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Your comparison2 of 4 cards selected
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Unofficial MPChat-inspired card design concept; not an issued card design
52Overall

Best fit

  • MPChat Pay users allocating USDT to a separate Visa spending balance.
  • Choosing Cloud for online payments or Boundless for physical-card use.

Before you choose

  • Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
  • Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
Read review
Bybit Card (EU) black Mastercard debit card full-frame visual
68Overall

Best fit

  • Spending from an existing Bybit EU Funding Account in EUR or supported crypto.
  • Earning the current 1% base cashback without a monthly cap or token holding.

Before you choose

  • Crypto-funded purchases add 0.9% conversion; foreign spending adds 0.5% FX.
  • Higher reward rates require Bybit EU VIP status and have monthly caps.
Read review
2 of 4 cards selected

Fees, rewards & everyday use

Compare the details

01

Scores

Overall Score
MPChat Card: 52
Bybit Card (EU): 68
Cashback score
MPChat Card: 18
Bybit Card (EU): 47
Travel score
MPChat Card: 72
Bybit Card (EU): 87
Funds control score
MPChat Card: 41
Bybit Card (EU): 51
Lowest fees score
MPChat Card: 60
Bybit Card (EU): 72
Transfers score
MPChat Card: 58
Bybit Card (EU): 79
02

Costs

Plan cost
MPChat Card: $0
Bybit Card (EU): $0
FX fee
MPChat Card: 0%
Bybit Card (EU): 0.5%
Top-up fee
MPChat Card: USDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
Bybit Card (EU): Not disclosed
Card spending fee
MPChat Card: 0.8%
Bybit Card (EU): Not disclosed
ATM fee
MPChat Card: Boundless only: 2%, minimum $1; Cloud has no ATM access
Bybit Card (EU): 2%
Virtual card
MPChat Card: Cloud: 10 USDT one time
Bybit Card (EU): Free
Physical card
MPChat Card: $100
Bybit Card (EU): Free
Asset conversion fee
MPChat Card: Not disclosed
Bybit Card (EU): 0.9%
03

Plans & rewards

Entry plan
MPChat Card: Cloud Card
Bybit Card (EU): Base
Base cashback
MPChat Card: Not disclosed
Bybit Card (EU): 1%
Max cashback
MPChat Card: Not disclosed
Bybit Card (EU): 10%
Reward currency
MPChat Card: Not disclosed
Bybit Card (EU): EUR
Cashback cap · entry plan
MPChat Card: Not disclosed
Bybit Card (EU): Not disclosed
Top cashback plan
MPChat Card: Not disclosed
Bybit Card (EU): VIP 6 / PRO 3-5
Cashback on top plan
MPChat Card: Not disclosed
Bybit Card (EU): 10% in EUR
Top plan price / access
MPChat Card: Not disclosed
Bybit Card (EU): $0/yr
Top plan qualification
MPChat Card: Not disclosed
Bybit Card (EU): Requires VIP 6 / PRO 3-5 status
Points earned
MPChat Card: Not disclosed
Bybit Card (EU): 1%–10%
Points asset
MPChat Card: Not disclosed
Bybit Card (EU): Bybit Points → EUR
Points conversion
MPChat Card: Not disclosed
Bybit Card (EU): 1 point = EUR 0.002
04

Everyday use

Network
MPChat Card: Visa
Bybit Card (EU): Mastercard
Card formats
MPChat Card: Virtual, Physical
Bybit Card (EU): Virtual, Physical
ATM withdrawals
MPChat Card: Available
Bybit Card (EU): Available
Mobile wallets
MPChat Card: Google Pay
Bybit Card (EU): Apple Pay, Google Pay
Apps
MPChat Card: Not disclosed
Bybit Card (EU): iOS, Android, Web
Daily spending limit
MPChat Card: $250,000 / day
Bybit Card (EU): €5k / €10k / €15k by tier · Lite €150 lifetime
Monthly spending limit
MPChat Card: $1,000,000 / month
Bybit Card (EU): €10k / €25k / €50k by tier · Lite €150 lifetime
ATM limit
MPChat Card: $1,500 / day
Bybit Card (EU): €2k / €5k / €10k by tier · €2k per withdrawal and per day
05

Money in & out

Networks
MPChat Card: Tron (TRC20)
Bybit Card (EU): Not disclosed
Stablecoin deposits
MPChat Card: USDT
Bybit Card (EU): Not disclosed
Other crypto deposits
MPChat Card: Not disclosed
Bybit Card (EU): Supported crypto
Fiat deposits
MPChat Card: Not disclosed
Bybit Card (EU): Bybit EU Funding Account deposit
Crypto transfers
MPChat Card: External USDT withdrawal
Bybit Card (EU): Bybit EU account crypto withdrawal
Internal transfers
MPChat Card: Not disclosed
Bybit Card (EU): Not disclosed
Bank transfers
MPChat Card: Not disclosed
Bybit Card (EU): Bybit EU account fiat withdrawal
Payout currencies
MPChat Card: Not disclosed
Bybit Card (EU): Not disclosed
06

Earn

Advertised APY
MPChat Card: Not offered
Bybit Card (EU): Up to 8% APY
How it works
MPChat Card: Not offered
Bybit Card (EU): Not disclosed
Separate deposit
MPChat Card: Not offered
Bybit Card (EU): Not disclosed
Use balance for spending
MPChat Card: Not offered
Bybit Card (EU): Not disclosed
Lock-up
MPChat Card: Not offered
Bybit Card (EU): Not disclosed
07

Trust & sources

Custody
MPChat Card: Custodial
Bybit Card (EU): Custodial
Control until payment
MPChat Card: Provider controls funds
Bybit Card (EU): Provider controls funds
Card issuer
MPChat Card: Not disclosed
Bybit Card (EU): Harmoniie SAS, Moorwand Ltd
Official sources
MPChat Card: 30
Bybit Card (EU): 10
Last reviewed
MPChat Card: Nov 12, 2026
Bybit Card (EU): Nov 12, 2026

Using the comparison

Compare cards FAQ

Can I compare more than two cards on my phone?

Yes. Select up to four cards. On a phone, two cards appear side by side. Tap the left or right card menu to show another selected card; the rest stay in your comparison.

How do I add or replace a card?

Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.

Which plan do the cashback figures describe?

Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.

What is the difference between the cashback caps?

A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.

Does Not disclosed mean a fee is zero?

No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.

Do partner offers influence the scores?

No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.

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