Bybit EUBybit EU
68
Side-by-side card comparison
Bybit EU vs Xapo: overall score versus use-case fit
Xapo Card has the higher Overall Score by 2 points (70 vs 68). Bybit Card (EU) looks stronger for Cashback, while Xapo Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Sep 1, 202631 official sources reviewed
01 · Overall score versus use-case fit
Xapo Card is the better all-round starting point
Xapo Card has the higher Overall Score in this comparison. Bybit Card (EU) 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 EU68Xapo70Higher score
CashbackBybit EU47Xapo24Higher score
TravelBybit EU87Xapo91Higher score
Funds controlBybit EU51Xapo63Higher score
Lowest feesBybit EU72Xapo77Higher score
TransfersBybit EU79Xapo100Higher score
Choose Bybit Card (EU) if cashback matters most
Bybit Card (EU) 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.
- Funding Account connects deposits and card spend
- Lite and Standard card access
- Default applicants start at 1% cashback
Choose Xapo Card if travel and funds control matter most
Xapo Card comes out ahead for Travel, 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.
- No Xapo FX markup
- Account-backed bank and crypto 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 EU68Xapo70
Xapo Card has the higher Overall Score by 2 points.
- Entry cost & FX
- Bybit EU$0 plan · 0.5% FXXapo$1,000/year plan · 0–0.29% FX
Bybit Card (EU) has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Bybit EU1% base · up to 10%Xapo0% base · up to 3%
Bybit Card (EU) has the higher published base cashback rate (1% vs 0%).
- Funds control
- Bybit EUCustodial balanceXapoCustodial balance
Bybit Card (EU) and Xapo Card use the same custodial balance setup.
- Everyday access
- Bybit EUVirtual + Physical · Apple Pay, Google PayXapoVirtual + Physical · Unknown
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 withdrawalXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Xapo Card lists more stablecoins and ways to send money out (8 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
- 0%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 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)Overall68Xapo CardOverall70
Bybit Card (EU)Overall68Xapo CardOverall70Scores
6 fields- Overall Score
- Bybit Card (EU)68Xapo Card70
- Cashback score
- Bybit Card (EU)47Xapo Card24
- Travel score
- Bybit Card (EU)87Xapo Card91
- Funds control score
- Bybit Card (EU)51Xapo Card63
- Lowest fees score
- Bybit Card (EU)72Xapo Card77
- Transfers score
- Bybit Card (EU)79Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card accessXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Bybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account modelXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Bybit Card (EU)$0Xapo Card$1,000/year
- FX fee
- Bybit Card (EU)0.5%Xapo Card0–0.29%
- Top-up fee
- Bybit Card (EU)Not disclosedXapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Bybit Card (EU)Not disclosedXapo Card0%
- ATM fee
- Bybit Card (EU)2%Xapo Card0–2%
- Virtual card
- Bybit Card (EU)FreeXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Bybit Card (EU)First physical card freeXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Bybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2Xapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Bybit Card (EU)VIP 6 / PRO 3-5: 10%Xapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Bybit Card (EU)MastercardXapo CardVisa/Mastercard
- Card formats
- Bybit Card (EU)Virtual, PhysicalXapo CardVirtual, Physical
- ATM withdrawals
- Bybit Card (EU)AvailableXapo CardAvailable
- Mobile wallets
- Bybit Card (EU)Apple Pay, Google PayXapo CardNot disclosed
- Apps
- Bybit Card (EU)iOS, Android, WebXapo CardiOS, Android
- Daily spending limit
- Bybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetimeXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Bybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetimeXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Bybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per dayXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Bybit Card (EU)Not disclosedXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Bybit Card (EU)Other crypto: Supported cryptoXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Bybit Card (EU)Bybit EU Funding Account depositXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Bybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawalXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Bybit Card (EU)Not disclosedXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Bybit Card (EU)1%Xapo Card0%
- Max cashback
- Bybit Card (EU)10%Xapo Card3%
- Reward currency
- Bybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)Xapo CardBTC
Earn
5 fields- Advertised APY
- Bybit Card (EU)Up to 8% APYXapo CardUp to 3.35% APY
- How it works
- Bybit Card (EU)Not disclosedXapo CardEarn on spending balance
- Separate deposit
- Bybit Card (EU)Not disclosedXapo CardNo
- Use balance for spending
- Bybit Card (EU)Not disclosedXapo CardYes
- Lock-up
- Bybit Card (EU)Not disclosedXapo CardNo
Trust & availability
4 fields- Custody
- Bybit Card (EU)CustodialXapo CardCustodial
- Control until payment
- Bybit Card (EU)Provider controls fundsXapo CardProvider controls funds
- Card issuer
- Bybit Card (EU)Harmoniie SAS, Moorwand LtdXapo CardTransact Payments Malta Limited
- Bank transfers
- Bybit Card (EU)Not disclosedXapo CardXapo Bank Limited
Sources
2 fields- Official sources
- Bybit Card (EU)10Xapo Card21
- Last reviewed
- Bybit Card (EU)Aug 14, 2026Xapo CardSep 1, 2026
04 · The trade-off
Xapo Card is the stronger all-round choice
Xapo Card finishes ahead with an Overall Score of 70 versus 68 for Bybit Card (EU). Bybit Card (EU) has the lower starting plan cost ($0 vs $1,000/year). Bybit Card (EU) has the higher published base cashback rate (1% vs 0%).
Bybit Card (EU) 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 Xapo Card use the same custodial balance setup.
Xapo Card lists more stablecoins and ways to send money out (8 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 Xapo Card reviews first.
Continue with
Bybit Card (EU)
Continue with
Xapo Card
05 · Common questions
Bybit EU vs Xapo FAQ
Is Bybit EU or Xapo better overall?
Xapo Card has the higher Overall Score (70 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 Xapo?
Bybit Card (EU) has the lower starting plan cost ($0 vs $1,000/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 Xapo?
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 Xapo differ on custody?
Bybit Card (EU) and Xapo Card use the same custodial balance setup.
How current is this Bybit EU vs Xapo comparison?
The latest information check for these two cards was September 1, 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.