Why look for a Nebeus alternative?
Nebeus is the trade name of Rintral Trading S.L., a Barcelona-based fintech founded in 2014 — the same year as Bit2Me — and part of the Money-4 Limited group (UK). Its proposition centres on crypto-backed loans of up to 95% LTV, a "crypto-friendly" IBAN for euros linked to crypto activity, and a renting (earn) service advertising up to 12–13% annual yield on stablecoins, plus an integrated exchange with 30+ cryptocurrencies.
Nebeus is registered with the Bank of Spain (PSC No. D664) and announced MiCA CASP authorisation from the CNMV in 2026. Bit2Me appears on the CNMV public register as an authorised CASP since 31 October 2025. Before deciding, check any provider's current registration on the CNMV or ESMA public register.
This guide compares both platforms using public, dated facts: regulation, security and custody, fees, catalogue and support. It is not a dismissal of Nebeus's model — it solves a real problem (liquidity without selling, an IBAN that accepts crypto) — but an honest comparison against the suite and regulatory track record of an exchange based in Spain since 2014.
Why so many people doubt Nebeus
MiCA CNMV announced — verify current registration
Nebeus announces CASP authorisation under MiCA from the CNMV in 2026. Confirm its current status on the CNMV/ESMA public register before long-term use.
Collateral locked during the loan, LTV up to 95%
Nebeus crypto-backed loans lock collateral until cancellation; with high LTV, a price drop can trigger a margin call or liquidation.
~30-asset catalogue, no Pro trading or Tax
Nebeus covers 30+ cryptocurrencies geared to loans and renting. It does not publish an advanced Pro trading product or integrated tax tools.
Public record
Reputation and documented facts about Nebeus
Sanctions, incidents or controversies recorded in official sources or verifiable media. Bit2Me does not pass judgment: we cite public facts.
The High Court of England and Wales issued a freezing order against Money-4 Limited (then trading as Nebeus.com) and its two founders, following a claim by a client over the disposal of 293.66 BTC and 400.4 ETH (worth approximately £1.5m at the time) that she had deposited to test the platform. The case, Vorotyntseva v Money-4 Ltd [2018] EWHC 2596 (Ch), was decided by the court, which granted the interim relief sought by the claimant.
Source: bailii.org
These records do not rule out the competitor being suitable in other contexts; they are part of the due diligence worth doing before depositing funds.
Verdict
Nebeus (Rintral Trading S.L., Barcelona) has offered crypto-backed loans since 2014, a "crypto-friendly" IBAN, renting/earn of up to 12–13% and an exchange with 30+ assets, with BitGo custody and Lloyd's insurance on Vault BTC/ETH. The company announced MiCA CASP authorisation from the CNMV in 2026 — worth verifying on the public register before deciding. Bit2Me is a CNMV-authorised MiCA CASP since October 2025, with 400+ cryptocurrencies, a 30+ product suite and multilingual phone support. If you need euro liquidity without selling crypto or an IBAN that accepts crypto-linked transfers, Nebeus solves that case; if you want a regulated exchange with a broad catalogue and 24/7 support, Bit2Me is the alternative.
Regulated by the CNMV · Support in your language · +1 million users · Promotion subject to terms
Nebeus vs Bit2Me: comparison
The dimensions that matter most to a retail user in Europe.
Before products: trust
Who you really deal with: Bit2Me vs Nebeus
An exchange isn't chosen on price or catalogue alone. Look at who answers for your money, from where and with what backing.
Bit2Me- Real HQ
- Spain (EU) — parent company, not a subsidiary
- Supervised by
- CNMV (Spain), under MiCA
- Operating since
- 2014, with no security incidents
- Who's behind it
- Backed by Tether, Telefónica, Bankinter and other institutions
Nebeus- Real HQ
- Barcelona, Spain (Rintral Trading S.L., trading as Nebeus; Money-4 Limited group, United Kingdom).
- Supervised by
- Bank of Spain (PSC registration No. D664); CNMV for the MiCA CASP authorisation the company announced in 2026 — verify current registration on the public register.
