Bybit EUBybit EU
68
Side-by-side card comparison
Bybit EU vs Bitpanda: overall score versus use-case fit
Bitpanda Card has the higher Overall Score by 5 points (73 vs 68). Bybit Card (EU) looks stronger for Travel and Lowest fees, while Bitpanda Card comes out ahead for Cashback, Funds control, and Transfers.
Information checked Oct 11, 202626 official sources reviewed
01 · Overall score versus use-case fit
Bitpanda Card is the better all-round starting point
Bitpanda Card has the higher Overall Score in this comparison. Bybit Card (EU) may be the better fit for Travel and Lowest fees. 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 EU68Bitpanda73Higher score
CashbackBybit EU47Bitpanda60Higher score
TravelBybit EU87Bitpanda79Higher score
Funds controlBybit EU51Bitpanda56Higher score
Lowest feesBybit EU72Bitpanda67Higher score
TransfersBybit EU79Bitpanda85Higher score
Choose Bybit Card (EU) if travel and lowest fees matter most
Bybit Card (EU) comes out ahead for Travel 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.
- Funding Account connects deposits and card spend
- Lite and Standard card access
- Default applicants start at 1% cashback
Choose Bitpanda Card if cashback and funds control matter most
Bitpanda Card comes out ahead for Cashback, Funds control, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No monthly fee
- Apple Pay and Google Pay
- Crypto and metals payments
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 EU68Bitpanda73
Bitpanda Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Bybit EU$0 plan · 0.5% FXBitpanda$0 plan · 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable FX
Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs 0.5%).
- Purchase rewards
- Bybit EU1% base · up to 10%Bitpanda1% cashback
Both cards show the same base cashback rate of 1%.
- Funds control
- Bybit EUCustodial balanceBitpandaCustodial balance
Bybit Card (EU) and Bitpanda Card use the same custodial balance setup.
- Everyday access
- Bybit EUVirtual + Physical · Apple Pay, Google PayBitpandaVirtual + 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 withdrawalBitpanda2 stablecoins · Stablecoin transfers; EUR SEPA withdrawal
Both cards list the same number of stablecoins and ways to send money out.
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
- 1%
- Plan cost
- $0
- FX fee
- 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- ATM fee
- 2%; min €2
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 1 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)Overall68Bitpanda CardOverall73
Bybit Card (EU)Overall68Bitpanda CardOverall73Scores
6 fields- Overall Score
- Bybit Card (EU)68Bitpanda Card73
- Cashback score
- Bybit Card (EU)47Bitpanda Card60
- Travel score
- Bybit Card (EU)87Bitpanda Card79
- Funds control score
- Bybit Card (EU)51Bitpanda Card56
- Lowest fees score
- Bybit Card (EU)72Bitpanda Card67
- Transfers score
- Bybit Card (EU)79Bitpanda Card85
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card accessBitpanda CardNo monthly fee, Apple Pay and Google Pay
- Trade-offs
- Bybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account modelBitpanda CardAsset sale fees on payments, Limited cashback eligibility
Costs
7 fields- Plan cost
- Bybit Card (EU)$0Bitpanda Card$0
- FX fee
- Bybit Card (EU)0.5%Bitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- Bybit Card (EU)Not disclosedBitpanda CardEUR SEPA deposits and withdrawals: no Bitpanda fee. PayPal deposit: 1.49%. Bank charges and other methods may differ. These fund the provider account
- Card spending fee
- Bybit Card (EU)Not disclosedBitpanda CardNot disclosed
- ATM fee
- Bybit Card (EU)2%Bitpanda Card2%; min €2
- Virtual card
- Bybit Card (EU)FreeBitpanda CardNot disclosed
- Physical card
- Bybit Card (EU)First physical card freeBitpanda CardFirst card free. One active physical card per user.
Plans
2 fields- Available plans
- Bybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2Bitpanda Card1 plans: Standard
- Top cashback plan
- Bybit Card (EU)VIP 6 / PRO 3-5: 10%Bitpanda CardStandard: 1%
Everyday use
8 fields- Network
- Bybit Card (EU)MastercardBitpanda CardVisa
- Card formats
- Bybit Card (EU)Virtual, PhysicalBitpanda CardVirtual, Physical
- ATM withdrawals
- Bybit Card (EU)AvailableBitpanda CardAvailable
- Mobile wallets
- Bybit Card (EU)Apple Pay, Google PayBitpanda CardApple Pay, Google Pay
- Apps
- Bybit Card (EU)iOS, Android, WebBitpanda CardiOS, Android, Web
- Daily spending limit
- Bybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetimeBitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- Bybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetimeBitpanda Card€280,000 per month
- ATM limit
- Bybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per dayBitpanda Card€500 per day
Funding & transfers
5 fields- Networks
- Bybit Card (EU)Not disclosedBitpanda CardNot disclosed
- Crypto deposits
- Bybit Card (EU)Other crypto: Supported cryptoBitpanda CardStablecoins: USDC
- Fiat deposits
- Bybit Card (EU)Bybit EU Funding Account depositBitpanda CardEUR SEPA deposit
- Transfers
- Bybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawalBitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- Bybit Card (EU)Not disclosedBitpanda CardEUR
Rewards
3 fields- Base cashback
- Bybit Card (EU)1%Bitpanda Card1%
- Max cashback
- Bybit Card (EU)10%Bitpanda Card1%
- Reward currency
- Bybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)Bitpanda CardSame eligible cryptocurrency used for payment
Earn
5 fields- Advertised APY
- Bybit Card (EU)Up to 8% APYBitpanda CardNot disclosed
- How it works
- Bybit Card (EU)Not disclosedBitpanda CardEarn on spending balance
- Separate deposit
- Bybit Card (EU)Not disclosedBitpanda CardNo
- Use balance for spending
- Bybit Card (EU)Not disclosedBitpanda CardYes
- Lock-up
- Bybit Card (EU)Not disclosedBitpanda CardNo
Trust & availability
4 fields- Custody
- Bybit Card (EU)CustodialBitpanda CardCustodial
- Control until payment
- Bybit Card (EU)Provider controls fundsBitpanda CardProvider controls funds
- Card issuer
- Bybit Card (EU)Harmoniie SAS, Moorwand LtdBitpanda CardTransact Payments Malta Limited
- Card processing
- Bybit Card (EU)Not disclosedBitpanda CardMarqeta
Sources
2 fields- Official sources
- Bybit Card (EU)10Bitpanda Card16
- Last reviewed
- Bybit Card (EU)Oct 11, 2026Bitpanda CardOct 6, 2026
04 · The trade-off
Bitpanda Card is the stronger all-round choice
Bitpanda Card finishes ahead with an Overall Score of 73 versus 68 for Bybit Card (EU). Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs 0.5%). Both cards show the same base cashback rate of 1%.
Bybit Card (EU) still comes out ahead for Travel and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Bybit Card (EU) and Bitpanda Card use the same custodial balance setup.
Both cards list the same number of stablecoins and ways to send money out. 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 Bitpanda Card reviews first.
Continue with
Bybit Card (EU)
Continue with
Bitpanda Card
05 · Common questions
Bybit EU vs Bitpanda FAQ
Is Bybit EU or Bitpanda better overall?
Bitpanda Card has the higher Overall Score (73 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 Bitpanda?
Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs 0.5%). 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 Bitpanda?
Both cards show the same base cashback rate of 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 Bitpanda differ on custody?
Bybit Card (EU) and Bitpanda Card use the same custodial balance setup.
How current is this Bybit EU vs Bitpanda comparison?
The latest information check for these two cards was October 11, 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.