Bybit EUBybit EU
68
Side-by-side card comparison
Bybit EU vs Fuse: overall score versus use-case fit
Fuse Card has the higher Overall Score by 6 points (74 vs 68). Bybit Card (EU) looks stronger for Cashback and Travel, while Fuse Card comes out ahead for Funds control, Lowest fees, and Transfers.
Information checked Aug 14, 202625 official sources reviewed
01 · Overall score versus use-case fit
Fuse Card is the better all-round starting point
Fuse Card has the higher Overall Score in this comparison. Bybit Card (EU) may be the better fit for Cashback and Travel. 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 EU68Fuse74Higher score
CashbackBybit EU47Fuse25Higher score
TravelBybit EU87Fuse65Higher score
Funds controlBybit EU51Fuse91Higher score
Lowest feesBybit EU72Fuse93Higher score
TransfersBybit EU79Fuse97Higher score
Choose Bybit Card (EU) if cashback and travel matter most
Bybit Card (EU) comes out ahead for Cashback and Travel 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 Fuse Card if funds control and lowest fees matter most
Fuse Card comes out ahead for Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Separate USDC Card Account
- Apple Pay for in-person spend
- USD and EUR receive 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 EU68Fuse74
Fuse Card has the higher Overall Score by 6 points.
- Entry cost & FX
- Bybit EU$0 plan · 0.5% FXFuse$0 plan · 0% FX
Fuse Card has the lower published FX fee (0% vs 0.5%).
- Purchase rewards
- Bybit EU1% base · up to 10%Fuse0% cashback
Bybit Card (EU) has the higher published base cashback rate (1% vs 0%).
- Funds control
- Bybit EUCustodial balanceFuseSelf-controlled wallet
Bybit Card (EU) uses a custodial balance setup, while Fuse 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 PayFuseVirtual · Apple Pay
Bybit Card (EU) lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Bybit EU2 stablecoins · Stablecoin transfers; Bybit EU account fiat withdrawalFuse1 stablecoin · Stablecoin transfers; ACH / SEPA bank transfers
Bybit Card (EU) lists more stablecoins and ways to send money out (4 vs 3).
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%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 3 crypto · 2 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)Overall68Fuse CardOverall74
Bybit Card (EU)Overall68Fuse CardOverall74Scores
6 fields- Overall Score
- Bybit Card (EU)68Fuse Card74
- Cashback score
- Bybit Card (EU)47Fuse Card25
- Travel score
- Bybit Card (EU)87Fuse Card65
- Funds control score
- Bybit Card (EU)51Fuse Card91
- Lowest fees score
- Bybit Card (EU)72Fuse Card93
- Transfers score
- Bybit Card (EU)79Fuse Card97
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card accessFuse CardSeparate USDC Card Account, Apple Pay for in-person spend
- Trade-offs
- Bybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account modelFuse CardiOS and virtual-only access, Receive rails convert incoming fiat
Costs
7 fields- Plan cost
- Bybit Card (EU)$0Fuse Card$0
- FX fee
- Bybit Card (EU)0.5%Fuse Card0%
- Top-up fee
- Bybit Card (EU)Not disclosedFuse Card0%
- Card spending fee
- Bybit Card (EU)Not disclosedFuse Card0%
- ATM fee
- Bybit Card (EU)2%Fuse CardNot available
- Virtual card
- Bybit Card (EU)FreeFuse CardVirtual card purchase $0 after Bridge KYC
- Physical card
- Bybit Card (EU)First physical card freeFuse CardNot available in captured Fuse support page
Plans
2 fields- Available plans
- Bybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2Fuse Card1 plans: Fuse Plus
- Top cashback plan
- Bybit Card (EU)VIP 6 / PRO 3-5: 10%Fuse CardNot disclosed
Everyday use
8 fields- Network
- Bybit Card (EU)MastercardFuse CardVisa
- Card formats
- Bybit Card (EU)Virtual, PhysicalFuse CardVirtual
- ATM withdrawals
- Bybit Card (EU)AvailableFuse CardNot available
- Mobile wallets
- Bybit Card (EU)Apple Pay, Google PayFuse CardApple Pay
- Apps
- Bybit Card (EU)iOS, Android, WebFuse CardiOS
- Daily spending limit
- Bybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetimeFuse Card$2,000/day; $2,000/transaction
- Monthly spending limit
- Bybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetimeFuse CardMonthly cap not disclosed; daily and transaction caps are approved
- ATM limit
- Bybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per dayFuse CardNot available
Funding & transfers
5 fields- Networks
- Bybit Card (EU)Not disclosedFuse CardSolana
- Crypto deposits
- Bybit Card (EU)Other crypto: Supported cryptoFuse CardStablecoins: USDC; Other crypto: SOL, SPL tokens
- Fiat deposits
- Bybit Card (EU)Bybit EU Funding Account depositFuse CardUSD virtual bank account, EUR virtual bank account
- Transfers
- Bybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawalFuse CardStablecoin transfers; ACH / SEPA bank transfers
- Payout currencies
- Bybit Card (EU)Not disclosedFuse CardUSD, EUR
Rewards
3 fields- Base cashback
- Bybit Card (EU)1%Fuse Card0%
- Max cashback
- Bybit Card (EU)10%Fuse Card0%
- Reward currency
- Bybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)Fuse CardNo cashback
Earn
5 fields- Advertised APY
- Bybit Card (EU)Up to 8% APYFuse CardNot disclosed
- How it works
- Bybit Card (EU)Not disclosedFuse CardOptional earn vault
- Separate deposit
- Bybit Card (EU)Not disclosedFuse CardYes
- Use balance for spending
- Bybit Card (EU)Not disclosedFuse CardNo
- Lock-up
- Bybit Card (EU)Not disclosedFuse CardNot disclosed
Trust & availability
5 fields- Custody
- Bybit Card (EU)CustodialFuse CardSelf-custody
- Control until payment
- Bybit Card (EU)Provider controls fundsFuse CardYou keep control
- Card issuer
- Bybit Card (EU)Harmoniie SAS, Moorwand LtdFuse CardLead Bank
- Card processing
- Bybit Card (EU)Not disclosedFuse CardBridge Ventures LLC, Squads Labs
- Programme operator
- Bybit Card (EU)Not disclosedFuse CardBridge Ventures LLC
Sources
2 fields- Official sources
- Bybit Card (EU)10Fuse Card15
- Last reviewed
- Bybit Card (EU)Aug 14, 2026Fuse CardAug 12, 2026
04 · The trade-off
Fuse Card is the stronger all-round choice
Fuse Card finishes ahead with an Overall Score of 74 versus 68 for Bybit Card (EU). Fuse Card has the lower published FX fee (0% vs 0.5%). Bybit Card (EU) has the higher published base cashback rate (1% vs 0%).
Bybit Card (EU) still comes out ahead for Cashback and Travel, 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 Fuse Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Bybit Card (EU) lists more stablecoins and ways to send money out (4 vs 3). 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 Fuse Card reviews first.
Continue with
Bybit Card (EU)
Continue with
Fuse Card
05 · Common questions
Bybit EU vs Fuse FAQ
Is Bybit EU or Fuse better overall?
Fuse Card has the higher Overall Score (74 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 Fuse?
Fuse Card has the lower published FX fee (0% 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 Fuse?
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 Fuse differ on custody?
Bybit Card (EU) uses a custodial balance setup, while Fuse 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 Fuse comparison?
The latest information check for these two cards was August 14, 2026, using 25 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.