- Operating since
- 2014
- Who's behind it
- Private company founded in 2014; not publicly listed and with no recently announced institutional funding round.
| Feature | Bit2Me | Nebeus |
|---|---|---|
| Regulation and licencesDecisive | Bit2Me:Authorised MiCA CNMV CASP since 31-Oct-2025 — publicly verifiable registration, unlike Nebeus's announcement pending confirmation. | Nebeus:Registered with the Bank of Spain (No. D664); announces MiCA CASP authorisation from the CNMV in 2026 — verify current registration on the public register before long-term use. |
| Real HQ & jurisdictionDecisive | Bit2Me:A Spanish company headquartered in Spain (EU): you contract, file claims and are supervised before the CNMV, with no intermediary subsidiaries. | Nebeus:Spanish entity (Rintral Trading S.L.) with a UK operating parent (Money-4 Limited); MiCA CASP announced in 2026, pending independent verification on the CNMV register. |
| SecurityDecisive | Bit2Me:Bit2Me advantageFunds mostly in cold storage; operating without security incidents since 2014. Certified by independent audits: ISO 27001, 27701, 22301 and more. | Nebeus:Custody with BitGo and KYC/multi-signature; in 2018 a UK court issued a freezing order against Money-4 Limited (Nebeus's operating parent) and its founders over a dispute involving 293.66 BTC and 400.4 ETH deposited by a client. |
| Data protection (GDPR)Decisive | Bit2Me:Bit2Me advantageYour data is processed in the EU under the GDPR, with the safeguards of the European data-protection framework. | Nebeus:GDPR-compliant privacy policy published by Rintral Trading S.L.; no ISO 27701 certification announced. |
| Customer supportDecisive | Bit2Me:Bit2Me advantageMultilingual phone support available 24/7, versus Nebeus's office hours (Mon-Fri, 9am-5pm UK). | Nebeus:Support via email and support ticket; office hours (Mon-Fri, 9:00am–5:00pm UK time) for the card-issuing unit; independent reviews report slow responses. |
| Fund insuranceDecisive | Bit2Me:Assets in Bit2Me Custody are insured under a $150M policy. | Nebeus:BitGo custody insured by Lloyd's of London up to $250M — coverage limited to BTC/ETH deposited in its Vault product, not confirmed for the rest of the catalogue or for active loan collateral. |
| Buy in euros (SEPA/card) | Bit2Me:EUR purchases via SEPA and card, built for European users. | Nebeus:Own "crypto-friendly" IBAN accepting euros linked to crypto activity — a real problem for users whose transfers get blocked by traditional banks. |
| Products and servicesDecisive | Bit2Me:Bit2Me advantage30+ product suite (Pro, Earn, Card, Loan, Tax, Wallet) — beyond loans, IBAN and renting. | Nebeus:Crypto loans (5 types), renting/earn up to 12-13%, exchange and card — no advanced Pro trading or integrated Tax. |
| FeesDecisive | Bit2Me:Bit2Me advantageUp to 0% maker / 0.10% taker on Pro, with no origination fee or locked collateral. | Nebeus:Crypto-fiat exchange from 0.5% per trade (all-in); loans from 4% APR (StableLoan, 95% LTV) up to 16.5% APR, plus a 2% origination fee. |
| Withdraw to your own wallet | Bit2Me:Bit2Me advantageYou can withdraw your crypto to your own wallet whenever you want. | Nebeus:Custody with BitGo; the collateral of an active loan is locked until cancellation and cannot be withdrawn to your own wallet during the term. |
| Number of cryptocurrencies | Bit2Me:Bit2Me advantageOver 400 cryptocurrencies available. | Nebeus:Support for 30+ cryptocurrencies (BTC, ETH, SOL, XRP, LTC, DOGE and stablecoins). |
| Ease of use | Bit2Me:Guided onboarding and an app designed for the non-technical European user, with fast KYC. | Nebeus:Simple loan application (amount, collateral, term) and fast approvals per user reviews. |
| Languages | Bit2Me:Bit2Me advantageEuropean Spanish across product, legal documentation and phone support. | Nebeus:Legal and product documentation in English; interface available in several European languages, without native Spanish in support. |
| Corporate transparency | Bit2Me:Bit2Me advantage400+ listed cryptocurrencies, from established to emerging assets, available to buy, trade on Pro or use as Loan collateral. | Nebeus:Catalogue limited to ~30 established assets (BTC, ETH, SOL, XRP, LTC, DOGE, stablecoins) suitable as loan collateral; no emerging-asset listings. |
Bit2MeHow we made this comparison
We analyse regulation, security, support, fees and catalogue using public, verifiable information from both platforms, updated as of July 1, 2026. Bit2Me is the platform publishing this page, so we have deliberately included points where the competitor stands out, and we recommend always checking the data on the official websites before deciding.
