Main strengths
- Funding routes and Mastercard spending sit in the same Bybit EU account flow.
- Virtual and physical variants are paired with supported phone-wallet access.
- The default 1% rate is uncapped; VIP rates use separate EUR-denominated caps.
Bybit Card (EU) black full-frame cardStandard card design
Stablecoin account + Mastercard card
Bybit Card (EU)
Bybit Card (EU) connects a Bybit EU Funding Account to virtual or physical Mastercard spending, Apple Pay, Google Pay and 1% default cashback. Lite and Standard variants share the same Funding Account model, with card access and reward rules set by programme.
Low FXTravel focusFree base planUSD rewardsPhysical cardFiat top-up
Main trade-offs
- The current schedule applies a 2% ATM fee after the EUR 100 monthly allowance.
- Users do not control private keys for the balance used by the card.
- Lite, Standard and referral flows use different eligibility descriptions.
01 · Core economics
Costs that matter
Bybit Card (EU) has a $0 recurring entry cost. Funding, conversion, FX and cash-access charges are shown separately below.
ItemStandard tierWhat it means
Annual plan$0Competitive entry price
Card fundingFunding AccountNo separate card balance or direct top-up; the card spends from the Bybit EU Funding Account. Deposit costs vary by method.
Provider FX markup0.5%Compare the FX fee with the cashback rate before using it abroad.
Asset conversion fee0.9%Applies when a digital asset is converted to the card's settlement currency.
ATM withdrawal2%Fixed and percentage fees make routine cash use expensive.
Physical cardFreeOne-time physical card cost
Limits and secondary feesLimits and other fees
Daily card spendNot disclosedListed
Monthly card spendNot disclosedListed
ATM limitNot disclosedListed
Account depositNot disclosedListed
02 · Plans & rewards
Choose the plan and the rewards together
Bybit Card (EU) keeps the reward range visible above while the membership cards below preserve each tier's fee, card design, rewards, limits and other tier-specific differences.
Current range across the published membership tiers
EUR-equivalent cashback after point conversion
Fixed approved point-to-cash conversion rate
The base rate is uncapped; Auto Cashback starts at 50 points
Memberships
1-3 / 6
Upgrade
$0/yrBase
Bybit Card (EU) Mastercard debit
- Cashback
- 1% in EUR
- Requirement
- Current non-VIP applicants
- Best fit
- Check the plan price, rewards and limits before upgrading.
Upgrade
$0/yrVIP 1-2
Bybit Card (EU) Mastercard debit
- Cashback
- 2% in EUR
- Requirement
- Requires VIP 1-2 status
- Best fit
- Check the plan price, rewards and limits before upgrading.
Upgrade
$0/yrVIP 3
Bybit Card (EU) Mastercard debit
- Cashback
- 4% in EUR
- Requirement
- Requires VIP 3 status
- Best fit
- Check the plan price, rewards and limits before upgrading.
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Mastercard networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsAvailable
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appAvailable
Account rails
- Crypto depositsVia provider account
- Bank depositsRegion-dependent
- Crypto withdrawalsVia provider account
- Fiat withdrawalsRegion-dependent
- Direct card top-upsNot supported
04 · Money in and out
How money enters, settles and leaves Bybit EU
The card uses the provider account balance. Account funding and withdrawal routes are included only when they feed that same card-linked account; they are not presented as direct card top-ups.
Money inWays to fund or receive2 routes
Crypto deposits
1 route
Crypto depositsDeposits credit the linked Funding Account that directly funds Bybit Card (EU) spending.Supported cryptoFeeNo fixed feeSpeedNot confirmedLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- No provider transfer fee
Access path
Via provider account
Availability
Supported asset and network combinations
Limit scope
Deposit limits not publicly confirmed
Restrictions
Via Bybit EU Funding Account, not a direct card top-up. Available assets and networks vary by account, asset and jurisdiction.
Bank deposits
1 route
Bybit EU Funding Account depositBank deposits fund the linked Bybit EU Funding Account in supported regions.FeeNot confirmedSpeedNot confirmedLimitsNot confirmedAvailabilityEUDetails
Fee components
- Fee terms are descriptive only
Access path
Via provider account
Availability
Bank deposits fund the linked Bybit EU Funding Account in supported regions. Availability is the intersection of the account rail and card eligibility; this is not a direct card top-up.
Fee scope
Method-dependent; shown in the Funding Account deposit flow
Limit scope
Not publicly confirmed
Balance & conversionAccount balance
Funds sit in a custodial account balance before card spend or payout.
What happens on receipt
Bybit Card (EU) has no separate wallet balance or direct card top-up and spends from the linked Funding Account.
