Bybit EUBybit EU
68
Side-by-side card comparison
Bybit EU vs Exa: overall score versus use-case fit
Bybit Card (EU) has the higher Overall Score by 2 points (68 vs 66). Bybit Card (EU) looks stronger for Cashback, Travel, and Lowest fees, while Exa Card comes out ahead for Funds control and Transfers.
Information checked Aug 23, 202641 official sources reviewed
01 · Overall score versus use-case fit
Bybit Card (EU) is the better all-round starting point
Bybit Card (EU) has the higher Overall Score in this comparison. Exa Card may be the better fit for Funds control and Transfers. 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 EU68Exa66Higher score
CashbackBybit EU47Exa19Higher score
TravelBybit EU87Exa61Higher score
Funds controlBybit EU51Exa88Higher score
Lowest feesBybit EU72Exa67Higher score
TransfersBybit EU79Exa97Higher score
Choose Bybit Card (EU) if cashback and travel matter most
Bybit Card (EU) comes out ahead for Cashback, 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 Exa Card if funds control and transfers matter most
Exa Card comes out ahead for 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.
- Deposited assets can earn yield
- Spend balance or borrow USDC
- Self-custody on Exactly Protocol
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 EU68Exa66
Bybit Card (EU) has the higher Overall Score by 2 points.
- Entry cost & FX
- Bybit EU$0 plan · 0.5% FXExa$0 plan · 1.5% FX
Bybit Card (EU) has the lower published FX fee (0.5% vs 1.5%).
- Purchase rewards
- Bybit EU1% base · up to 10%Exa0% cashback
Bybit Card (EU) has the higher published base cashback rate (1% vs 0%).
- Funds control
- Bybit EUCustodial balanceExaSelf-controlled wallet
Bybit Card (EU) uses a custodial balance setup, while Exa Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Bybit EUVirtual + Physical · Apple Pay, Google PayExaVirtual · Apple Pay, Google 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 withdrawalExa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
Exa 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
66
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.5%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 4 fiat
- Payout methods
- 1 crypto · 2 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)Overall68Exa CardOverall66
Bybit Card (EU)Overall68Exa CardOverall66Scores
6 fields- Overall Score
- Bybit Card (EU)68Exa Card66
- Cashback score
- Bybit Card (EU)47Exa Card19
- Travel score
- Bybit Card (EU)87Exa Card61
- Funds control score
- Bybit Card (EU)51Exa Card88
- Lowest fees score
- Bybit Card (EU)72Exa Card67
- Transfers score
- Bybit Card (EU)79Exa Card97
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card accessExa CardDeposited assets can earn yield, Spend balance or borrow USDC
- Trade-offs
- Bybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account modelExa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacy
Costs
7 fields- Plan cost
- Bybit Card (EU)$0Exa Card$0
- FX fee
- Bybit Card (EU)0.5%Exa Card1.5%
- Top-up fee
- Bybit Card (EU)Not disclosedExa Card1%
- Card spending fee
- Bybit Card (EU)Not disclosedExa CardNot disclosed
- ATM fee
- Bybit Card (EU)2%Exa Card$1 + 0.65%
- Virtual card
- Bybit Card (EU)FreeExa CardFree with Exa Wallet
- Physical card
- Bybit Card (EU)First physical card freeExa CardNot available
Plans
2 fields- Available plans
- Bybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2Exa CardNot disclosed
- Top cashback plan
- Bybit Card (EU)VIP 6 / PRO 3-5: 10%Exa CardNot disclosed
Everyday use
8 fields- Network
- Bybit Card (EU)MastercardExa CardVisa
- Card formats
- Bybit Card (EU)Virtual, PhysicalExa CardVirtual
- ATM withdrawals
- Bybit Card (EU)AvailableExa CardAvailable
- Mobile wallets
- Bybit Card (EU)Apple Pay, Google PayExa CardApple Pay, Google Pay
- Apps
- Bybit Card (EU)iOS, Android, WebExa CardiOS, Android, Web
- Daily spending limit
- Bybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetimeExa CardDynamic / collateral-based; exact Exa App limit shown in app
- Monthly spending limit
- Bybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetimeExa CardDynamic / collateral-based; exact Exa App limit shown in app
- ATM limit
- Bybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per dayExa Card$250/withdrawal; $1000/day
Funding & transfers
5 fields- Networks
- Bybit Card (EU)Not disclosedExa CardOptimism
- Crypto deposits
- Bybit Card (EU)Other crypto: Supported cryptoExa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETH
- Fiat deposits
- Bybit Card (EU)Bybit EU Funding Account depositExa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency deposit
- Transfers
- Bybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawalExa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
- Payout currencies
- Bybit Card (EU)Not disclosedExa CardUSD, EUR
Rewards
3 fields- Base cashback
- Bybit Card (EU)1%Exa Card0%
- Max cashback
- Bybit Card (EU)10%Exa Card0%
- Reward currency
- Bybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)Exa CardNo cashback
Earn
5 fields- Advertised APY
- Bybit Card (EU)Up to 8% APYExa CardUp to 0.99776% APY
- How it works
- Bybit Card (EU)Not disclosedExa CardEarn on spending balance, Borrow against collateral
- Separate deposit
- Bybit Card (EU)Not disclosedExa CardNo
- Use balance for spending
- Bybit Card (EU)Not disclosedExa CardYes
- Lock-up
- Bybit Card (EU)Not disclosedExa CardNo
Trust & availability
6 fields- Custody
- Bybit Card (EU)CustodialExa CardSelf-custody
- Control until payment
- Bybit Card (EU)Provider controls fundsExa CardYou keep control
- Card issuer
- Bybit Card (EU)Harmoniie SAS, Moorwand LtdExa CardThird National Bank, Third National
- Card processing
- Bybit Card (EU)Not disclosedExa CardExa Labs SAS
- Deposits & withdrawals
- Bybit Card (EU)Not disclosedExa CardBridge, Manteca
- Programme operator
- Bybit Card (EU)Not disclosedExa CardExa Labs SAS
Sources
2 fields- Official sources
- Bybit Card (EU)10Exa Card31
- Last reviewed
- Bybit Card (EU)Aug 14, 2026Exa CardAug 23, 2026
04 · The trade-off
Bybit Card (EU) is the stronger all-round choice
Bybit Card (EU) finishes ahead with an Overall Score of 68 versus 66 for Exa Card. Bybit Card (EU) has the lower published FX fee (0.5% vs 1.5%). Bybit Card (EU) has the higher published base cashback rate (1% vs 0%).
Exa Card still comes out ahead for Funds control and Transfers, 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 Exa Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Exa 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 Exa Card reviews first.
Continue with
Bybit Card (EU)
Continue with
Exa Card
05 · Common questions
Bybit EU vs Exa FAQ
Is Bybit EU or Exa better overall?
Bybit Card (EU) has the higher Overall Score (68 vs 66). 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 Exa?
Bybit Card (EU) has the lower published FX fee (0.5% vs 1.5%). 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 Exa?
Bybit Card (EU) has the higher published base cashback rate (1% vs 0%). 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 Exa differ on custody?
Bybit Card (EU) uses a custodial balance setup, while Exa Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Bybit EU vs Exa comparison?
The latest information check for these two cards was August 23, 2026, using 41 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.