Sources consulted (July 1, 2026)
Regulated by the CNMV · Support in your language · +1 million users
Why Bit2Me lets you sleep at night
When both platforms can be regulated in Europe, the decision moves to practical trust: where you contract, who answers you, how you move euros, and how easy it is to resolve a problem.
Crypto that doesn't stain you
Bit2Me complies with KYC/AML and is registered with the Bank of Spain: your operations don't mix with illicit-origin funds on a supervised platform.
Headquartered in Spain, not a tax haven
Bitcoinforme S.L. operates under European law with the CNMV as its direct supervisor.
Free, automatic tax report
Download it from the app or web for every tax year you've traded, at no extra cost. It generates itself from your activity.
No security incidents since 2014
Five consecutive independent audits back our operational soundness.
Human support in your language
24/7 support in your language, with a phone line (+34 910 91 37 88) and people — not bots — answering from Spain.
A platform that doesn't go down
Multi-region high availability, 24/7, 365 days a year, with ~100 ms average response.
Your funds, when you decide
Withdraw to your own wallet at any time. No lock-in, no penalty.
$150M insurance on custody
Assets in Bit2Me Custody are insured for $150M (USD), with segregated cold storage and multisig + HSM FIPS 140-2.
Nebeus and MiCA: from Bank of Spain registration to the announced CASP authorisation
Rintral Trading S.L. (Nebeus) is registered with the Bank of Spain under number D664 and announced MiCA CASP authorisation from the CNMV in 2026, per its site and Finextra.
Bit2Me has been authorised as a CASP by the CNMV under MiCA since 31 October 2025, per the public register. Both share the same Spanish regulator and founding year (2014); the comparison turns on suite depth, catalogue, fees and support — not an alleged regulatory vacuum. Even so, verify current registration on the CNMV or ESMA public register before long-term use.
Nebeus's BitGo custody and insurance versus Bit2Me's track record
Nebeus custodies Vault assets through BitGo and insures them with a Lloyd's of London policy of up to $250M on BTC/ETH when BitGo holds all private keys. Coverage is scoped to Vault BTC/ETH; it is not published that it equally covers active loan collateral. In 2018, a UK court issued a freezing order against Money-4 Limited (then Nebeus.com) and its founders over a dispute involving 293.66 BTC and 400.4 ETH deposited by a client (<em>Vorotyntseva v Money-4 Ltd</em> [2018] EWHC 2596 (Ch)).
Bit2Me has operated without security incidents since 2014, backed by five consecutive independent audits and ISO 27001, 27701 and 22301 certifications. Bit2Me Custody assets are insured under a $150M policy covering all custodied assets, not a specific product or pair.
Nebeus's loans, IBAN and renting versus the Bit2Me suite
Nebeus's flagship products are crypto-backed loans (five types, LTV up to 95% on StableLoan, 4–16.5% APR plus 2% origination fee), a "crypto-friendly" IBAN and renting advertising up to 12–13% on stablecoins.
Bit2Me adds a suite of 30+ integrated products — Pro, Earn, Card, Loan, Tax and Wallet — and 400+ cryptocurrencies, versus Nebeus's 30+. If your needs evolve from one-off liquidity to trading, tax filing and catalogue breadth, suite depth makes the difference.
Nebeus office hours versus Bit2Me's 24/7 phone line
Nebeus primarily provides support via email and ticket, with office hours of Monday to Friday, 9:00am–5:00pm UK time for the card-issuing unit; official documentation is in English. Independent reviews describe slow responses outside those hours.
Bit2Me complements digital channels with multilingual phone support, available 24/7, and a team familiar with SEPA, CNMV rules and migrations from other platforms — relevant if your loan or collateral needs urgent handling.
Who is Nebeus for, and who is Bit2Me for?
Nebeus fits someone who holds crypto and needs euros without selling — a loan, an IBAN that accepts crypto-linked transfers, or passive stablecoin yield. Bit2Me serves the same user when they also want to buy, trade on liquid pairs, withdraw to their own wallet with no collateral locked up, file taxes, or access a broad catalogue under one regulated account.
