BybitBybit
72
Side-by-side card comparison
Bybit vs Bitpanda: overall score versus use-case fit
Bitpanda Card has the higher Overall Score by 1 point (73 vs 72). Bybit Card (Global) looks stronger for Cashback and Travel, while Bitpanda Card comes out ahead for Funds control, Lowest fees, and Transfers.
Information checked Oct 11, 202625 official sources reviewed
01 · Overall score versus use-case fit
Bitpanda Card is the better all-round starting point
Bitpanda Card has the higher Overall Score in this comparison. Bybit Card (Global) may be the better fit for Cashback and 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.
OverallBybit72Bitpanda73Higher score
CashbackBybit63Bitpanda60Higher score
TravelBybit80Bitpanda79Higher score
Funds controlBybit51Bitpanda56Higher score
Lowest feesBybit66Bitpanda67Higher score
TransfersBybit79Bitpanda85Higher score
Choose Bybit Card (Global) if cashback and travel matter most
Bybit Card (Global) comes out ahead for Cashback and Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Spend from a Bybit account balance
- Physical and virtual Mastercard access
- Cashback can rise through tiers
Choose Bitpanda Card if funds control and lowest fees matter most
Bitpanda Card comes out ahead for 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 monthly fee
- Apple Pay and Google Pay
- Crypto and metals payments
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
- Bybit72Bitpanda73
Bitpanda Card has the higher Overall Score by 1 points.
- Entry cost & FX
- Bybit$0 plan · 1.5–7% FXBitpanda$0 plan · 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable FX
Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs 1.5–7%).
- Purchase rewards
- Bybit2% base · up to 10%Bitpanda1% cashback
Bybit Card (Global) has the higher published base cashback rate (2% vs 1%).
- Funds control
- BybitCustodial balanceBitpandaCustodial balance
Bybit Card (Global) and Bitpanda Card use the same custodial balance setup.
- Everyday access
- BybitVirtual + Physical · Apple Pay, Google Pay · Region dependentBitpandaVirtual + Physical · Apple Pay, Google Pay
Bitpanda Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Bybit2 stablecoins · Stablecoin transfers; Bybit account fiat withdrawalBitpanda2 stablecoins · Stablecoin transfers; EUR SEPA withdrawal
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
- 2%-10%
- Plan cost
- $0
- FX fee
- 1.5–7%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay · Region dependent
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 1%
- Plan cost
- $0
- FX fee
- 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- ATM fee
- 2%; min €2
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 1 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
Bybit Card (Global)
Get 10 USDT
10 USDT referral reward after qualifying Bybit Card spend
- Spend more than 100 USDT or equivalent with the Bybit Card.
Bybit Card promo codeEXVJGK
Offer terms can change. Check the current Bybit Card referral programme before applying.
Bitpanda Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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 (Global)Overall72Bitpanda CardOverall73
Bybit Card (Global)Overall72Bitpanda CardOverall73Scores
6 fields- Overall Score
- Bybit Card (Global)72Bitpanda Card73
- Cashback score
- Bybit Card (Global)63Bitpanda Card60
- Travel score
- Bybit Card (Global)80Bitpanda Card79
- Funds control score
- Bybit Card (Global)51Bitpanda Card56
- Lowest fees score
- Bybit Card (Global)66Bitpanda Card67
- Transfers score
- Bybit Card (Global)79Bitpanda Card85
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (Global)Spend from a Bybit account balance, Physical and virtual Mastercard accessBitpanda CardNo monthly fee, Apple Pay and Google Pay
- Trade-offs
- Bybit Card (Global)Spending follows the Bybit account model, FX can get expensiveBitpanda CardAsset sale fees on payments, Limited cashback eligibility
Costs
7 fields- Plan cost
- Bybit Card (Global)$0Bitpanda Card$0
- FX fee
- Bybit Card (Global)1.5–7%Bitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- Bybit Card (Global)Not disclosedBitpanda CardEUR SEPA deposits and withdrawals: no Bitpanda fee. PayPal deposit: 1.49%. Bank charges and other methods may differ. These fund the provider account
- Card spending fee
- Bybit Card (Global)Not disclosedBitpanda CardNot disclosed
- ATM fee
- Bybit Card (Global)0–2%Bitpanda Card2%; min €2
- Virtual card
- Bybit Card (Global)No fee until further noticeBitpanda CardNot disclosed
- Physical card
- Bybit Card (Global)Free / 5 / 29.99Bitpanda CardFirst card free. One active physical card per user.
