NexoNexo
65
Side-by-side card comparison
Nexo vs Bybit EU: overall score versus use-case fit
Bybit Card (EU) has the higher Overall Score by 3 points (68 vs 65). Nexo 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, 202623 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. Nexo 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.
OverallNexo65Bybit EU68Higher score
CashbackNexo41Bybit EU47Higher score
TravelNexo65Bybit EU87Higher score
Funds controlNexo52Bybit EU51Higher score
Lowest feesNexo57Bybit EU72Higher score
TransfersNexo91Bybit EU79Higher score
Choose Nexo Card if funds control and transfers matter most
Nexo 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.
- Choose debit spend or credit-line use
- No base monthly or annual card fee
- Virtual card works with phone wallets
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
- Nexo65Bybit EU68
Bybit Card (EU) has the higher Overall Score by 3 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXBybit EU$0 plan · 0.5% FX
Bybit Card (EU) has the lower published FX fee (0.5% vs 0.2–2.5%).
- Purchase rewards
- Nexo0.5% base · up to 2%Bybit EU1% base · up to 10%
Bybit Card (EU) has the higher published base cashback rate (1% vs 0.5%).
- Funds control
- NexoCustodial balanceBybit EUCustodial balance
Nexo Card and Bybit Card (EU) use the same custodial balance setup.
- Everyday access
- NexoVirtual + 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
- Nexo2 stablecoins · Stablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalBybit EU2 stablecoins · Stablecoin transfers; Bybit EU account fiat withdrawal
Nexo Card lists more stablecoins and ways to send money out (5 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
- 0.5%-2%
- Plan cost
- $0
- FX fee
- 0.2–2.5%
- ATM fee
- 0–2%; minimum 1.99 EUR/GBP
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 10 crypto · 1 fiat
- Payout methods
- 4 crypto · 3 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
CardsNexo CardOverall65Bybit Card (EU)Overall68
Nexo CardOverall65Bybit Card (EU)Overall68Scores
6 fields- Overall Score
- Nexo Card65Bybit Card (EU)68
- Cashback score
- Nexo Card41Bybit Card (EU)47
- Travel score
- Nexo Card65Bybit Card (EU)87
- Funds control score
- Nexo Card52Bybit Card (EU)51
- Lowest fees score
- Nexo Card57Bybit Card (EU)72
- Transfers score
- Nexo Card91Bybit Card (EU)79
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feeBybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card access
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskBybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account model
Costs
7 fields- Plan cost
- Nexo Card$0Bybit Card (EU)$0
- FX fee
- Nexo Card0.2–2.5%Bybit Card (EU)0.5%
- Top-up fee
- Nexo CardNot disclosedBybit Card (EU)Not disclosed
- Card spending fee
- Nexo CardNot disclosedBybit Card (EU)Not disclosed
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPBybit Card (EU)2%
- Virtual card
- Nexo CardAvailable from $50 account balanceBybit Card (EU)Free
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierBybit Card (EU)First physical card free
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumBybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2
- Top cashback plan
- Nexo CardPlatinum: 2%Bybit Card (EU)VIP 6 / PRO 3-5: 10%
Everyday use
8 fields- Network
- Nexo CardMastercardBybit Card (EU)Mastercard
- Card formats
- Nexo CardVirtual, PhysicalBybit Card (EU)Virtual, Physical
- ATM withdrawals
- Nexo CardAvailableBybit Card (EU)Available
- Mobile wallets
- Nexo CardApple Pay, Google PayBybit Card (EU)Apple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebBybit Card (EU)iOS, Android, Web
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionBybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetime
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthBybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetime
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthBybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per day
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedBybit Card (EU)Not disclosed
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Bybit Card (EU)Other crypto: Supported crypto
- Fiat deposits
- Nexo CardNexo account bank depositBybit Card (EU)Bybit EU Funding Account deposit
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalBybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawal
- Payout currencies
- Nexo CardEUR, GBP, USDBybit Card (EU)Not disclosed
Rewards
3 fields- Base cashback
- Nexo Card0.5%Bybit Card (EU)1%
- Max cashback
- Nexo Card2%Bybit Card (EU)10%
- Reward currency
- Nexo CardNEXO Tokens or BTC 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
- Nexo CardUp to 13% APYBybit Card (EU)Up to 8% APY
- How it works
- Nexo CardEarn on spending balanceBybit Card (EU)Not disclosed
- Separate deposit
- Nexo CardNot disclosedBybit Card (EU)Not disclosed
- Use balance for spending
- Nexo CardYesBybit Card (EU)Not disclosed
- Lock-up
- Nexo CardNoBybit Card (EU)Not disclosed
Trust & availability
4 fields- Custody
- Nexo CardCustodialBybit Card (EU)Custodial
- Control until payment
- Nexo CardProvider controls fundsBybit Card (EU)Provider controls funds
- Card issuer
- Nexo CardDiPocket UABBybit Card (EU)Harmoniie SAS, Moorwand Ltd
- Programme operator
- Nexo CardNexo Services Sp. z o.o.Bybit Card (EU)Not disclosed
Sources
2 fields- Official sources
- Nexo Card13Bybit Card (EU)10
- Last reviewed
- Nexo CardAug 5, 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 65 for Nexo Card. Bybit Card (EU) has the lower published FX fee (0.5% vs 0.2–2.5%). Bybit Card (EU) has the higher published base cashback rate (1% vs 0.5%).
Nexo 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. Nexo Card and Bybit Card (EU) use the same custodial balance setup.
Nexo Card lists more stablecoins and ways to send money out (5 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 Nexo Card and Bybit Card (EU) reviews first.
Continue with
Nexo Card
Continue with
Bybit Card (EU)
05 · Common questions
Nexo vs Bybit EU FAQ
Is Nexo or Bybit EU better overall?
Bybit Card (EU) has the higher Overall Score (68 vs 65). 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, Nexo or Bybit EU?
Bybit Card (EU) has the lower published FX fee (0.5% vs 0.2–2.5%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Nexo 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 Nexo and Bybit EU differ on custody?
Nexo Card and Bybit Card (EU) use the same custodial balance setup.
How current is this Nexo vs Bybit EU comparison?
The latest information check for these two cards was August 14, 2026, using 23 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.