These Terms govern the use of the IBAN Service provided through the Nebeus Platform by Rintral Trading, S.L.U. (“Rintral”), which acts solely as a distributor and technical interface. Rintral is not a credit institution, bank, or e-money issuer, and does not hold customer funds. The IBAN Service is delivered by regulated third-party financial institutions under applicable EU or equivalent laws. Funds held in IBANs are safeguarded under those institutions’ regulatory obligations but are not covered by national deposit guarantee schemes.
These Terms must be read in conjunction with any product-specific terms issued by the relevant Provider. By using the IBAN Service, Users acknowledge and agree to be bound by these Terms and all Provider-specific terms disclosed at activation.
The IBAN Service enables eligible users to receive, hold, and send funds denominated in fiat currencies via dedicated or pooled International Bank Account Numbers (IBANs), in partnership with one or more regulated third-party providers (the “Providers”). Rintral acts as a front-end platform and distributor of these services, while the underlying technical and financial operations are executed by duly authorized financial institutions operating under EU or equivalent regulatory frameworks.
These Terms apply exclusively to Users (individuals or corporate entities) who maintain a verified Nebeus account and elect to activate and use the IBAN Service via the Platform (https://nebeus.com) or associated mobile applications. By using the IBAN Service, Users acknowledge that:
The IBAN Service is governed by these Terms, any service-specific disclosures presented at the time of activation, and the agreements of the relevant third-party financial institutions. Users are encouraged to consult the General Terms of Use, Privacy Policy, and applicable product documentation before engaging in any fiat-related operations.
Rintral may update these Terms from time to time. Continued use of the IBAN Service after such updates constitutes the User’s acceptance of the revised Terms.
For the purpose of these Terms, the following definitions apply:
Capitalized terms not otherwise defined herein shall have the meaning assigned to them in the General Terms of Use or in the agreements with the relevant Provider(s).
To access the IBAN Service, Users must hold a valid and verified Nebeus account, having completed all required identity verification procedures in accordance with applicable anti-money laundering (AML) and counter-terrorist financing (CTF) obligations. Individual Users must be at least 18 years of age or the legal age of majority in their jurisdiction. Corporate Users must be duly established legal entities, and their authorized representatives must provide all required company and personal documentation to complete Know Your Business (KYB) checks.
Use of the IBAN Service is further governed by the Nebeus General Terms of Use, which apply in full and form an integral part of these Terms. Rintral may require additional documentation or information at any time to ensure compliance with regulatory standards or service partner requirements.
During the onboarding process, Users must provide accurate and up-to-date information, including, but not limited to, proof of identity, proof of address, and (for business clients) corporate registration details, ultimate beneficial ownership (UBO) data, and authorized signatories. Rintral and its PSP partners reserve the right to request additional documentation or impose enhanced due diligence requirements as needed.
IBANs are activated upon successful onboarding and internal approval by the PSP. Activation may take several business days, depending on the volume of applications, completeness of documentation, and risk profile of the User.
Access to the IBAN Service is restricted in certain jurisdictions due to legal prohibitions, international sanctions, or compliance concerns. Rintral reserves the right to deny or suspend access to Users located in, residing in, or transacting with restricted countries or regions. These restrictions are based on applicable laws and the eligibility criteria of third-party Providers engaged by Rintral to issue IBANs and manage fiat payment infrastructure.
The activation process for the IBAN Service requires Users to review and accept these Terms, as well as any service-specific terms presented during onboarding. Once eligibility is confirmed and acceptance recorded electronically, an IBAN may be issued by an assigned Provider. Rintral does not guarantee access to a specific Provider or IBAN format, and allocation is made at Rintral’s sole discretion based on operational criteria and regulatory fit.
The IBAN Service provided via the Platform allows Users to access EUR-denominated SEPA (Single Euro Payments Area) payment capabilities through dedicated International Bank Account Numbers (IBANs). These IBANs are issued, maintained, and operated by regulated third-party Payment Service Providers (“PSPs”) with whom Rintral has entered into distribution agreements. Rintral acts as a front-end facilitator, providing technical access, user onboarding, and client support, but does not hold user funds or execute payment orders directly.
Each eligible User is assigned a unique and dedicated IBAN, which can be used to receive salary payments, make outgoing bank transfers, receive SEPA credits, or interact with third-party payees, within the legal and technical constraints of the partner PSP. These IBANs function in a manner similar to traditional banking instruments, while remaining under the operational and regulatory scope of the issuing PSP.
