Bybit EUBybit EU
68
Side-by-side card comparison
Bybit EU vs Brighty: overall score versus use-case fit
Brighty Card has the higher Overall Score by 2 points (70 vs 68). Bybit Card (EU) looks stronger for Travel and Lowest fees, while Brighty Card comes out ahead for Cashback, Funds control, and Transfers.
Information checked Aug 16, 202635 official sources reviewed
01 · Overall score versus use-case fit
Brighty Card is the better all-round starting point
Brighty 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 EU68Brighty70Higher score
CashbackBybit EU47Brighty48Higher score
TravelBybit EU87Brighty80Higher score
Funds controlBybit EU51Brighty65Higher score
Lowest feesBybit EU72Brighty68Higher score
TransfersBybit EU79Brighty93Higher 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 Brighty Card if cashback and funds control matter most
Brighty 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.
- Free entry plan
- USDC cashback
- Multiple account rails
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 EU68Brighty70
Brighty Card has the higher Overall Score by 2 points.
- Entry cost & FX
- Bybit EU$0 plan · 0.5% FXBrighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FX
Bybit Card (EU) has the lower published FX fee (0.5% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources).
- Purchase rewards
- Bybit EU1% base · up to 10%Brighty0.5% base · up to 1.75%
Bybit Card (EU) has the higher published base cashback rate (1% vs 0.5%).
- Funds control
- Bybit EUCustodial balanceBrightyCustodial balance
Bybit Card (EU) and Brighty Card use the same custodial balance setup.
- Everyday access
- Bybit EUVirtual + Physical · Apple Pay, Google PayBrightyVirtual + Physical · Apple Pay
Bybit Card (EU) lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Bybit EU2 stablecoins · Stablecoin transfers; Bybit EU account fiat withdrawalBrighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
Brighty Card lists more stablecoins and ways to send money out (5 vs 4).
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
- 0.5%-1.8%
- Plan cost
- $0
- FX fee
- Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 16 crypto · 4 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)Overall68Brighty CardOverall70
Bybit Card (EU)Overall68Brighty CardOverall70Scores
6 fields- Overall Score
- Bybit Card (EU)68Brighty Card70
- Cashback score
- Bybit Card (EU)47Brighty Card48
- Travel score
- Bybit Card (EU)87Brighty Card80
- Funds control score
- Bybit Card (EU)51Brighty Card65
- Lowest fees score
- Bybit Card (EU)72Brighty Card68
- Transfers score
- Bybit Card (EU)79Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card accessBrighty CardFree entry plan, USDC cashback
- Trade-offs
- Bybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account modelBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- Bybit Card (EU)$0Brighty Card$0
- FX fee
- Bybit Card (EU)0.5%Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- Bybit Card (EU)Not disclosedBrighty Card0%
- Card spending fee
- Bybit Card (EU)Not disclosedBrighty CardNot disclosed
- ATM fee
- Bybit Card (EU)2%Brighty CardNot disclosed
- Virtual card
- Bybit Card (EU)FreeBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- Bybit Card (EU)First physical card freeBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- Bybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2Brighty Card3 plans: One, Plus, Pro
- Top cashback plan
- Bybit Card (EU)VIP 6 / PRO 3-5: 10%Brighty CardOne: 0.5%
Everyday use
8 fields- Network
- Bybit Card (EU)MastercardBrighty CardVisa/Mastercard
- Card formats
- Bybit Card (EU)Virtual, PhysicalBrighty CardVirtual, Physical
- ATM withdrawals
- Bybit Card (EU)AvailableBrighty CardAvailable
- Mobile wallets
- Bybit Card (EU)Apple Pay, Google PayBrighty CardApple Pay
- Apps
- Bybit Card (EU)iOS, Android, WebBrighty CardiOS, Android
- Daily spending limit
- Bybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetimeBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- Bybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetimeBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- Bybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per dayBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- Bybit Card (EU)Not disclosedBrighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- Bybit Card (EU)Other crypto: Supported cryptoBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- Bybit Card (EU)Bybit EU Funding Account depositBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- Bybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawalBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- Bybit Card (EU)Not disclosedBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- Bybit Card (EU)1%Brighty Card0.5%
- Max cashback
- Bybit Card (EU)10%Brighty Card1.8%
- Reward currency
- Bybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)Brighty CardUSDC
Earn
5 fields- Advertised APY
- Bybit Card (EU)Up to 8% APYBrighty CardNot disclosed
- How it works
- Bybit Card (EU)Not disclosedBrighty CardEarn on spending balance
- Separate deposit
- Bybit Card (EU)Not disclosedBrighty CardNo
- Use balance for spending
- Bybit Card (EU)Not disclosedBrighty CardYes
- Lock-up
- Bybit Card (EU)Not disclosedBrighty CardNo
Trust & availability
5 fields- Custody
- Bybit Card (EU)CustodialBrighty CardCustodial
- Control until payment
- Bybit Card (EU)Provider controls fundsBrighty CardProvider controls funds
- Card issuer
- Bybit Card (EU)Harmoniie SAS, Moorwand LtdBrighty CardWallester AS
- Custody / key management
- Bybit Card (EU)Not disclosedBrighty CardFireblocks
- Identity verification
- Bybit Card (EU)Not disclosedBrighty CardSumsub
Sources
2 fields- Official sources
- Bybit Card (EU)10Brighty Card25
- Last reviewed
- Bybit Card (EU)Aug 14, 2026Brighty CardAug 16, 2026
04 · The trade-off
Brighty Card is the stronger all-round choice
Brighty Card finishes ahead with an Overall Score of 70 versus 68 for Bybit Card (EU). Bybit Card (EU) has the lower published FX fee (0.5% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). Bybit Card (EU) has the higher published base cashback rate (1% vs 0.5%).
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 Brighty Card use the same custodial balance setup.
Brighty 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 Brighty Card reviews first.
Continue with
Bybit Card (EU)
Continue with
Brighty Card
05 · Common questions
Bybit EU vs Brighty FAQ
Is Bybit EU or Brighty better overall?
Brighty Card has the higher Overall Score (70 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 Brighty?
Bybit Card (EU) has the lower published FX fee (0.5% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). 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 Brighty?
Bybit Card (EU) has the higher published base cashback rate (1% vs 0.5%). 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 Brighty differ on custody?
Bybit Card (EU) and Brighty Card use the same custodial balance setup.
How current is this Bybit EU vs Brighty comparison?
The latest information check for these two cards was August 16, 2026, using 35 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.