Bybit EUBybit EU
68
Side-by-side card comparison
Bybit EU vs Kolo: overall score versus use-case fit
Kolo Card has the higher Overall Score by 5 points (73 vs 68). Bybit Card (EU) looks stronger for Travel, while Kolo Card comes out ahead for Cashback, Funds control, Lowest fees, and Transfers.
Information checked Aug 28, 202638 official sources reviewed
01 · Overall score versus use-case fit
Kolo Card is the better all-round starting point
Kolo Card has the higher Overall Score in this comparison. Bybit Card (EU) may be the better fit for 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 EU68Kolo73Higher score
CashbackBybit EU47Kolo54Higher score
TravelBybit EU87Kolo70Higher score
Funds controlBybit EU51Kolo56Higher score
Lowest feesBybit EU72Kolo83Higher score
TransfersBybit EU79Kolo92Higher score
Choose Bybit Card (EU) if travel matters most
Bybit Card (EU) comes out ahead for 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 Kolo Card if cashback and funds control matter most
Kolo Card comes out ahead for Cashback, 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.
- Free virtual Visa Platinum
- 2% BTC cashback for 30 days
- Several withdrawal routes
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 EU68Kolo73
Kolo Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Bybit EU$0 plan · 0.5% FXKolo$0 plan · 1% FX
Bybit Card (EU) has the lower published FX fee (0.5% vs 1%).
- Purchase rewards
- Bybit EU1% base · up to 10%Kolo1% base · up to 2%
Both cards show the same base cashback rate of 1%.
- Funds control
- Bybit EUCustodial balanceKoloCustodial balance
Bybit Card (EU) and Kolo Card use the same custodial balance setup.
- Everyday access
- Bybit EUVirtual + Physical · Apple Pay, Google PayKoloVirtual · 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 withdrawalKolo5 stablecoins · Stablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
Kolo Card lists more stablecoins and ways to send money out (10 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
- 1%-2%
- Plan cost
- $0
- FX fee
- 1%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 20 crypto · 0 fiat
- Payout methods
- 20 crypto · 1 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)Overall68Kolo CardOverall73
Bybit Card (EU)Overall68Kolo CardOverall73Scores
6 fields- Overall Score
- Bybit Card (EU)68Kolo Card73
- Cashback score
- Bybit Card (EU)47Kolo Card54
- Travel score
- Bybit Card (EU)87Kolo Card70
- Funds control score
- Bybit Card (EU)51Kolo Card56
- Lowest fees score
- Bybit Card (EU)72Kolo Card83
- Transfers score
- Bybit Card (EU)79Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card accessKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- Bybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account modelKolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- Bybit Card (EU)$0Kolo Card$0
- FX fee
- Bybit Card (EU)0.5%Kolo Card1%
- Top-up fee
- Bybit Card (EU)Not disclosedKolo Card0%
- Card spending fee
- Bybit Card (EU)Not disclosedKolo CardNot disclosed
- ATM fee
- Bybit Card (EU)2%Kolo Card$1 + 0.65%
- Virtual card
- Bybit Card (EU)FreeKolo CardFree
- Physical card
- Bybit Card (EU)First physical card freeKolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- Bybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2Kolo CardNot disclosed
- Top cashback plan
- Bybit Card (EU)VIP 6 / PRO 3-5: 10%Kolo CardNot disclosed
Everyday use
8 fields- Network
- Bybit Card (EU)MastercardKolo CardVisa
- Card formats
- Bybit Card (EU)Virtual, PhysicalKolo CardVirtual
- ATM withdrawals
- Bybit Card (EU)AvailableKolo CardAvailable
- Mobile wallets
- Bybit Card (EU)Apple Pay, Google PayKolo CardApple Pay, Google Pay
- Apps
- Bybit Card (EU)iOS, Android, WebKolo CardiOS, Android
- Daily spending limit
- Bybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetimeKolo Card$9,000/day
- Monthly spending limit
- Bybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetimeKolo Card$9,000/month
- ATM limit
- Bybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per dayKolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Bybit Card (EU)Not disclosedKolo CardNot disclosed
- Crypto deposits
- Bybit Card (EU)Other crypto: Supported cryptoKolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- Bybit Card (EU)Bybit EU Funding Account depositKolo CardNot disclosed
- Transfers
- Bybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawalKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- Bybit Card (EU)Not disclosedKolo CardEUR
Rewards
3 fields- Base cashback
- Bybit Card (EU)1%Kolo Card1%
- Max cashback
- Bybit Card (EU)10%Kolo Card2%
- Reward currency
- Bybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)Kolo CardBTC cashback
Earn
5 fields- Advertised APY
- Bybit Card (EU)Up to 8% APYKolo CardNot offered
- How it works
- Bybit Card (EU)Not disclosedKolo CardNot offered
- Separate deposit
- Bybit Card (EU)Not disclosedKolo CardNot offered
- Use balance for spending
- Bybit Card (EU)Not disclosedKolo CardNot offered
- Lock-up
- Bybit Card (EU)Not disclosedKolo CardNot offered
Trust & availability
5 fields- Custody
- Bybit Card (EU)CustodialKolo CardCustodial
- Control until payment
- Bybit Card (EU)Provider controls fundsKolo CardProvider controls funds
- Card issuer
- Bybit Card (EU)Harmoniie SAS, Moorwand LtdKolo CardBanco Popular de Puerto Rico, Wirex Limited
- Identity verification
- Bybit Card (EU)Not disclosedKolo CardSumSub
- Programme operator
- Bybit Card (EU)Not disclosedKolo CardHardline Holding Limited
Sources
2 fields- Official sources
- Bybit Card (EU)10Kolo Card28
- Last reviewed
- Bybit Card (EU)Aug 14, 2026Kolo CardAug 28, 2026
04 · The trade-off
Kolo Card is the stronger all-round choice
Kolo Card finishes ahead with an Overall Score of 73 versus 68 for Bybit Card (EU). Bybit Card (EU) has the lower published FX fee (0.5% vs 1%). Both cards show the same base cashback rate of 1%.
Bybit Card (EU) still comes out ahead for Travel, which may matter more than the overall result if that is how you plan to use the card. Bybit Card (EU) and Kolo Card use the same custodial balance setup.
Kolo Card lists more stablecoins and ways to send money out (10 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 Kolo Card reviews first.
Continue with
Bybit Card (EU)
Continue with
Kolo Card
05 · Common questions
Bybit EU vs Kolo FAQ
Is Bybit EU or Kolo better overall?
Kolo Card has the higher Overall Score (73 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 Kolo?
Bybit Card (EU) has the lower published FX fee (0.5% vs 1%). 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 Kolo?
Both cards show the same base cashback rate of 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 Kolo differ on custody?
Bybit Card (EU) and Kolo Card use the same custodial balance setup.
How current is this Bybit EU vs Kolo comparison?
The latest information check for these two cards was August 28, 2026, using 38 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.