Bybit EUBybit EU
68
Side-by-side card comparison
Bybit EU vs Spritz: overall score versus use-case fit
Bybit Card (EU) has the higher Overall Score by 6 points (68 vs 62). Bybit Card (EU) looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Spritz Card comes out ahead for Funds control.
Information checked Aug 28, 202651 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. Spritz Card may be the better fit for Funds control. 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 EU68Spritz62Higher score
CashbackBybit EU47Spritz34Higher score
TravelBybit EU87Spritz46Higher score
Funds controlBybit EU51Spritz62Higher score
Lowest feesBybit EU72Spritz44Higher score
TransfersBybit EU79Spritz64Higher score
Choose Bybit Card (EU) if cashback and travel matter most
Bybit Card (EU) comes out ahead for Cashback, Travel, 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.
- Funding Account connects deposits and card spend
- Lite and Standard card access
- Default applicants start at 1% cashback
Choose Spritz Card if funds control matters most
Spritz Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
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 EU68Spritz62
Bybit Card (EU) has the higher Overall Score by 6 points.
- Entry cost & FX
- Bybit EU$0 plan · 0.5% FXSpritz$0 plan · Exact Spritz markup not disclosed; local exchange and conversion rates may apply 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%Spritz0% base · up to 5%
Bybit Card (EU) has the higher published base cashback rate (1% vs 0%).
- Funds control
- Bybit EUCustodial balanceSpritzHybrid custody
Bybit Card (EU) uses a custodial balance setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Bybit EUVirtual + Physical · Apple Pay, Google PaySpritzVirtual + 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 withdrawalSpritz0 stablecoins · Wallet-to-bank Off-Ramp
Bybit Card (EU) lists more stablecoins and ways to send money out (4 vs 1).
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%-5%
- Plan cost
- $0
- FX fee
- Exact Spritz markup not disclosed; local exchange and conversion rates may apply
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 4 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)Overall68Spritz CardOverall62
Bybit Card (EU)Overall68Spritz CardOverall62Scores
6 fields- Overall Score
- Bybit Card (EU)68Spritz Card62
- Cashback score
- Bybit Card (EU)47Spritz Card34
- Travel score
- Bybit Card (EU)87Spritz Card46
- Funds control score
- Bybit Card (EU)51Spritz Card62
- Lowest fees score
- Bybit Card (EU)72Spritz Card44
- Transfers score
- Bybit Card (EU)79Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card accessSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- Bybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account modelSpritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- Bybit Card (EU)$0Spritz Card$0
- FX fee
- Bybit Card (EU)0.5%Spritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- Bybit Card (EU)Not disclosedSpritz Card1–3%
- Card spending fee
- Bybit Card (EU)Not disclosedSpritz Card0%
- ATM fee
- Bybit Card (EU)2%Spritz CardNot disclosed
- Virtual card
- Bybit Card (EU)FreeSpritz CardNot disclosed
- Physical card
- Bybit Card (EU)First physical card freeSpritz CardNot disclosed
Plans
2 fields- Available plans
- Bybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2Spritz CardNot disclosed
- Top cashback plan
- Bybit Card (EU)VIP 6 / PRO 3-5: 10%Spritz CardNot disclosed
Everyday use
8 fields- Network
- Bybit Card (EU)MastercardSpritz CardVisa
- Card formats
- Bybit Card (EU)Virtual, PhysicalSpritz CardVirtual, Physical
- ATM withdrawals
- Bybit Card (EU)AvailableSpritz CardNot disclosed
- Mobile wallets
- Bybit Card (EU)Apple Pay, Google PaySpritz CardApple Pay, Google Pay
- Apps
- Bybit Card (EU)iOS, Android, WebSpritz CardiOS
- Daily spending limit
- Bybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetimeSpritz CardNo provider-published daily spend cap
- Monthly spending limit
- Bybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetimeSpritz CardNot disclosed
- ATM limit
- Bybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per daySpritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- Bybit Card (EU)Not disclosedSpritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- Bybit Card (EU)Other crypto: Supported cryptoSpritz CardOther crypto: Crypto top-up
- Fiat deposits
- Bybit Card (EU)Bybit EU Funding Account depositSpritz CardNot disclosed
- Transfers
- Bybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawalSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- Bybit Card (EU)Not disclosedSpritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- Bybit Card (EU)1%Spritz Card0%
- Max cashback
- Bybit Card (EU)10%Spritz Card5%
- Reward currency
- Bybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)Spritz CardSpritz Credits
Earn
5 fields- Advertised APY
- Bybit Card (EU)Up to 8% APYSpritz CardNot offered
- How it works
- Bybit Card (EU)Not disclosedSpritz CardNot offered
- Separate deposit
- Bybit Card (EU)Not disclosedSpritz CardNot offered
- Use balance for spending
- Bybit Card (EU)Not disclosedSpritz CardNot offered
- Lock-up
- Bybit Card (EU)Not disclosedSpritz CardNot offered
Trust & availability
4 fields- Custody
- Bybit Card (EU)CustodialSpritz CardHybrid custody
- Control until payment
- Bybit Card (EU)Provider controls fundsSpritz CardProvider controls funds
- Card issuer
- Bybit Card (EU)Harmoniie SAS, Moorwand LtdSpritz CardNot disclosed
- Card processing
- Bybit Card (EU)Not disclosedSpritz CardRain
Sources
2 fields- Official sources
- Bybit Card (EU)10Spritz Card41
- Last reviewed
- Bybit Card (EU)Aug 14, 2026Spritz CardAug 28, 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 62 for Spritz 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%).
Spritz Card still comes out ahead for Funds control, 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 Spritz Card uses a hybrid custody 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 1). 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 Spritz Card reviews first.
Continue with
Bybit Card (EU)
Continue with
Spritz Card
05 · Common questions
Bybit EU vs Spritz FAQ
Is Bybit EU or Spritz better overall?
Bybit Card (EU) has the higher Overall Score (68 vs 62). 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 Spritz?
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 Spritz?
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 Spritz differ on custody?
Bybit Card (EU) uses a custodial balance setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Bybit EU vs Spritz comparison?
The latest information check for these two cards was August 28, 2026, using 51 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.