The IBAN Service is designed to support personal and business EUR transfers across SEPA countries. The service currently enables standard SEPA Credit Transfers, but does not support SEPA Instant Payments, international SWIFT transfers, multi-currency features, or physical deposits/withdrawals unless otherwise stated. Each transaction is processed in accordance with the PSP’s operational calendars, processing times, and compliance procedures, including transaction screening and anti-fraud checks.
Funds held in IBANs are safeguarded in line with the applicable regulatory framework of the issuing PSP, pursuant to the relevant EU or domestic payment services legislation. Rintral ensures that the PSP partners operate under valid authorizations, and that user funds are segregated and protected from the insolvency of any party involved.
At the time of IBAN activation or upon first use of the service, the User will be explicitly informed of the identity, licensing status, and supervisory registration of the PSP responsible for service execution. This information will be disclosed during onboarding and/or in the account interface, in accordance with regulatory requirements. Rintral reserves the right to update or change its PSP partnerships without prior notice, provided that equivalent regulatory safeguards and operational capabilities are maintained.
The IBAN Service may be used in conjunction with other digital asset services offered on the Platform, such as crypto renting, staking, or exchange functionalities. However, Users acknowledge that IBAN accounts are exclusively intended for fiat currency operations (e.g., EUR), and are not wallets for holding, transferring, or storing cryptocurrencies.
Any conversion between crypto and fiat (e.g., topping up IBAN balances using crypto assets) is executed through separate services on the Platform and is subject to their respective terms and compliance obligations. The IBAN accounts are operated under the regulatory framework applicable to electronic money institutions and payment service providers, and therefore remain segregated from digital asset operations unless otherwise explicitly authorized and processed via compliant infrastructure.
Rintral ensures that any interaction between crypto and fiat systems complies with applicable financial and AML/CFT regulations. Users may be required to pass additional verification checks for crypto-to-fiat operations involving IBAN-linked services.
The IBAN Service offered by Rintral may be supported by one or more authorised third-party financial institutions, depending on the User’s jurisdiction and product eligibility. These partners include, among others, Quicko Sp. z o.o.(licensed by the Polish Financial Supervision Authority - KNF, IP52/2021), FreemarketFX Ireland Ltd (authorised by the Central Bank of Ireland, Company No. 566808) and Fiat Republic Netherlands B.V. (authorised electronic money institution regulated by De Nederlandsche Bank, Company No. 84625791, Relation No. R190553).
The assignment of a specific IBAN Provider is based on internal eligibility rules and technical availability. Users are informed of the applicable provider at the time of account activation.
The mention of third-party providers, including Fiat Republic Netherlands B.V., is for informational purposes only. Fiat Republic does not assume any responsibility for the services provided by Rintral (Nebeus), and no reference to Fiat Republic shall be interpreted as a joint offering or endorsement of Rintral’s products or services. The relationship between Rintral and its providers is strictly operational and governed by separate contractual agreements.
While Rintral facilitates access to the IBAN Service through its Platform, the underlying payment infrastructure, custody arrangements, and transaction execution are carried out by these regulated Providers. Rintral ensures that all its partners operate under active regulatory licenses and are subject to ongoing supervision by competent financial authorities. The identity and licensing details of the relevant Provider are disclosed to the User at the time of IBAN activation or during the onboarding process, in line with applicable transparency obligations.
Use of the IBAN Service implies acceptance of the operational frameworks, user onboarding procedures, and compliance standards imposed by the underlying Provider. Rintral reserves the right to change or update the Provider at its sole discretion, provided that such change does not negatively impact the User’s access to or use of the IBAN Service. Users will be notified of any material changes involving the Provider, especially if these affect the legal or regulatory terms governing the service.
Rintral and its Providers operate in accordance with applicable anti-money laundering (AML), counter-terrorist financing (CTF), and sanctions regulations. Users may be subject to additional due diligence or transaction monitoring measures imposed by the Provider, and failure to comply with such requirements may result in suspension or termination of access to the IBAN Service.
To access the IBAN Service, Users must complete the onboarding process via the Platform and undergo a verification procedure in accordance with applicable know-your-customer (KYC) and anti-money laundering (AML) requirements. This includes the submission of personal identification documents, proof of address, and any additional information requested by Rintral or its Providers to fulfill compliance obligations.
