Bybit EUBybit EU
68
Side-by-side card comparison
Bybit EU vs ether.fi Cash: overall score versus use-case fit
ether.fi Cash Card has the higher Overall Score by 18 points (86 vs 68). Bybit Card (EU) looks stronger for Travel and Lowest fees, while ether.fi Cash Card comes out ahead for Cashback, Funds control, and Transfers.
Information checked Oct 11, 202647 official sources reviewed
01 · Overall score versus use-case fit
ether.fi Cash Card is the better all-round starting point
ether.fi Cash 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 EU68ether.fi Cash86Higher score
CashbackBybit EU47ether.fi Cash84Higher score
TravelBybit EU87ether.fi Cash82Higher score
Funds controlBybit EU51ether.fi Cash96Higher score
Lowest feesBybit EU72ether.fi Cash65Higher score
TransfersBybit EU79ether.fi Cash100Higher 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 ether.fi Cash Card if cashback and funds control matter most
ether.fi Cash 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.
- Card spend plus cash-account rails
- Liquid USD can stay spendable
- Tiers make perks easier to compare
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 EU68ether.fi Cash86
ether.fi Cash Card has the higher Overall Score by 18 points.
- Entry cost & FX
- Bybit EU$0 plan · 0.5% FXether.fi Cash$0 plan · 0–0.5% FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Bybit EU1% base · up to 10%ether.fi Cash3% base · up to 4%
ether.fi Cash Card has the higher published base cashback rate (3% vs 1%).
- Funds control
- Bybit EUCustodial balanceether.fi CashNon-custodial account
Bybit Card (EU) uses a custodial balance setup, while ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Bybit EUVirtual + Physical · Apple Pay, Google Payether.fi CashVirtual + 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 withdrawalether.fi Cash5 stablecoins · Stablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2
ether.fi Cash Card lists more stablecoins and ways to send money out (12 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
- 3%-4%
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 18 crypto · 14 fiat
- Payout methods
- 5 crypto · 30 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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)Overall68ether.fi Cash CardOverall86
Bybit Card (EU)Overall68ether.fi Cash CardOverall86Scores
6 fields- Overall Score
- Bybit Card (EU)68ether.fi Cash Card86
- Cashback score
- Bybit Card (EU)47ether.fi Cash Card84
- Travel score
- Bybit Card (EU)87ether.fi Cash Card82
- Funds control score
- Bybit Card (EU)51ether.fi Cash Card96
- Lowest fees score
- Bybit Card (EU)72ether.fi Cash Card65
- Transfers score
- Bybit Card (EU)79ether.fi Cash Card100
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card accessether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendable
- Trade-offs
- Bybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account modelether.fi Cash CardVault returns depend on the selected strategy, Borrowing accrues interest immediately
Costs
7 fields- Plan cost
- Bybit Card (EU)$0ether.fi Cash Card$0
- FX fee
- Bybit Card (EU)0.5%ether.fi Cash Card0–0.5%
- Top-up fee
- Bybit Card (EU)Not disclosedether.fi Cash CardNot disclosed
- Card spending fee
- Bybit Card (EU)Not disclosedether.fi Cash CardNot disclosed
- ATM fee
- Bybit Card (EU)2%ether.fi Cash CardNot disclosed
- Virtual card
- Bybit Card (EU)Freeether.fi Cash CardFirst virtual card normally $0; $10 for AR, AO, BD, BO, CO, EC, ID, MY, MX, NG, PE, PH, ZA and TH under the dedicated fee article. Check the displayed price before order.
- Physical card
- Bybit Card (EU)First physical card freeether.fi Cash CardComparison page: Core $60 including shipping; one free physical card on higher tiers. Help pages describe additional-card fees and different included quantities. Confirm the order quote.
Plans
2 fields- Available plans
- Bybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2ether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIP
- Top cashback plan
- Bybit Card (EU)VIP 6 / PRO 3-5: 10%ether.fi Cash CardVIP: 4%
Everyday use
8 fields- Network
- Bybit Card (EU)Mastercardether.fi Cash CardVisa
- Card formats
- Bybit Card (EU)Virtual, Physicalether.fi Cash CardVirtual, Physical
- ATM withdrawals
- Bybit Card (EU)Availableether.fi Cash CardAvailable
- Mobile wallets
- Bybit Card (EU)Apple Pay, Google Payether.fi Cash CardApple Pay, Google Pay
- Apps
- Bybit Card (EU)iOS, Android, Webether.fi Cash CardiOS, Android, Web
- Daily spending limit
- Bybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetimeether.fi Cash CardEditable defaults: $5,000/day per card; Vault $10,000/day and $10,000/month. Current tier maximum is unconfirmed; the first applicable card, Vault or MCC limit applies.
