MPChatMPChat
52
Side-by-side card comparison
MPChat vs Bybit EU
Bybit Card (EU) has the higher Overall Score by 16 points (68 vs 52). Bybit Card (EU) also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where MPChat Card may still be the better personal fit.
Latest check Nov 12, 202640 official sources reviewed
MPChat Card
Best fit
- MPChat Pay users allocating USDT to a separate Visa spending balance.
- Choosing Cloud for online payments or Boundless for physical-card use.
- Occasional card use with a one-time issuance price and no monthly plan fee.
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.
- The Web3 wallet cannot fund purchases directly; allocate funds from MPChat Pay.
Bybit Card (EU)
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.
- Converting earned Bybit Points to EUR through automatic cashback.
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.
- Country guidance conflicts for several EEA markets; confirm access in-app.
Fees & features
Compare the details
CardsMPChat CardOverall52Bybit Card (EU)Overall68
MPChat CardOverall52Bybit Card (EU)Overall68Scores
- Overall Score
- MPChat Card52Bybit Card (EU)68
- Cashback score
- MPChat Card18Bybit Card (EU)47
- Travel score
- MPChat Card72Bybit Card (EU)87
- Funds control score
- MPChat Card41Bybit Card (EU)51
- Lowest fees score
- MPChat Card60Bybit Card (EU)72
- Transfers score
- MPChat Card58Bybit Card (EU)79
Costs
- Plan cost
- MPChat Card$0Bybit Card (EU)$0
- FX fee
- MPChat Card0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separateBybit Card (EU)0.5%
- Top-up fee
- MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to cardBybit Card (EU)Not disclosed
- Card spending fee
- MPChat Card$0.10 + 0.8%Bybit Card (EU)Not disclosed
- ATM fee
- MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM accessBybit Card (EU)2%
- Virtual card
- MPChat CardCloud: 10 USDT one timeBybit Card (EU)Free
- Physical card
- MPChat CardBoundless: 100 USDT one timeBybit Card (EU)First physical card free
Plans & rewards
- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardBybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2
- Top cashback plan
- MPChat CardNot disclosedBybit Card (EU)VIP 6 / PRO 3-5: 10%
- Base cashback
- MPChat CardNot disclosedBybit Card (EU)1%
- Max cashback
- MPChat CardNot disclosedBybit Card (EU)10%
- Reward currency
- MPChat CardNot disclosedBybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)
Everyday use
- Network
- MPChat CardVisaBybit Card (EU)Mastercard
- Card formats
- MPChat CardVirtual, PhysicalBybit Card (EU)Virtual, Physical
- ATM withdrawals
- MPChat CardAvailableBybit Card (EU)Available
- Mobile wallets
- MPChat CardGoogle PayBybit Card (EU)Apple Pay, Google Pay
- Apps
- MPChat CardNot disclosedBybit Card (EU)iOS, Android, Web
- Daily spending limit
- MPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lowerBybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetime
- Monthly spending limit
- MPChat CardUp to $1,000,000 per month; app limit may be lowerBybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetime
- ATM limit
- MPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthlyBybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per day
Funding & transfers
- Networks
- MPChat CardTron (TRC20)Bybit Card (EU)Not disclosed
- Crypto deposits
- MPChat CardStablecoins: USDTBybit Card (EU)Other crypto: Supported crypto
- Fiat deposits
- MPChat CardNot disclosedBybit Card (EU)Bybit EU Funding Account deposit
- Transfers
- MPChat CardStablecoin transfersBybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawal
- Payout currencies
- MPChat CardNot disclosedBybit Card (EU)Not disclosed
Earn
- Advertised APY
- MPChat CardNot offeredBybit Card (EU)Up to 8% APY
- How it works
- MPChat CardNot offeredBybit Card (EU)Not disclosed
- Separate deposit
- MPChat CardNot offeredBybit Card (EU)Not disclosed
- Use balance for spending
- MPChat CardNot offeredBybit Card (EU)Not disclosed
- Lock-up
- MPChat CardNot offeredBybit Card (EU)Not disclosed
Trust & availability
- Custody
- MPChat CardCustodialBybit Card (EU)Custodial
- Control until payment
- MPChat CardProvider controls fundsBybit Card (EU)Provider controls funds
- Card issuer
- MPChat CardNot disclosedBybit Card (EU)Harmoniie SAS, Moorwand Ltd
Sign-up Offers
MPChat Card
Partner offer5 USDT after first virtual card approval
Complete application and card approval; the reward is credited to MPChat Pay after approval.
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Offer details & conditions
Bybit Card (EU)
No active signup offer listed.
Choosing between these cards
When to choose MPChat or Bybit EU
Matching the card to your plans
MPChat: MPChat Pay users allocating USDT to a separate Visa spending balance. Bybit EU: Spending from an existing Bybit EU Funding Account in EUR or supported crypto.
Conditions that change the choice
MPChat: Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX. Bybit EU: Crypto-funded purchases add 0.9% conversion; foreign spending adds 0.5% FX.
Common questions
MPChat vs Bybit EU FAQ
Is MPChat or Bybit EU better overall?
Bybit Card (EU) has the higher Overall Score (68 vs 52). 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, MPChat or Bybit EU?
MPChat Card has the lower published FX fee (0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separate vs 0.5%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, MPChat or Bybit EU?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do MPChat and Bybit EU differ on custody?
MPChat Card and Bybit Card (EU) use the same custodial balance setup.
How current is this MPChat vs Bybit EU comparison?
The latest information check for these two cards was November 12, 2026, using 40 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.