What getting liquidity costs: a Nebeus loan vs. selling on Bit2Me
Taking out a €10,000 StableLoan on Nebeus (95% LTV, 4% APR) involves a 2% origination fee (€200) plus accrued interest, and keeps your crypto locked as collateral. It is a reasonable route if you expect to repay and want to keep crypto exposure.
Selling the same amount on Bit2Me Pro costs up to 0.10% taker fee on liquid pairs (€10), with no origination fee or locked collateral, but you give up crypto exposure and it may trigger a taxable gain. Which route is cheaper depends on term, accrued interest and price expectations — run the full calculation before deciding.
Which one to choose? It depends on your profile
Bit2Me — pros
- Verifiable MiCA CNMV CASP authorisation since 31-Oct-2025, versus Nebeus's announcement pending confirmation.
- 400+ cryptocurrencies and a Pro/Earn/Card/Loan/Tax suite, versus Nebeus's loan and renting catalogue.
- Withdrawal to your own wallet with no locked collateral and 24/7 multilingual phone support.
Nebeus — things to consider
- Crypto-backed loans of up to 95% LTV (StableLoan) and five different loan types.
- "Crypto-friendly" IBAN that accepts euros linked to crypto activity without the blocks some traditional banks apply.
- MiCA-CNMV authorisation announced by the company itself in 2026, pending independent verification on the public register.
- ~30-cryptocurrency catalogue and no advanced Pro trading product or integrated tax tools.
When to choose Nebeus?
- You need euro liquidity against your crypto without selling it or triggering an immediate taxable gain, and you accept locking that collateral for the loan term.
- You need an IBAN that specifically accepts crypto-linked transfers without your traditional bank blocking them.
If, on the other hand, you are looking for a Nebeus alternative because you care about European regulation, predictable fees, the safety of your funds and support in your language, Bit2Me addresses exactly those needs.
What you gain switching from Nebeus
From a MiCA announcement to a verifiable authorisation
Bit2Me appears on the CNMV public register as an authorised CASP since 31-Oct-2025 — a status you can check directly.
From locked collateral to free withdrawal to your wallet
With no loan involved, you withdraw your crypto to your own wallet whenever you want, with no margin call or liquidation.
From a flat 0.5% to up to 0% / 0.10% on liquid pairs
Nebeus's exchange fee is flat; Bit2Me Pro reaches up to 0% maker / 0.10% taker on liquid pairs like BTC/EUR.
Switch from Nebeus to Bit2Me
Open your account in minutes: euros via SEPA, full CNMV oversight and support in your language when you need it.
15€ welcome bonus when you create your account and buy €100 or more in crypto. Promotion subject to terms.
Regulated by the CNMV · Support in your language · +1 million users
How to switch from Nebeus to Bit2Me
Create your free Bit2Me account and verify your identity (KYC) in minutes.
If you have an active loan on Nebeus, check the term and cancellation conditions before moving the collateral.
Copy your Bit2Me Wallet deposit address for each cryptocurrency and withdraw from Nebeus (correct network, small amount first) or transfer euros via bank transfer.
Questions? Multilingual phone support, 24/7. You do not need to close your Nebeus account to try Bit2Me.
15€ free when you create your account and buy €100 or more in crypto
Regulated by the CNMV · Support in your language · +1 million users
What they say about Bit2Me and who backs us
4.2/5
“One of the most reliable exchanges in the world, based on an analysis of 40+ indicators: fiscal headquarters, transparency, asset protection and user experience.”
“The Good Exchange: the most easy, secure and complete crypto exchange.”
Frequently asked questions
Conclusion
Nebeus solves a specific use case since 2014: euro liquidity against your crypto without selling it, and an IBAN that doesn't block crypto-linked transfers, backed by BitGo custody and Lloyd's insurance. For that case, it delivers. If you need a CNMV-authorised CASP exchange with a verifiable regulatory track record since October 2025, a catalogue of 400+ cryptocurrencies, a suite of 30+ products and 24/7 multilingual phone support, Bit2Me is the Nebeus alternative with regulated exchange depth. Always verify any provider's current MiCA registration status before deciding.
Data accuracy
This comparison draws on publicly available information on the internet — official fee schedules, regulator registers and verifiable announcements — and was cross-checked on July 1, 2026. If you spot an error or outdated figure, contact us and we will review it.
