Bybit EUBybit EU
68
Side-by-side card comparison
Bybit EU vs Tria: overall score versus use-case fit
Bybit Card (EU) has the higher Overall Score by 1 point (68 vs 67). Bybit Card (EU) looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Tria Card comes out ahead for Funds control.
Information checked Aug 25, 202631 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. Tria 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 EU68Tria67Higher score
CashbackBybit EU47Tria45Higher score
TravelBybit EU87Tria62Higher score
Funds controlBybit EU51Tria91Higher score
Lowest feesBybit EU72Tria51Higher score
TransfersBybit EU79Tria63Higher 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 Tria Card if funds control matters most
Tria 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.
- Self-custody wallet linked to card spend
- Physical, virtual and phone-wallet access
- Higher tiers raise caps and perks
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 EU68Tria67
Bybit Card (EU) has the higher Overall Score by 1 points.
- Entry cost & FX
- Bybit EU$0 plan · 0.5% FXTria$25/year plan · 0–3% FX
Bybit Card (EU) has the lower starting plan cost ($0 vs $25/year).
- Purchase rewards
- Bybit EU1% base · up to 10%Tria1.5% base · up to 6%
Tria Card has the higher published base cashback rate (1.5% vs 1%).
- Funds control
- Bybit EUCustodial balanceTriaSelf-controlled wallet
Bybit Card (EU) uses a custodial balance setup, while Tria 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 PayTriaVirtual + 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 withdrawalTria2 stablecoins · Stablecoin 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
- 1.5%-6%
- Plan cost
- $25/year
- FX fee
- 0–3%
- ATM fee
- Up to $2 + 3%; inquiry/decline up to $2
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 0 fiat
- Payout methods
- 5 crypto · 0 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)Overall68Tria CardOverall67
Bybit Card (EU)Overall68Tria CardOverall67Scores
6 fields- Overall Score
- Bybit Card (EU)68Tria Card67
- Cashback score
- Bybit Card (EU)47Tria Card45
- Travel score
- Bybit Card (EU)87Tria Card62
- Funds control score
- Bybit Card (EU)51Tria Card91
- Lowest fees score
- Bybit Card (EU)72Tria Card51
- Transfers score
- Bybit Card (EU)79Tria Card63
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card accessTria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet access
- Trade-offs
- Bybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account modelTria CardEntry tier is paid, Funding and FX use separate fee layers
Costs
7 fields- Plan cost
- Bybit Card (EU)$0Tria Card$25/year
- FX fee
- Bybit Card (EU)0.5%Tria Card0–3%
- Top-up fee
- Bybit Card (EU)Not disclosedTria Card1%
- Card spending fee
- Bybit Card (EU)Not disclosedTria CardNot disclosed
- ATM fee
- Bybit Card (EU)2%Tria CardUp to $2 + 3%; inquiry/decline up to $2
- Virtual card
- Bybit Card (EU)FreeTria Card$25/year Virtual membership; issued after payment and KYC
- Physical card
- Bybit Card (EU)First physical card freeTria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gated
Plans
2 fields- Available plans
- Bybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2Tria Card3 plans: Virtual, Signature, Premium
- Top cashback plan
- Bybit Card (EU)VIP 6 / PRO 3-5: 10%Tria CardPremium: 6%
Everyday use
8 fields- Network
- Bybit Card (EU)MastercardTria CardVisa
- Card formats
- Bybit Card (EU)Virtual, PhysicalTria CardVirtual, Physical
- ATM withdrawals
- Bybit Card (EU)AvailableTria CardAvailable
- Mobile wallets
- Bybit Card (EU)Apple Pay, Google PayTria CardApple Pay, Google Pay
- Apps
- Bybit Card (EU)iOS, Android, WebTria CardiOS, Android, Web
- Daily spending limit
- Bybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetimeTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- Monthly spending limit
- Bybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetimeTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- ATM limit
- Bybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per dayTria Card$750/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Bybit Card (EU)Not disclosedTria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2
- Crypto deposits
- Bybit Card (EU)Other crypto: Supported cryptoTria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL
- Fiat deposits
- Bybit Card (EU)Bybit EU Funding Account depositTria CardNot disclosed
- Transfers
- Bybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawalTria CardStablecoin transfers
- Payout currencies
- Bybit Card (EU)Not disclosedTria CardNot disclosed
Rewards
3 fields- Base cashback
- Bybit Card (EU)1%Tria Card1.5%
- Max cashback
- Bybit Card (EU)10%Tria Card6%
- Reward currency
- Bybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)Tria CardUSDC and/or USDT stablecoins cashback
Earn
5 fields- Advertised APY
- Bybit Card (EU)Up to 8% APYTria CardUp to 15% APY
- How it works
- Bybit Card (EU)Not disclosedTria CardOptional earn vault
- Separate deposit
- Bybit Card (EU)Not disclosedTria CardNot disclosed
- Use balance for spending
- Bybit Card (EU)Not disclosedTria CardNot disclosed
- Lock-up
- Bybit Card (EU)Not disclosedTria CardNo
Trust & availability
4 fields- Custody
- Bybit Card (EU)CustodialTria CardSelf-custody
- Control until payment
- Bybit Card (EU)Provider controls fundsTria CardYou keep control
- Card issuer
- Bybit Card (EU)Harmoniie SAS, Moorwand LtdTria CardNimbus, LLC, Third National
- Programme operator
- Bybit Card (EU)Not disclosedTria CardThreely Dimensions Inc.
Sources
2 fields- Official sources
- Bybit Card (EU)10Tria Card21
- Last reviewed
- Bybit Card (EU)Aug 14, 2026Tria CardAug 25, 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 67 for Tria Card. Bybit Card (EU) has the lower starting plan cost ($0 vs $25/year). Tria Card has the higher published base cashback rate (1.5% vs 1%).
Tria 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 Tria 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 Tria Card reviews first.
Continue with
Bybit Card (EU)
Continue with
Tria Card
05 · Common questions
Bybit EU vs Tria FAQ
Is Bybit EU or Tria better overall?
Bybit Card (EU) has the higher Overall Score (68 vs 67). 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 Tria?
Bybit Card (EU) has the lower starting plan cost ($0 vs $25/year). 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 Tria?
Tria Card has the higher published base cashback rate (1.5% vs 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 Tria differ on custody?
Bybit Card (EU) uses a custodial balance setup, while Tria 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 Tria comparison?
The latest information check for these two cards was August 25, 2026, using 31 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.