboration with SafePal; the page does not name the card issuer separately
Tiers / plans
Free · Plus · ProShow source
Fees
Annual fee
FreeShow source
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Free plan; Plus and Pro prices not stated
FreeShow source
Virtual card fee
FreeShow source
FX fee
1%Conditions apply: tap or hover for detailsShow source
Card payments settled in non-USD currencies
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
Standard deposit/top-up fee; crypto swaps carry a spread and gas fees
Transfer fee
FreeConditions apply: tap or hover for detailsShow source
Transfers to external banks; other banks may charge
Other fees & markups
Payments from an account in another currency are converted at the Nebeus sell rateShow source
Refund processing fee 1 USD / 1 EUR / 1 CHF / 7 CNH per refund, depending on payment currency · Gas fees on blockchain transactionsConditions apply: tap or hover for detailsShow source
Gas fees: the page states all financial transactions are conducted on the blockchain, which will result in gas fees
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
Free plan
Max cashback
1%Conditions apply: tap or hover for detailsShow source
Pro plan, up to €50 a month; Plus 0.5% up to €20 a month; only purchases paid from a crypto account
Cashback paid in
EURShow source
Cashback type
FiatShow source
Max cashback per month
€50/monthConditions apply: tap or hover for detailsShow source
Pro plan; Plus €20
Cashback conditions
Plus or Pro card plan · Only purchases paid from a crypto account count · Paid monthly around the 5th of the next monthShow source
Reward exclusions
Payments from euro or other fiat accounts · ATM withdrawals and cash · Money transfers and card top-ups · Crypto, quasi-cash, financial services and securities · Gambling · Card feesShow source
Credit & financing
Credit line
NoShow source
NoShow source
Availability
Account / spend currencies
USD · EUR · CHF · CNHShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Swiss IBAN via Fiat24
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
NoShow source
Virtual card
YesShow source
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Crypto is topped up as USDC
Blockchains
ArbitrumShow source
Limits
Spending limit
€5,000Conditions apply: tap or hover for detailsShow source
Per day; contactless 1,600 EUR per day
Annual cost at 1,500 EUR/month
Nebeus Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+0 EUR
- Net annual valuenot enough data
SafePal Mastercard
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers