Bybit EUBybit EU
68
Side-by-side card comparison
Bybit EU vs Pionex: overall score versus use-case fit
Bybit Card (EU) has the higher Overall Score by 11 points (68 vs 57). Bybit Card (EU) looks stronger for Travel, Funds control, and Lowest fees, while Pionex Card comes out ahead for Cashback.
Information checked Aug 14, 202669 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. Pionex Card may be the better fit for Cashback. 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 EU68Pionex57Higher score
CashbackBybit EU47Pionex52Higher score
TravelBybit EU87Pionex29Higher score
Funds controlBybit EU51Pionex43Higher score
Lowest feesBybit EU72Pionex58Higher score
TransfersBybit EU79Pionex79Same score
Choose Bybit Card (EU) if travel and funds control matter most
Bybit Card (EU) comes out ahead for Travel, Funds control, 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 Pionex Card if cashback matters most
Pionex Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Visa and Mastercard options
- 0.1%-1% cashback in USDT
- Pionex account funding and payouts
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 EU68Pionex57
Bybit Card (EU) has the higher Overall Score by 11 points.
- Entry cost & FX
- Bybit EU$0 plan · 0.5% FXPionex$0 plan · Not disclosed 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%Pionex0.1% base · up to 1%
Bybit Card (EU) has the higher published base cashback rate (1% vs 0.1%).
- Funds control
- Bybit EUCustodial balancePionexCustodial balance
Bybit Card (EU) and Pionex Card use the same custodial balance setup.
- Everyday access
- Bybit EUVirtual + Physical · Apple Pay, Google PayPionexVirtual · 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 withdrawalPionex1 stablecoin · Stablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
Both cards list the same number of stablecoins and ways to send money out.
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
- 0.1%-1%
- Plan cost
- $0
- FX fee
- Not disclosed
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
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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)Overall68Pionex CardOverall57
Bybit Card (EU)Overall68Pionex CardOverall57Scores
6 fields- Overall Score
- Bybit Card (EU)68Pionex Card57
- Cashback score
- Bybit Card (EU)47Pionex Card52
- Travel score
- Bybit Card (EU)87Pionex Card29
- Funds control score
- Bybit Card (EU)51Pionex Card43
- Lowest fees score
- Bybit Card (EU)72Pionex Card58
- Transfers score
- Bybit Card (EU)79Pionex Card79
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card accessPionex CardVisa and Mastercard options, 0.1%-1% cashback in USDT
- Trade-offs
- Bybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account modelPionex CardMastercard can cost up to 3.5%, General access is virtual-only
Costs
7 fields- Plan cost
- Bybit Card (EU)$0Pionex Card$0
- FX fee
- Bybit Card (EU)0.5%Pionex CardNot disclosed
- Top-up fee
- Bybit Card (EU)Not disclosedPionex CardNot disclosed
- Card spending fee
- Bybit Card (EU)Not disclosedPionex Card3.5%
- ATM fee
- Bybit Card (EU)2%Pionex CardNot available
- Virtual card
- Bybit Card (EU)FreePionex CardAvailable
- Physical card
- Bybit Card (EU)First physical card freePionex CardNot available
Plans
2 fields- Available plans
- Bybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2Pionex Card2 plans: Mastercard, Visa
- Top cashback plan
- Bybit Card (EU)VIP 6 / PRO 3-5: 10%Pionex CardVisa: 1%
Everyday use
8 fields- Network
- Bybit Card (EU)MastercardPionex CardVisa/Mastercard
- Card formats
- Bybit Card (EU)Virtual, PhysicalPionex CardVirtual
- ATM withdrawals
- Bybit Card (EU)AvailablePionex CardNot available
- Mobile wallets
- Bybit Card (EU)Apple Pay, Google PayPionex CardApple Pay, Google Pay
- Apps
- Bybit Card (EU)iOS, Android, WebPionex CardNot disclosed
- Daily spending limit
- Bybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetimePionex Card$10,000-$20,000/day; $10,000-$20,000/transaction depending on network
- Monthly spending limit
- Bybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetimePionex Card$50,000-$100,000/month depending on network
- ATM limit
- Bybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per dayPionex CardNot available
Funding & transfers
5 fields- Networks
- Bybit Card (EU)Not disclosedPionex CardNot disclosed
- Crypto deposits
- Bybit Card (EU)Other crypto: Supported cryptoPionex CardOther crypto: Supported crypto
- Fiat deposits
- Bybit Card (EU)Bybit EU Funding Account depositPionex CardNot disclosed
- Transfers
- Bybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawalPionex CardStablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
- Payout currencies
- Bybit Card (EU)Not disclosedPionex CardNot disclosed
Rewards
3 fields- Base cashback
- Bybit Card (EU)1%Pionex Card0.1%
- Max cashback
- Bybit Card (EU)10%Pionex Card1%
- Reward currency
- Bybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)Pionex CardUSDT
Earn
5 fields- Advertised APY
- Bybit Card (EU)Up to 8% APYPionex CardUp to 5% APY
- How it works
- Bybit Card (EU)Not disclosedPionex CardEarn on spending balance
- Separate deposit
- Bybit Card (EU)Not disclosedPionex CardNo
- Use balance for spending
- Bybit Card (EU)Not disclosedPionex CardYes
- Lock-up
- Bybit Card (EU)Not disclosedPionex CardNo
Trust & availability
3 fields- Custody
- Bybit Card (EU)CustodialPionex CardCustodial
- Control until payment
- Bybit Card (EU)Provider controls fundsPionex CardProvider controls funds
- Card issuer
- Bybit Card (EU)Harmoniie SAS, Moorwand LtdPionex CardNot disclosed
Sources
2 fields- Official sources
- Bybit Card (EU)10Pionex Card59
- Last reviewed
- Bybit Card (EU)Aug 14, 2026Pionex CardAug 14, 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 57 for Pionex Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Bybit Card (EU) has the higher published base cashback rate (1% vs 0.1%).
Pionex Card still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. Bybit Card (EU) and Pionex Card use the same custodial balance setup.
Both cards list the same number of stablecoins and ways to send money out. 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 Pionex Card reviews first.
Continue with
Bybit Card (EU)
Continue with
Pionex Card
05 · Common questions
Bybit EU vs Pionex FAQ
Is Bybit EU or Pionex better overall?
Bybit Card (EU) has the higher Overall Score (68 vs 57). 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 Pionex?
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 Pionex?
Bybit Card (EU) has the higher published base cashback rate (1% vs 0.1%). 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 Pionex differ on custody?
Bybit Card (EU) and Pionex Card use the same custodial balance setup.
How current is this Bybit EU vs Pionex comparison?
The latest information check for these two cards was August 14, 2026, using 69 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.