- Monthly spending limit
- Bybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetimeether.fi Cash CardMonthly limit shown in app; cashback caps vary by plan
- ATM limit
- Bybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per dayether.fi Cash CardCore/Luxe/Pinnacle: $1,000 per withdrawal, up to 5 withdrawals and $5,000 per rolling 24 hours. VIP numeric ceiling is unconfirmed.
Funding & transfers
5 fields- Networks
- Bybit Card (EU)Not disclosedether.fi Cash CardOptimism, Ethereum, Arbitrum, Base, HyperEVM, BNB Smart Chain +10
- Crypto deposits
- Bybit Card (EU)Other crypto: Supported cryptoether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, LiquidBTC, LiquidETH +8
- Fiat deposits
- Bybit Card (EU)Bybit EU Funding Account depositether.fi Cash CardUSD ACH, USD Fedwire, EUR SEPA, USD SWIFT +10
- Transfers
- Bybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawalether.fi Cash CardStablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2
- Payout currencies
- Bybit Card (EU)Not disclosedether.fi Cash CardUSD, EUR, GBP, AED, AUD, BRL, CAD, CHF +22
Rewards
3 fields- Base cashback
- Bybit Card (EU)1%ether.fi Cash Card3%
- Max cashback
- Bybit Card (EU)10%ether.fi Cash Card4%
- Reward currency
- Bybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)ether.fi Cash CardETHFI token cashback
Earn
5 fields- Advertised APY
- Bybit Card (EU)Up to 8% APYether.fi Cash CardUp to 5.47% APY
- How it works
- Bybit Card (EU)Not disclosedether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vault
- Separate deposit
- Bybit Card (EU)Not disclosedether.fi Cash CardNot disclosed
- Use balance for spending
- Bybit Card (EU)Not disclosedether.fi Cash CardNot disclosed
- Lock-up
- Bybit Card (EU)Not disclosedether.fi Cash CardNot disclosed
Trust & availability
5 fields- Custody
- Bybit Card (EU)Custodialether.fi Cash CardNon-custodial
- Control until payment
- Bybit Card (EU)Provider controls fundsether.fi Cash CardYou keep control
- Card issuer
- Bybit Card (EU)Harmoniie SAS, Moorwand Ltdether.fi Cash CardThird National
- Deposits & withdrawals
- Bybit Card (EU)Not disclosedether.fi Cash CardSEPA third-party provider
- Programme operator
- Bybit Card (EU)Not disclosedether.fi Cash Cardether.fi, Ether.Fi SEZC
Sources
2 fields- Official sources
- Bybit Card (EU)10ether.fi Cash Card37
- Last reviewed
- Bybit Card (EU)Oct 11, 2026ether.fi Cash CardOct 6, 2026
04 · The trade-off
ether.fi Cash Card is the stronger all-round choice
ether.fi Cash Card finishes ahead with an Overall Score of 86 versus 68 for Bybit Card (EU). The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. ether.fi Cash Card has the higher published base cashback rate (3% vs 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) uses a custodial balance setup, while ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
ether.fi Cash Card lists more stablecoins and ways to send money out (12 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 ether.fi Cash Card reviews first.
Continue with
Bybit Card (EU)
Continue with
ether.fi Cash Card
05 · Common questions
Bybit EU vs ether.fi Cash FAQ
Is Bybit EU or ether.fi Cash better overall?
ether.fi Cash Card has the higher Overall Score (86 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 ether.fi Cash?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 ether.fi Cash?
ether.fi Cash Card has the higher published base cashback rate (3% 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 ether.fi Cash differ on custody?
Bybit Card (EU) uses a custodial balance setup, while ether.fi Cash 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 ether.fi Cash comparison?
The latest information check for these two cards was October 11, 2026, using 47 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.