HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs Bybit EU: overall score versus use-case fit
Holyheld Card has the higher Overall Score by 7 points (75 vs 68). Holyheld Card looks stronger for Cashback, Funds control, and Transfers, while Bybit Card (EU) comes out ahead for Travel and Lowest fees.
Information checked Aug 14, 202638 official sources reviewed
01 · Overall score versus use-case fit
Holyheld Card is the better all-round starting point
Holyheld Card has the higher Overall Score in this comparison. Bybit Card (EU) may be the better fit for Travel and Lowest fees. 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.
OverallHolyheld75Bybit EU68Higher score
CashbackHolyheld64Bybit EU47Higher score
TravelHolyheld68Bybit EU87Higher score
Funds controlHolyheld74Bybit EU51Higher score
Lowest feesHolyheld67Bybit EU72Higher score
TransfersHolyheld81Bybit EU79Higher score
Choose Holyheld Card if cashback and funds control matter most
Holyheld Card comes out ahead for Cashback, Funds control, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
Choose Bybit Card (EU) if travel and lowest fees matter most
Bybit Card (EU) comes out ahead for Travel and Lowest fees 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
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
- Holyheld75Bybit EU68
Holyheld Card has the higher Overall Score by 7 points.
- Entry cost & FX
- Holyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FXBybit EU$0 plan · 0.5% FX
Bybit Card (EU) has the lower published FX fee (0.5% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Holyheld0.5% base · up to 1%Bybit EU1% base · up to 10%
Bybit Card (EU) has the higher published base cashback rate (1% vs 0.5%).
- Funds control
- HolyheldHybrid custodyBybit EUCustodial balance
Holyheld Card uses a hybrid custody setup, while Bybit Card (EU) uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- HolyheldVirtual + Physical · Apple Pay, Google PayBybit EUVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Holyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transferBybit EU2 stablecoins · Stablecoin transfers; Bybit EU account fiat 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
- 0.5%-1%
- Plan cost
- $0
- FX fee
- Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- ATM fee
- Up to EUR 2 + 2.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 3 crypto · 1 fiat
- 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
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
CardsHolyheld CardOverall75Bybit Card (EU)Overall68
Holyheld CardOverall75Bybit Card (EU)Overall68Scores
6 fields- Overall Score
- Holyheld Card75Bybit Card (EU)68
- Cashback score
- Holyheld Card64Bybit Card (EU)47
- Travel score
- Holyheld Card68Bybit Card (EU)87
- Funds control score
- Holyheld Card74Bybit Card (EU)51
- Lowest fees score
- Holyheld Card67Bybit Card (EU)72
- Transfers score
- Holyheld Card81Bybit Card (EU)79
Strengths & trade-offs
2 fields- Strengths
- Holyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardBybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card access
- Trade-offs
- Holyheld CardCountry eligibility is incomplete, Foreign spend can be expensiveBybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account model
Costs
7 fields- Plan cost
- Holyheld Card$0Bybit Card (EU)$0
- FX fee
- Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencyBybit Card (EU)0.5%
- Top-up fee
- Holyheld Card0%Bybit Card (EU)Not disclosed
- Card spending fee
- Holyheld Card€0.50Bybit Card (EU)Not disclosed
- ATM fee
- Holyheld CardUp to EUR 2 + 2.5%Bybit Card (EU)2%
- Virtual card
- Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessBybit Card (EU)Free
- Physical card
- Holyheld CardClassic: EUR 29; Metal: EUR 199Bybit Card (EU)First physical card free
Plans
2 fields- Available plans
- Holyheld Card3 plans: Classic, Limited Edition, MetalBybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2
- Top cashback plan
- Holyheld CardMetal: 1%Bybit Card (EU)VIP 6 / PRO 3-5: 10%
Everyday use
8 fields- Network
- Holyheld CardMastercardBybit Card (EU)Mastercard
- Card formats
- Holyheld CardVirtual, PhysicalBybit Card (EU)Virtual, Physical
- ATM withdrawals
- Holyheld CardAvailableBybit Card (EU)Available
- Mobile wallets
- Holyheld CardApple Pay, Google PayBybit Card (EU)Apple Pay, Google Pay
- Apps
- Holyheld CardiOS, Android, WebBybit Card (EU)iOS, Android, Web
- Daily spending limit
- Holyheld CardEUR 10,000 dailyBybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetime
- Monthly spending limit
- Holyheld CardEUR 25,000 monthly; EUR 250,000 annuallyBybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetime
- ATM limit
- Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysBybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per day
Funding & transfers
5 fields- Networks
- Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2Bybit Card (EU)Not disclosed
- Crypto deposits
- Holyheld CardStablecoins: USDC, USDTBybit Card (EU)Other crypto: Supported crypto
- Fiat deposits
- Holyheld CardPersonal EUR IBANBybit Card (EU)Bybit EU Funding Account deposit
- Transfers
- Holyheld CardStablecoin transfers; Outgoing SEPA transferBybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawal
- Payout currencies
- Holyheld CardEURBybit Card (EU)Not disclosed
Rewards
3 fields- Base cashback
- Holyheld Card0.5%Bybit Card (EU)1%
- Max cashback
- Holyheld Card1%Bybit Card (EU)10%
- Reward currency
- Holyheld CardUSDCBybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)
Earn
5 fields- Advertised APY
- Holyheld CardNot disclosedBybit Card (EU)Up to 8% APY
- How it works
- Holyheld CardOptional earn vaultBybit Card (EU)Not disclosed
- Separate deposit
- Holyheld CardYesBybit Card (EU)Not disclosed
- Use balance for spending
- Holyheld CardNot disclosedBybit Card (EU)Not disclosed
- Lock-up
- Holyheld CardNoBybit Card (EU)Not disclosed
Trust & availability
5 fields- Custody
- Holyheld CardHybrid custodyBybit Card (EU)Custodial
- Control until payment
- Holyheld CardProvider controls fundsBybit Card (EU)Provider controls funds
- Card issuer
- Holyheld CardUnlimit EU LtdBybit Card (EU)Harmoniie SAS, Moorwand Ltd
- Identity verification
- Holyheld CardSumsub / IdenfyBybit Card (EU)Not disclosed
- Programme operator
- Holyheld CardHolyheld Labs AGBybit Card (EU)Not disclosed
Sources
2 fields- Official sources
- Holyheld Card28Bybit Card (EU)10
- Last reviewed
- Holyheld CardAug 12, 2026Bybit Card (EU)Aug 14, 2026
04 · The trade-off
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 68 for Bybit Card (EU). Bybit Card (EU) has the lower published FX fee (0.5% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Bybit Card (EU) has the higher published base cashback rate (1% vs 0.5%).
Bybit Card (EU) still comes out ahead for Travel and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Holyheld Card uses a hybrid custody setup, while Bybit Card (EU) uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
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 Holyheld Card and Bybit Card (EU) reviews first.
Continue with
Holyheld Card
Continue with
Bybit Card (EU)
05 · Common questions
Holyheld vs Bybit EU FAQ
Is Holyheld or Bybit EU better overall?
Holyheld Card has the higher Overall Score (75 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, Holyheld or Bybit EU?
Bybit Card (EU) has the lower published FX fee (0.5% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Holyheld or Bybit EU?
Bybit Card (EU) has the higher published base cashback rate (1% vs 0.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Holyheld and Bybit EU differ on custody?
Holyheld Card uses a hybrid custody setup, while Bybit Card (EU) uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Holyheld vs Bybit EU comparison?
The latest information check for these two cards was August 14, 2026, using 38 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.