Once verification is successfully completed, an IBAN account will be provisioned in the User’s name or under a pooled structure, depending on the Provider’s operational model. The IBAN account can be used to receive and initiate SEPA transfers, make fiat deposits to the Platform, and support other permitted payment activities as outlined in these Terms.
The IBAN Service is intended strictly for lawful personal or business use, in accordance with the nature of the account and applicable regulations. Users are prohibited from using the IBAN Service to facilitate prohibited transactions, including but not limited to: money laundering, fraud, financing of terrorism, or activities restricted under international sanctions regimes.
Rintral reserves the right to monitor account usage and suspend or terminate access to the IBAN Service if irregular or suspicious activity is detected. Rintral may also require updated identification documents or request clarifications regarding transaction history to maintain ongoing compliance with its regulatory obligations.
Users are responsible for maintaining the security of their login credentials and for all activities conducted through their accounts. Rintral will not be liable for losses resulting from unauthorized access if the User has failed to safeguard their credentials or promptly report any suspected compromise.
Users are advised to consult the Platform for estimated timelines and applicable limits regarding SEPA transactions. Rintral makes no guarantees regarding exact processing times and disclaims liability for delays caused by third-party banking networks or technical malfunctions.
All payment instructions initiated through the IBAN Service, such as SEPA Credit Transfers or local bank transfers, are processed by the underlying regulated Payment Service Provider (PSP) according to their execution policies, operational cut-off times, and regulatory obligations.
Rintral acts solely as an interface for transmitting payment instructions and does not itself execute or hold custody over fiat funds. Once a payment order is submitted and confirmed by the User, Rintral forwards the instruction to the PSP for processing. Rintral assumes no liability for delays, rejections, or errors caused by the PSP, intermediary banks, or the receiving institutions.
Funds received to the User’s IBAN will be credited to the corresponding balance on the Platform after confirmation from the PSP. Similarly, outbound transfers will be debited from the User’s available fiat balance, subject to verification and approval. Processing timelines may vary depending on the destination country, currency, and banking infrastructure involved.
Users are responsible for ensuring that all payment details provided are accurate and complete. Rintral and its partners are not liable for failed or misdirected payments resulting from user error, incorrect information, or network issues outside their control.
All executed transactions are reflected in the User’s transaction history available via the Platform. Users are advised to review their statements regularly and notify Rintral of any discrepancies within a reasonable timeframe.
The use of the IBAN Service is subject to fees, which may include, but are not limited to: (i) Monthly account maintenance fees; (ii) Incoming and outgoing transfer fees; (iii) Currency conversion fees, where applicable; (iv) Additional charges for premium or priority services.
All applicable fees are clearly disclosed in the Platform’s current Pricing Schedule, which is made available to Users prior to the activation of the IBAN Service and may be updated from time to time. Rintral will notify Users of any material changes to the fee structure through electronic communication or platform notifications, with reasonable advance notice where required by law.
By using the IBAN Service, the User agrees to pay all applicable charges as specified in the Pricing Schedule. Fees will be automatically deducted from the User’s fiat balance. If the available balance is insufficient to cover the applicable charges, Rintral may suspend the User’s access to the IBAN Service until outstanding amounts are settled.
Rintral reserves the right to introduce new fees or modify existing ones in response to changes in operational costs, regulatory requirements, or third-party provider pricing. Continued use of the IBAN Service following any such change constitutes acceptance of the revised fee terms.
Users are strictly prohibited from utilizing the IBAN Service for any activity that may be deemed unlawful, unauthorized, abusive, or inconsistent with applicable regulations. This includes, but is not limited to:
Users shall act in good faith and provide accurate, complete, and truthful information during the onboarding process and throughout the duration of their relationship with Rintral. It is the User’s responsibility to ensure that all personal, corporate, and transactional data remains current and valid. Rintral reserves the right to request additional information, suspend service, or terminate access should discrepancies or compliance concerns arise.
Each User shall be solely responsible for the safekeeping and proper use of their account credentials, passwords, and authentication tools. Any instruction, transaction, or communication made using the User’s credentials will be considered authorized, unless the User has provided prior written notice of compromise to Rintral. Rintral shall not be liable for any unauthorized use of the IBAN Service resulting from the User’s negligence in protecting their access credentials.
Additionally, Users may not resell, sublicense, share, or otherwise transfer access to the IBAN Service to any other person or entity without Rintral’s explicit written consent.
