Bybit EUBybit EU
68
Side-by-side card comparison
Bybit EU vs Avici: overall score versus use-case fit
Avici Card has the higher Overall Score by 3 points (71 vs 68). Bybit Card (EU) looks stronger for Cashback, Travel, and Transfers, while Avici Card comes out ahead for Funds control and Lowest fees.
Information checked Aug 21, 202626 official sources reviewed
01 · Overall score versus use-case fit
Avici Card is the better all-round starting point
Avici Card has the higher Overall Score in this comparison. Bybit Card (EU) may be the better fit for Cashback, Travel, and Transfers. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallBybit EU68Avici71Higher score
CashbackBybit EU47Avici21Higher score
TravelBybit EU87Avici82Higher score
Funds controlBybit EU51Avici95Higher score
Lowest feesBybit EU72Avici73Higher score
TransfersBybit EU79Avici67Higher score
Choose Bybit Card (EU) if cashback and travel matter most
Bybit Card (EU) comes out ahead for Cashback, Travel, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Funding Account connects deposits and card spend
- Lite and Standard card access
- Default applicants start at 1% cashback
Choose Avici Card if funds control and lowest fees matter most
Avici Card comes out ahead for Funds control and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- User-owned USDC collateral
- Physical, virtual and phone-wallet use
- Low provider fees
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Bybit EU68Avici71
Avici Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Bybit EU$0 plan · 0.5% FXAvici$0 plan · 0–1% FX
Bybit Card (EU) has the lower published FX fee (0.5% vs 0–1%).
- Purchase rewards
- Bybit EU1% base · up to 10%Avici0% cashback
Bybit Card (EU) has the higher published base cashback rate (1% vs 0%).
- Funds control
- Bybit EUCustodial balanceAviciSelf-controlled wallet
Bybit Card (EU) uses a custodial balance setup, while Avici Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Bybit EUVirtual + Physical · Apple Pay, Google PayAviciVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Bybit EU2 stablecoins · Stablecoin transfers; Bybit EU account fiat withdrawalAvici1 stablecoin · Stablecoin transfers
Bybit Card (EU) lists more stablecoins and ways to send money out (4 vs 2).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 1%-10%
- Plan cost
- $0
- FX fee
- 0.5%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0–0.65%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsBybit Card (EU)Overall68Avici CardOverall71
Bybit Card (EU)Overall68Avici CardOverall71Scores
6 fields- Overall Score
- Bybit Card (EU)68Avici Card71
- Cashback score
- Bybit Card (EU)47Avici Card21
- Travel score
- Bybit Card (EU)87Avici Card82
- Funds control score
- Bybit Card (EU)51Avici Card95
- Lowest fees score
- Bybit Card (EU)72Avici Card73
- Transfers score
- Bybit Card (EU)79Avici Card67
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card accessAvici CardUser-owned USDC collateral, Physical, virtual and phone-wallet use
- Trade-offs
- Bybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account modelAvici CardNo standard purchase cashback, Visa and penalty layers need care
Costs
7 fields- Plan cost
- Bybit Card (EU)$0Avici Card$0
- FX fee
- Bybit Card (EU)0.5%Avici Card0–1%
- Top-up fee
- Bybit Card (EU)Not disclosedAvici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully published
- Card spending fee
- Bybit Card (EU)Not disclosedAvici Card0%
- ATM fee
- Bybit Card (EU)2%Avici Card0–0.65%
- Virtual card
- Bybit Card (EU)FreeAvici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewal
- Physical card
- Bybit Card (EU)First physical card freeAvici CardPlatinum $50; Signature $75 + $20/year from year two
Plans
2 fields- Available plans
- Bybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2Avici Card2 plans: Visa Platinum, Visa Signature
- Top cashback plan
- Bybit Card (EU)VIP 6 / PRO 3-5: 10%Avici CardVisa Platinum: 0%
