Bybit EUBybit EU
68
Side-by-side card comparison
Bybit EU vs Decaf
Bybit Card (EU) has the higher Overall Score by 4 points (68 vs 64). Bybit Card (EU) looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Decaf Card comes out ahead for Funds control.
Latest check Oct 19, 202631 official sources reviewed
Bybit Card (EU)
Best fit
- Spending from an existing Bybit EU Funding Account in EUR or supported crypto.
- Earning the current 1% base cashback without a monthly cap or token holding.
- Converting earned Bybit Points to EUR through automatic cashback.
Before you choose
- Crypto-funded purchases add 0.9% conversion; foreign spending adds 0.5% FX.
- Higher reward rates require Bybit EU VIP status and have monthly caps.
- Country guidance conflicts for several EEA markets; confirm access in-app.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsBybit Card (EU)Overall68Decaf CardOverall64
Bybit Card (EU)Overall68Decaf CardOverall64Scores
- Overall Score
- Bybit Card (EU)68Decaf Card64
- Cashback score
- Bybit Card (EU)47Decaf Card29
- Travel score
- Bybit Card (EU)87Decaf Card60
- Funds control score
- Bybit Card (EU)51Decaf Card63
- Lowest fees score
- Bybit Card (EU)72Decaf Card57
- Transfers score
- Bybit Card (EU)79Decaf Card70
Costs
- Plan cost
- Bybit Card (EU)$0Decaf Card$0
- FX fee
- Bybit Card (EU)0.5%Decaf Card1–2%
- Top-up fee
- Bybit Card (EU)Not disclosedDecaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Bybit Card (EU)Not disclosedDecaf CardNot disclosed
- ATM fee
- Bybit Card (EU)2%Decaf Card0% Decaf markup
- Virtual card
- Bybit Card (EU)FreeDecaf Card$5
- Physical card
- Bybit Card (EU)First physical card freeDecaf Card$90 international / $10 US
Plans
- Available plans
- Bybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2Decaf CardNot disclosed
- Top cashback plan
- Bybit Card (EU)VIP 6 / PRO 3-5: 10%Decaf CardNot disclosed
Everyday use
- Network
- Bybit Card (EU)MastercardDecaf CardVisa
- Card formats
- Bybit Card (EU)Virtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- Bybit Card (EU)AvailableDecaf CardNot disclosed
- Mobile wallets
- Bybit Card (EU)Apple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Bybit Card (EU)iOS, Android, WebDecaf CardiOS, Android, Web
- Daily spending limit
- Bybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetimeDecaf CardNot disclosed
- Monthly spending limit
- Bybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetimeDecaf CardNot disclosed
- ATM limit
- Bybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per dayDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Bybit Card (EU)Not disclosedDecaf CardSolana, Stellar
- Crypto deposits
- Bybit Card (EU)Other crypto: Supported cryptoDecaf CardStablecoins: USDC
- Fiat deposits
- Bybit Card (EU)Bybit EU Funding Account depositDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Bybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawalDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Bybit Card (EU)Not disclosedDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Bybit Card (EU)1%Decaf CardNot disclosed
- Max cashback
- Bybit Card (EU)10%Decaf CardNot disclosed
- Reward currency
- Bybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)Decaf CardNot disclosed
Earn
- Advertised APY
- Bybit Card (EU)Up to 8% APYDecaf CardNot disclosed
- How it works
- Bybit Card (EU)Not disclosedDecaf CardOptional earn vault
- Separate deposit
- Bybit Card (EU)Not disclosedDecaf CardYes
- Use balance for spending
- Bybit Card (EU)Not disclosedDecaf CardNot disclosed
- Lock-up
- Bybit Card (EU)Not disclosedDecaf CardNot disclosed
Trust & availability
- Custody
- Bybit Card (EU)CustodialDecaf CardNon-custodial
- Control until payment
- Bybit Card (EU)Provider controls fundsDecaf CardNot disclosed
- Card issuer
- Bybit Card (EU)Harmoniie SAS, Moorwand LtdDecaf CardThird National, Inc.
- Card processing
- Bybit Card (EU)Not disclosedDecaf CardRain
- Deposits & withdrawals
- Bybit Card (EU)Not disclosedDecaf CardMoneyGram
Sources
- Official sources
- Bybit Card (EU)10Decaf Card21
- Last reviewed
- Bybit Card (EU)Oct 11, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Bybit EU or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, Bybit EU lists 0.5%, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Matching the card to your plans
Bybit EU: Spending from an existing Bybit EU Funding Account in EUR or supported crypto. Decaf: Spending USDC received on Solana or Stellar through a separate card load.
Common questions
Bybit EU vs Decaf FAQ
Is Bybit EU or Decaf better overall?
Bybit Card (EU) has the higher Overall Score (68 vs 64). 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 Decaf?
Bybit Card (EU) has the lower published FX fee (0.5% vs 1–2%). 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 Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. 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 Decaf differ on custody?
Bybit Card (EU) uses a custodial balance setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Bybit EU vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 31 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.