Rintral retains the unilateral right to suspend or permanently restrict access to the IBAN Service if there is any indication, suspicion, or confirmation that the User is engaging in prohibited conduct, poses a regulatory risk, or fails to cooperate with any compliance request. This right includes the ability to freeze transactions, withhold funds, or notify relevant authorities where required by law.
By using the IBAN Service, Users acknowledge and accept their duty to comply not only with these Terms but also with Rintral’s General Terms of Use, applicable provider terms, and any relevant national and international regulations. Failure to do so may result in severe civil, administrative, or criminal penalties, for which the User will bear full responsibility.
Rintral is committed to safeguarding the personal data of its Users and ensuring full compliance with the General Data Protection Regulation (EU) 2016/679 (“GDPR”) and all applicable local data protection laws. By using the IBAN Service, Users acknowledge and consent to the processing of their personal data as described in this clause and in Rintral’s Privacy Policy, which forms an integral part of these Terms.
The personal data collected may include, but is not limited to, identification details, contact information, financial and transactional records, device identifiers, and usage analytics. This data is collected for purposes including but not limited to:
Rintral may share User data with authorized third-party service providers, including IBAN issuers and compliance partners, solely to the extent necessary for delivering the IBAN Service and fulfilling regulatory requirements. All third-party data processors are contractually bound to observe strict confidentiality and data protection standards.
User data will be stored securely and only for as long as required for the purposes stated or as mandated by legal retention obligations. Data may be processed or stored in jurisdictions within or outside the European Economic Area (EEA), provided that adequate safeguards are in place.
Users have the right to access, rectify, delete, restrict, or object to the processing of their personal data, as well as the right to data portability and to lodge a complaint with a supervisory authority. Requests to exercise these rights may be submitted via the contact information provided in Rintral’s Privacy Policy.
By continuing to use the IBAN Service, the User expressly consents to the collection and processing of their data as described herein. Failure to provide accurate or complete information may result in limitations or denial of service.
The use of the IBAN Service involves certain inherent risks, which the User expressly acknowledges and accepts by activating and using the service. These risks include, but are not limited to, exposure to delays in transaction execution, technical disruptions, regulatory changes, and third-party dependency.
Rintral makes commercially reasonable efforts to ensure the availability, accuracy, and security of the IBAN Service. However, the User understands that financial services are subject to disruptions beyond Rintral’s control, including interruptions in payment processing systems, failures by underlying financial institutions, cyber incidents, and system maintenance windows. Such disruptions may affect the timely execution or settlement of payments, the accessibility of User funds, or the availability of certain functionalities.
Furthermore, the IBAN Service may be affected by legal and regulatory developments in the User’s jurisdiction or that of Rintral or its third-party providers. These changes may result in additional obligations, service limitations, or, in extreme cases, the suspension or discontinuation of the IBAN Service.
Rintral does not guarantee uninterrupted service or that all transactions will be processed without delay. While efforts are made to maintain optimal operational continuity, Rintral disclaims any liability for service interruptions, loss of data, delayed processing, or indirect losses suffered as a result of temporary inaccessibility or technical issues.
The User also acknowledges that the availability of the IBAN Service and the execution of transactions may depend on third-party infrastructure, including correspondent banks, regulated financial institutions, and payment networks. Rintral is not liable for delays or errors caused by these third parties unless explicitly stated otherwise.
Users are advised to evaluate their own risk tolerance and financial situation before using the IBAN Service and are encouraged to seek independent legal or financial advice if needed. Use of the service implies acceptance of these risks and limitations.
To the maximum extent permitted by applicable law, Rintral and its affiliates, directors, officers, employees, and service providers shall not be held liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with the use of the IBAN Service. This includes, but is not limited to, loss of profits, loss of revenue, loss of data, business interruption, reputational harm, or any claims arising from User reliance on the availability or performance of the service.
Rintral provides access to the IBAN Service on an “as is” and “as available” basis. No representations or warranties of any kind, express or implied, are made with respect to the accuracy, timeliness, completeness, or reliability of the services offered. Rintral disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
Rintral shall not be liable for any delay or failure in the performance of its obligations under these Terms due to circumstances beyond its reasonable control, including but not limited to natural disasters, war, acts of terrorism, civil unrest, power failures, technical breakdowns, cyberattacks, regulatory intervention, or acts of third-party service providers.
The User acknowledges and agrees that Rintral’s role in providing the IBAN Service involves reliance on licensed third-party providers for the issuance of accounts, execution of payments, and custodial operations. Rintral shall not be liable for any breach, failure, or negligence attributable to such providers, except where Rintral has failed to exercise reasonable care in selecting and monitoring such partners.