Everyday use
8 fields- Network
- Bybit Card (EU)MastercardAvici CardVisa
- Card formats
- Bybit Card (EU)Virtual, PhysicalAvici CardVirtual, Physical
- ATM withdrawals
- Bybit Card (EU)AvailableAvici CardAvailable
- Mobile wallets
- Bybit Card (EU)Apple Pay, Google PayAvici CardApple Pay, Google Pay
- Apps
- Bybit Card (EU)iOS, Android, WebAvici CardiOS, Android
- Daily spending limit
- Bybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetimeAvici CardNo fixed public transaction cap; balance, issuer and user-set limits apply
- Monthly spending limit
- Bybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetimeAvici CardNo fixed public monthly cap; dynamic controls apply
- ATM limit
- Bybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per dayAvici Card$250 per day, up to 3 ATM transactions
Funding & transfers
5 fields- Networks
- Bybit Card (EU)Not disclosedAvici CardEthereum, Polygon, Optimism, Arbitrum, Solana
- Crypto deposits
- Bybit Card (EU)Other crypto: Supported cryptoAvici CardStablecoins: USDC
- Fiat deposits
- Bybit Card (EU)Bybit EU Funding Account depositAvici CardNot disclosed
- Transfers
- Bybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawalAvici CardStablecoin transfers
- Payout currencies
- Bybit Card (EU)Not disclosedAvici CardNot disclosed
Rewards
3 fields- Base cashback
- Bybit Card (EU)1%Avici Card0%
- Max cashback
- Bybit Card (EU)10%Avici Card0%
- Reward currency
- Bybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)Avici CardNo cashback
Earn
5 fields- Advertised APY
- Bybit Card (EU)Up to 8% APYAvici CardNot offered
- How it works
- Bybit Card (EU)Not disclosedAvici CardNot offered
- Separate deposit
- Bybit Card (EU)Not disclosedAvici CardNot offered
- Use balance for spending
- Bybit Card (EU)Not disclosedAvici CardNot offered
- Lock-up
- Bybit Card (EU)Not disclosedAvici CardNot offered
Trust & availability
5 fields- Custody
- Bybit Card (EU)CustodialAvici CardSelf-custody
- Control until payment
- Bybit Card (EU)Provider controls fundsAvici CardYou keep control
- Card issuer
- Bybit Card (EU)Harmoniie SAS, Moorwand LtdAvici CardThird National
- Card processing
- Bybit Card (EU)Not disclosedAvici CardRelay
- Identity verification
- Bybit Card (EU)Not disclosedAvici CardSumsub
Sources
2 fields- Official sources
- Bybit Card (EU)10Avici Card16
- Last reviewed
- Bybit Card (EU)Aug 14, 2026Avici CardAug 21, 2026
04 · The trade-off
Avici Card is the stronger all-round choice
Avici Card finishes ahead with an Overall Score of 71 versus 68 for Bybit Card (EU). Bybit Card (EU) has the lower published FX fee (0.5% vs 0–1%). Bybit Card (EU) has the higher published base cashback rate (1% vs 0%).
Bybit Card (EU) still comes out ahead for Cashback, Travel, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Bybit Card (EU) uses a custodial balance setup, while Avici Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Bybit Card (EU) lists more stablecoins and ways to send money out (4 vs 2). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Bybit Card (EU) and Avici Card reviews first.
Continue with
Bybit Card (EU)
Continue with
Avici Card
05 · Common questions
Bybit EU vs Avici FAQ
Is Bybit EU or Avici better overall?
Avici Card has the higher Overall Score (71 vs 68). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Bybit EU or Avici?
Bybit Card (EU) has the lower published FX fee (0.5% vs 0–1%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Bybit EU or Avici?
Bybit Card (EU) has the higher published base cashback rate (1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Bybit EU and Avici differ on custody?
Bybit Card (EU) uses a custodial balance setup, while Avici Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Bybit EU vs Avici comparison?
The latest information check for these two cards was August 21, 2026, using 26 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.