Plans
2 fields- Available plans
- Bybit Card (Global)6 plans: Base, Beta, Alpha, Apex +2Bitpanda Card1 plans: Standard
- Top cashback plan
- Bybit Card (Global)Infinite: 10%Bitpanda CardStandard: 1%
Everyday use
8 fields- Network
- Bybit Card (Global)Mastercard/VisaBitpanda CardVisa
- Card formats
- Bybit Card (Global)Virtual, PhysicalBitpanda CardVirtual, Physical
- ATM withdrawals
- Bybit Card (Global)AvailableBitpanda CardAvailable
- Mobile wallets
- Bybit Card (Global)Apple Pay, Google Pay · Region dependentBitpanda CardApple Pay, Google Pay
- Apps
- Bybit Card (Global)iOS, AndroidBitpanda CardiOS, Android, Web
- Daily spending limit
- Bybit Card (Global)$1k Peru · $5k Argentina · $50k Australia · $15k Georgia/AIFC · APAC $10k–$100k by tier · 27.5k BRL Brazil · 97k MXN MexicoBitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- Bybit Card (Global)$5k Peru · $10k Argentina · $150k Australia · $65k Georgia/AIFC · APAC $50k–$350k by tier · 137.5k BRL Brazil · 145k MXN MexicoBitpanda Card€280,000 per month
- ATM limit
- Bybit Card (Global)$50/$15k Australia L1/L2 · $10k Georgia/AIFC/APAC T2–T3 · 1.8m ARS Argentina · 27.5k BRL Brazil · 90k MXN Mexico · Peru/APAC T1 unsupportedBitpanda Card€500 per day
Funding & transfers
5 fields- Networks
- Bybit Card (Global)Not disclosedBitpanda CardNot disclosed
- Crypto deposits
- Bybit Card (Global)Other crypto: Supported cryptoBitpanda CardStablecoins: USDC
- Fiat deposits
- Bybit Card (Global)Bybit account bank depositBitpanda CardEUR SEPA deposit
- Transfers
- Bybit Card (Global)Stablecoin transfers; Bybit account fiat withdrawalBitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- Bybit Card (Global)Not disclosedBitpanda CardEUR
Rewards
3 fields- Base cashback
- Bybit Card (Global)2%Bitpanda Card1%
- Max cashback
- Bybit Card (Global)10%Bitpanda Card1%
- Reward currency
- Bybit Card (Global)USD-equivalent cashback via convertible Bybit Points (1 point = USD 0.002; Auto Cashback from 50 points)Bitpanda CardSame eligible cryptocurrency used for payment
Earn
5 fields- Advertised APY
- Bybit Card (Global)Not disclosedBitpanda CardNot disclosed
- How it works
- Bybit Card (Global)Earn on spending balanceBitpanda CardEarn on spending balance
- Separate deposit
- Bybit Card (Global)Not disclosedBitpanda CardNo
- Use balance for spending
- Bybit Card (Global)YesBitpanda CardYes
- Lock-up
- Bybit Card (Global)NoBitpanda CardNo
Trust & availability
4 fields- Custody
- Bybit Card (Global)CustodialBitpanda CardCustodial
- Control until payment
- Bybit Card (Global)Provider controls fundsBitpanda CardProvider controls funds
- Card issuer
- Bybit Card (Global)Fly Wallet Pty Ltd, Winway International Pty Ltd, Vortex Pay, S. de R.L. de C.V.Bitpanda CardTransact Payments Malta Limited
- Card processing
- Bybit Card (Global)Not disclosedBitpanda CardMarqeta
Sources
2 fields- Official sources
- Bybit Card (Global)9Bitpanda Card16
- Last reviewed
- Bybit Card (Global)Oct 11, 2026Bitpanda CardOct 6, 2026
04 · The trade-off
Bitpanda Card is the stronger all-round choice
Bitpanda Card finishes ahead with an Overall Score of 73 versus 72 for Bybit Card (Global). Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs 1.5–7%). Bybit Card (Global) has the higher published base cashback rate (2% vs 1%).
Bybit Card (Global) still comes out ahead for Cashback and Travel, which may matter more than the overall result if that is how you plan to use the card. Bybit Card (Global) and Bitpanda 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 (Global) and Bitpanda Card reviews first.
Continue with
Bybit Card (Global)
Continue with
Bitpanda Card
05 · Common questions
Bybit vs Bitpanda FAQ
Is Bybit or Bitpanda better overall?
Bitpanda Card has the higher Overall Score (73 vs 72). 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 or Bitpanda?
Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs 1.5–7%). 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 or Bitpanda?
Bybit Card (Global) has the higher published base cashback rate (2% 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 and Bitpanda differ on custody?
Bybit Card (Global) and Bitpanda Card use the same custodial balance setup.
How current is this Bybit vs Bitpanda comparison?
The latest information check for these two cards was October 11, 2026, using 25 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.