Bybit EUBybit EU
68
Side-by-side card comparison
Bybit EU vs Binance: fees, rewards and account setup
Bybit Card (EU) has the higher Overall Score by 10 points (68 vs 58). Bybit Card (EU) also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Binance Card may still be the better personal fit.
Information checked Aug 14, 202622 official sources reviewed
01 · Make the first cut
Bybit Card (EU) is the better all-round starting point
Bybit Card (EU) has the higher Overall Score in this comparison. Binance Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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 EU68Binance58Higher score
CashbackBybit EU47Binance37Higher score
TravelBybit EU87Binance36Higher score
Funds controlBybit EU51Binance47Higher score
Lowest feesBybit EU72Binance56Higher score
TransfersBybit EU79Binance75Higher score
Choose Bybit Card (EU) if cashback and travel matter most
Bybit Card (EU) comes out ahead for Cashback, Travel, Funds control, Lowest fees, 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 Binance Card if its day-to-day setup suits you
Binance Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Spend supported Binance crypto balances
- Google Pay support
- Cashback can rise by tier
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Bybit EU68Binance58
Bybit Card (EU) has the higher Overall Score by 10 points.
- Entry cost & FX
- Bybit EU$0 plan · 0.5% FXBinance$0 plan · 2–3% FX
Bybit Card (EU) has the lower published FX fee (0.5% vs 2–3%).
- Purchase rewards
- Bybit EU1% base · up to 10%Binance1.5% base · up to 3%
Binance Card has the higher published base cashback rate (1.5% vs 1%).
- Funds control
- Bybit EUCustodial balanceBinanceCustodial balance
Bybit Card (EU) and Binance Card use the same custodial balance setup.
- Everyday access
- Bybit EUVirtual + Physical · Apple Pay, Google PayBinanceVirtual · Google Pay
Bybit Card (EU) lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Bybit EU2 stablecoins · Stablecoin transfers; Bybit EU account fiat withdrawalBinance3 stablecoins · Stablecoin transfers; Binance account fiat withdrawal
Binance Card lists more stablecoins and ways to send money out (5 vs 4).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- 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
- 1.5%-3%
- Plan cost
- $0
- FX fee
- 2–3%
- ATM fee
- Not disclosed
- Card formats
- Virtual
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
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03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsBybit Card (EU)Overall68Binance CardOverall58
Bybit Card (EU)Overall68Binance CardOverall58Scores
6 fields- Overall Score
- Bybit Card (EU)68Binance Card58
- Cashback score
- Bybit Card (EU)47Binance Card37
- Travel score
- Bybit Card (EU)87Binance Card36
- Funds control score
- Bybit Card (EU)51Binance Card47
- Lowest fees score
- Bybit Card (EU)72Binance Card56
- Transfers score
- Bybit Card (EU)79Binance Card75
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card accessBinance CardSpend supported Binance crypto balances, Google Pay support
- Trade-offs
- Bybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account modelBinance CardSpending follows the Binance account model, Virtual-only card
Costs
7 fields- Plan cost
- Bybit Card (EU)$0Binance Card$0
- FX fee
- Bybit Card (EU)0.5%Binance Card2–3%
- Top-up fee
- Bybit Card (EU)Not disclosedBinance CardNot disclosed
- Card spending fee
- Bybit Card (EU)Not disclosedBinance CardNot disclosed
- ATM fee
- Bybit Card (EU)2%Binance CardNot disclosed
- Virtual card
- Bybit Card (EU)FreeBinance CardVirtual card up to 15 minutes after approval; 0 USD issuance fee
- Physical card
- Bybit Card (EU)First physical card freeBinance CardGlobal Program virtual-only; Brazil physical card is a separate regional branch
Plans
2 fields- Available plans
- Bybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2Binance Card3 plans: Tier 1, Tier 2, Tier 3
- Top cashback plan
- Bybit Card (EU)VIP 6 / PRO 3-5: 10%Binance CardTier 3: 3%
Everyday use
8 fields- Network
- Bybit Card (EU)MastercardBinance CardMastercard
- Card formats
- Bybit Card (EU)Virtual, PhysicalBinance CardVirtual
- ATM withdrawals
- Bybit Card (EU)AvailableBinance CardNot disclosed
- Mobile wallets
- Bybit Card (EU)Apple Pay, Google PayBinance CardGoogle Pay
- Apps
- Bybit Card (EU)iOS, Android, WebBinance CardiOS, Android
- Daily spending limit
- Bybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetimeBinance CardShown in app
- Monthly spending limit
- Bybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetimeBinance CardShown in app
- ATM limit
- Bybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per dayBinance CardNot disclosed
Funding & transfers
5 fields- Networks
- Bybit Card (EU)Not disclosedBinance CardNot disclosed
- Crypto deposits
- Bybit Card (EU)Other crypto: Supported cryptoBinance CardOther crypto: Supported crypto
- Fiat deposits
- Bybit Card (EU)Bybit EU Funding Account depositBinance CardBinance account bank deposit
- Transfers
- Bybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawalBinance CardStablecoin transfers; Binance account fiat withdrawal
- Payout currencies
- Bybit Card (EU)Not disclosedBinance CardNot disclosed
Rewards
3 fields- Base cashback
- Bybit Card (EU)1%Binance Card1.5%
- Max cashback
- Bybit Card (EU)10%Binance Card3%
- Reward currency
- Bybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)Binance CardUSDC or BTC equivalent cashback (country-dependent)
Earn
5 fields- Advertised APY
- Bybit Card (EU)Up to 8% APYBinance CardNot offered
- How it works
- Bybit Card (EU)Not disclosedBinance CardNot offered
- Separate deposit
- Bybit Card (EU)Not disclosedBinance CardNot offered
- Use balance for spending
- Bybit Card (EU)Not disclosedBinance CardNot offered
- Lock-up
- Bybit Card (EU)Not disclosedBinance CardNot offered
Trust & availability
3 fields- Custody
- Bybit Card (EU)CustodialBinance CardCustodial
- Control until payment
- Bybit Card (EU)Provider controls fundsBinance CardProvider controls funds
- Card issuer
- Bybit Card (EU)Harmoniie SAS, Moorwand LtdBinance CardImmersve Limited
Sources
2 fields- Official sources
- Bybit Card (EU)10Binance Card12
- Last reviewed
- Bybit Card (EU)Aug 14, 2026Binance CardAug 5, 2026
04 · The takeaway
Bybit Card (EU) is the stronger all-round choice
Bybit Card (EU) finishes ahead with an Overall Score of 68 versus 58 for Binance Card. Bybit Card (EU) has the lower published FX fee (0.5% vs 2–3%). Binance Card has the higher published base cashback rate (1.5% vs 1%).
Binance Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Bybit Card (EU) and Binance Card use the same custodial balance setup.
Binance Card lists more stablecoins and ways to send money out (5 vs 4). 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 Binance Card reviews first.
Continue with
Bybit Card (EU)
Continue with
Binance Card
05 · Common questions
Bybit EU vs Binance FAQ
Is Bybit EU or Binance better overall?
Bybit Card (EU) has the higher Overall Score (68 vs 58). 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 Binance?
Bybit Card (EU) has the lower published FX fee (0.5% vs 2–3%). 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 Binance?
Binance Card has the higher published base cashback rate (1.5% vs 1%). 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 Binance differ on custody?
Bybit Card (EU) and Binance Card use the same custodial balance setup.
How current is this Bybit EU vs Binance comparison?
The latest information check for these two cards was August 14, 2026, using 22 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.