KartaKarta Personal
61
Side-by-side card comparison
Karta Personal vs Bybit EU: overall score versus use-case fit
Bybit Card (EU) has the higher Overall Score by 7 points (68 vs 61). Karta Personal Card looks stronger for Funds control and Transfers, while Bybit Card (EU) comes out ahead for Cashback, Travel, and Lowest fees.
Information checked Aug 14, 202635 official sources reviewed
01 · Overall score versus use-case fit
Bybit Card (EU) is the better all-round starting point
Bybit Card (EU) has the higher Overall Score in this comparison. Karta Personal Card may be the better fit for Funds control and Transfers. 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.
OverallKarta Personal61Bybit EU68Higher score
CashbackKarta Personal14Bybit EU47Higher score
TravelKarta Personal46Bybit EU87Higher score
Funds controlKarta Personal92Bybit EU51Higher score
Lowest feesKarta Personal53Bybit EU72Higher score
TransfersKarta Personal90Bybit EU79Higher score
Choose Karta Personal Card if funds control and transfers matter most
Karta Personal Card comes out ahead for 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.
- USDT and USDC deposits across multiple networks
- Apple Pay, Google Pay and contactless ATM access
- Live multi-network crypto payouts
Choose Bybit Card (EU) if cashback and travel matter most
Bybit Card (EU) comes out ahead for Cashback, 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
- Karta Personal61Bybit EU68
Bybit Card (EU) has the higher Overall Score by 7 points.
- Entry cost & FX
- Karta Personal$0 plan · 1–3% FXBybit EU$0 plan · 0.5% FX
Bybit Card (EU) has the lower published FX fee (0.5% vs 1–3%).
- Purchase rewards
- Karta Personal0% cashbackBybit EU1% base · up to 10%
Bybit Card (EU) has the higher published base cashback rate (1% vs 0%).
- Funds control
- Karta PersonalSelf-controlled walletBybit EUCustodial balance
Karta Personal Card uses a self-controlled wallet 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
- Karta PersonalVirtual · Apple Pay, Google PayBybit EUVirtual + Physical · Apple Pay, Google Pay
Bybit Card (EU) lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Karta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payoutBybit EU2 stablecoins · Stablecoin transfers; Bybit EU account fiat withdrawal
Karta Personal Card lists more stablecoins and ways to send money out (6 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
- 0%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- USD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 5 crypto · 0 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
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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
CardsKarta Personal CardOverall61Bybit Card (EU)Overall68
Karta Personal CardOverall61Bybit Card (EU)Overall68Scores
6 fields- Overall Score
- Karta Personal Card61Bybit Card (EU)68
- Cashback score
- Karta Personal Card14Bybit Card (EU)47
- Travel score
- Karta Personal Card46Bybit Card (EU)87
- Funds control score
- Karta Personal Card92Bybit Card (EU)51
- Lowest fees score
- Karta Personal Card53Bybit Card (EU)72
- Transfers score
- Karta Personal Card90Bybit Card (EU)79
Strengths & trade-offs
2 fields- Strengths
- Karta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM accessBybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card access
- Trade-offs
- Karta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surfaceBybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account model
Costs
7 fields- Plan cost
- Karta Personal Card$0Bybit Card (EU)$0
- FX fee
- Karta Personal Card1–3%Bybit Card (EU)0.5%
- Top-up fee
- Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20Bybit Card (EU)Not disclosed
- Card spending fee
- Karta Personal Card1.5%Bybit Card (EU)Not disclosed
- ATM fee
- Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attemptBybit Card (EU)2%
- Virtual card
- Karta Personal Card5 USDT one-timeBybit Card (EU)Free
- Physical card
- Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorderBybit Card (EU)First physical card free
Plans
2 fields- Available plans
- Karta Personal CardNot disclosedBybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2
- Top cashback plan
- Karta Personal CardNot disclosedBybit Card (EU)VIP 6 / PRO 3-5: 10%
Everyday use