In the event that Rintral is found to be liable under any legal theory, the total aggregate liability shall in no event exceed the total fees paid by the User for the IBAN Service in the three (3) months preceding the event giving rise to the claim.
These limitations shall apply regardless of the form of action, whether in contract, tort (including negligence), or otherwise, and shall survive the termination or expiration of these Terms.
Rintral reserves the right to suspend, restrict, or terminate access to the IBAN Service at any time and without prior notice, where such action is necessary to comply with applicable laws, regulatory obligations, or internal risk assessments. This may include, but is not limited to, situations involving suspected fraudulent activity, failure to pass compliance checks, misuse of the service, or breach of these Terms.
A User’s access to the IBAN Service may also be temporarily or permanently restricted upon request or instruction from Rintral’s third-party providers or in response to a lawful order from a competent authority. Rintral shall not be liable for any damages or losses resulting from such actions taken in good faith and in compliance with legal or contractual obligations.
Users may terminate their access to the IBAN Service at any time by submitting a formal request through the Platform, provided that all outstanding balances, fees, and liabilities are settled in full. Upon termination, any remaining funds in the IBAN account will be transferred to the User’s designated withdrawal method, subject to applicable fees and verification requirements.
The termination of the IBAN Service, whether by the User or by Rintral, does not affect any accrued rights or obligations, including payment of fees, compliance with investigations, or indemnity obligations.
In the event of termination, Rintral will retain necessary records in accordance with applicable data retention and regulatory requirements. Users will no longer have access to the IBAN Service or related functionality once termination is confirmed.
Rintral may amend, revise, or update these Terms at any time to reflect changes in applicable laws, regulatory guidance, technical infrastructure, or service offerings. Modifications may also be introduced to address security improvements, adjust fee structures, or incorporate feedback from regulatory authorities or third-party service providers.
Any updated version of the Terms will be made available on the Platform and will become effective as of the date indicated therein. In the case of material modifications that significantly alter the rights or obligations of Users, Rintral will provide prior notice of at least fourteen (14) calendar days, unless earlier implementation is required to comply with legal or regulatory obligations or to address urgent operational or security needs.
Such notice will be delivered through appropriate communication channels, including email, website updates, or in-app notifications. Users are encouraged to review the Terms periodically to ensure awareness of any updates.
Continued use of the IBAN Service after the effective date of the modified Terms constitutes acceptance of the changes. If a User does not agree to the updated Terms, they must discontinue use of the IBAN Service and may request termination in accordance with Clause 13.
These IBAN Terms, together with the General Terms of Use and any applicable product-specific conditions, constitute the entire agreement between the User and Rintral Trading, S.L.U. regarding the IBAN Services, superseding any previous agreements or communications, whether oral or written.
The User may not assign or transfer any rights or obligations under these Terms without prior written consent from Rintral. Rintral reserves the right to assign or delegate its obligations to affiliated entities or authorized third-party service providers, provided that such delegation does not materially impact the User’s rights.
If any provision of these Terms is deemed invalid, illegal, or unenforceable by a competent court or authority, the remaining provisions shall remain valid and enforceable. Where possible, the invalid provision shall be interpreted in a manner that preserves the original intent and remains legally effective.
Failure by Rintral to enforce any provision of these Terms shall not be construed as a waiver of its rights. Any waiver must be expressly documented in writing to be legally binding.
These Terms do not limit Rintral’s right or obligation to comply with applicable legislation, regulatory requirements, or lawful requests from competent authorities. The IBAN Services are provided in accordance with Spanish and European legal frameworks, including but not limited to the Markets in Crypto-Assets Regulation (MiCA) and anti-money laundering and counter-terrorism financing directives (AML/CFT).
These IBAN Terms shall be governed by and interpreted in accordance with the laws of the Kingdom of Spain, without regard to its conflict-of-law principles.
Any legal dispute, claim, or controversy arising out of or relating to these Terms, the IBAN Services, or the contractual relationship between the User and Rintral shall fall under the exclusive jurisdiction of the courts of Barcelona, Spain, unless otherwise required under applicable consumer protection regulations.
Before resorting to judicial proceedings, Users are encouraged to contact Rintral’s customer support team to seek an amicable resolution. Complaints may be submitted via the Platform or by email to info@nebeus.com, and Rintral commits to responding within thirty (30) business days from receipt.