Money outWays to send, withdraw or settle2 routes
External crypto sends
1 route
Bybit EU account crypto withdrawalVia the linked Bybit EU account, not a direct card payout.Supported cryptoFeeAsset/network-dependentSpeedVaries by railLimitsMinimum and limits shown in the Bybit EU account for the selected asset and networkAvailabilityEUDetails
Fee components
- Fee not publicly confirmed
Access path
Via provider account
Availability
External blockchain address via the network selected in the Bybit EU account; asset, network and regional availability vary
Restrictions
Via the linked Bybit EU account, not a direct card payout. This route is relevant because the same provider-account balance explicitly funds card spending.
Bank transfers & payouts
1 route
Bybit EU account fiat withdrawalVia the linked Bybit EU account, not a card refund or direct card payout.FeeNot confirmedSpeedNot confirmedLimitsNot confirmedAvailabilityRegion-dependentDetails
Fee components
- Fee not publicly confirmed
Access path
Via provider account
Availability
Fiat withdrawal to a bank account where available; methods and currencies vary by region
Fee scope
Not publicly confirmed; shown in the Bybit EU account for the selected currency and method
Limit scope
Not publicly confirmed
Restrictions
Via the linked Bybit EU account, not a card refund or direct card payout. Availability is limited to the overlap between the account withdrawal method and card eligibility.
05 · Optional product
Add yield through a separate balance
Bybit Card (EU) Auto-Earn adds a variable yield option through a separate deposit. Move funds back to the spending balance when direct card spend is not supported.
Yield model unknown
Bybit Card (EU) Auto-Earn
Up to 8% APY
- Yield source
- Bybit EU Earn
- Yield mechanism
- Exchange savings/lending
- Asset
- Stablecoins
- Spend directly from Earn balance
- Not confirmed
- Withdraw anytime
- Not confirmed
- Deposit insurance
- No
Risk noteVariable APY, custody, smart-contract, liquidity, protocol, counterparty and market risks may apply. Treat Earn/vault balances as separate yield exposure; access to funds depends on the provider's current withdrawal, card and collateral rules.
06 · Trust and eligibility
Where Bybit EU is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
Availability
The complete supported-country list is shown below. Residence, identity documents and signup checks still apply.
Countries explicitly listed27 countries
AustriaBelgiumBulgariaCyprusCzechiaDenmarkEstoniaFinlandFranceGermanyGreeceHungaryItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaNetherlandsNorwayPolandPortugalRomaniaSlovakiaSloveniaSpainSweden
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productBybit EU
Provides the product and account experience. Named legal operators appear separately.
Custody controlBybit EU + programme partners
Controls settlement until payment.
Custodial accountCard issuerHarmoniie SAS
Card and e-money issuance
Jurisdiction: France / EEA · Applies to: Bybit EU Card programme in the EEACard issuerMoorwand Ltd
Mastercard licence and card programme partnership
Jurisdiction: United Kingdom / EEA programme · Applies to: Bybit EU Card programme in the EEA07 · Methodology
Why the score is 68
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
68/100
ModerateHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift99
Everyday usability
Mastercard spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Additional support70
Cost efficiency
No monthly fee, 0.5% FX fee and 0.9% conversion fee shape the day-to-day cost profile.
Main constraint32
Rewards value
1% base cashback and up to 10%; higher rates depend on complex conditions, paid in EUR.
08 · Evidence
Sources
10 sources10 officialChecked Aug 14, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Bybit EU Card — issuer and Mastercard programme disclosureOfficial source ↗Bybit EU Card current application eligibilityOfficial source ↗Fees and Limits (Bybit Card) - Help CenterOfficial source ↗Introduction to Bybit Card Rewards - Help CenterOfficial source ↗FAQ — Bybit Card Rewards - Help CenterOfficial source ↗Bybit EU Announcement | Bybit EU Card Cashback Update: One Flat Rate, Uncapped, and Accessible to EveryoneOfficial source ↗
09 · Card comparison
How Bybit Card (EU) compares to others
A side-by-side look at cards built around stablecoin funding, everyday Mastercard access and money movement.
1 / 3
Current card
Bybit Card (EU)
Funding routes and Mastercard spending sit in the same Bybit EU account flow.
- Card
- Debit Mastercard, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 1%–10%
- FX fee
- 0.5%
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDC + EURC
- Transfers & payouts
- Crypto + Bank transfers
- Card
- Debit Mastercard + Visa, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 2%–10%
- FX fee
- Up to 2%
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDT + USDC
- Transfers & payouts
- Crypto + Bank transfers
- Card
- Prepaid Visa + Mastercard, Virtual only
- Funds control
- Custodial balance
- Cashback
- 0.1%–1%
- FX fee
- Not confirmed
- Apps
- iOS, Android + Web app not confirmed
- Stablecoin set
- USDT
- Transfers & payouts
- Crypto, Bank + Internal transfers
Want a deeper comparison?
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