8 fields- Network
- Karta Personal CardVisaBybit Card (EU)Mastercard
- Card formats
- Karta Personal CardVirtualBybit Card (EU)Virtual, Physical
- ATM withdrawals
- Karta Personal CardAvailableBybit Card (EU)Available
- Mobile wallets
- Karta Personal CardApple Pay, Google PayBybit Card (EU)Apple Pay, Google Pay
- Apps
- Karta Personal CardNo app listedBybit Card (EU)iOS, Android, Web
- Daily spending limit
- Karta Personal Card$25,000 per transaction; no universal daily amount publishedBybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetime
- Monthly spending limit
- Karta Personal CardNot publicly disclosed; limits are dynamicBybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetime
- ATM limit
- Karta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24hBybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per day
Funding & transfers
5 fields- Networks
- Karta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17Bybit Card (EU)Not disclosed
- Crypto deposits
- Karta Personal CardStablecoins: USDT, USDCBybit Card (EU)Other crypto: Supported crypto
- Fiat deposits
- Karta Personal CardBank depositsBybit Card (EU)Bybit EU Funding Account deposit
- Transfers
- Karta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payoutBybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawal
- Payout currencies
- Karta Personal CardNot disclosedBybit Card (EU)Not disclosed
Rewards
3 fields- Base cashback
- Karta Personal Card0%Bybit Card (EU)1%
- Max cashback
- Karta Personal Card0%Bybit Card (EU)10%
- Reward currency
- Karta Personal CardNo cashbackBybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)
Earn
5 fields- Advertised APY
- Karta Personal CardNot offeredBybit Card (EU)Up to 8% APY
- How it works
- Karta Personal CardNot offeredBybit Card (EU)Not disclosed
- Separate deposit
- Karta Personal CardNot offeredBybit Card (EU)Not disclosed
- Use balance for spending
- Karta Personal CardNot offeredBybit Card (EU)Not disclosed
- Lock-up
- Karta Personal CardNot offeredBybit Card (EU)Not disclosed
Trust & availability
6 fields- Custody
- Karta Personal CardSelf-custodyBybit Card (EU)Custodial
- Control until payment
- Karta Personal CardYou keep controlBybit Card (EU)Provider controls funds
- Card issuer
- Karta Personal CardNimbus LLC d/b/a Third NationalBybit Card (EU)Harmoniie SAS, Moorwand Ltd
- Custody / key management
- Karta Personal CardPrivyBybit Card (EU)Not disclosed
- Identity verification
- Karta Personal CardSumsubBybit Card (EU)Not disclosed
- Programme operator
- Karta Personal CardKarta Finance, Inc.Bybit Card (EU)Not disclosed
Sources
2 fields- Official sources
- Karta Personal Card25Bybit Card (EU)10
- Last reviewed
- Karta Personal CardAug 11, 2026Bybit Card (EU)Aug 14, 2026
04 · The trade-off
Bybit Card (EU) is the stronger all-round choice
Bybit Card (EU) finishes ahead with an Overall Score of 68 versus 61 for Karta Personal Card. Bybit Card (EU) has the lower published FX fee (0.5% vs 1–3%). Bybit Card (EU) has the higher published base cashback rate (1% vs 0%).
Karta Personal Card still comes out ahead for Funds control and Transfers, which may matter more than the overall result if that is how you plan to use the card. Karta Personal Card uses a self-controlled wallet 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.
Karta Personal Card lists more stablecoins and ways to send money out (6 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 Karta Personal Card and Bybit Card (EU) reviews first.
Continue with
Karta Personal Card
Continue with
Bybit Card (EU)
05 · Common questions
Karta Personal vs Bybit EU FAQ
Is Karta Personal or Bybit EU better overall?
Bybit Card (EU) has the higher Overall Score (68 vs 61). 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, Karta Personal or Bybit EU?
Bybit Card (EU) has the lower published FX fee (0.5% vs 1–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Karta Personal or Bybit EU?
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 Karta Personal and Bybit EU differ on custody?
Karta Personal Card uses a self-controlled wallet 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 Karta Personal vs Bybit EU comparison?
The latest information check for these two cards was August 14, 2026, using 35 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.