OobitOobit
72
Side-by-side card comparison
Oobit vs Bybit EU: overall score versus use-case fit
Oobit Card has the higher Overall Score by 4 points (72 vs 68). Oobit Card looks stronger for Cashback and Funds control, while Bybit Card (EU) comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Aug 14, 202626 official sources reviewed
01 · Overall score versus use-case fit
Oobit Card is the better all-round starting point
Oobit Card has the higher Overall Score in this comparison. Bybit Card (EU) may be the better fit for Travel, Lowest fees, 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.
OverallOobit72Bybit EU68Higher score
CashbackOobit68Bybit EU47Higher score
TravelOobit45Bybit EU87Higher score
Funds controlOobit77Bybit EU51Higher score
Lowest feesOobit51Bybit EU72Higher score
TransfersOobit64Bybit EU79Higher score
Choose Oobit Card if cashback and funds control matter most
Oobit Card comes out ahead for Cashback and Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Connected-wallet spending
- Phone wallets and contactless ATM
- Stablecoin cashback and points
Choose Bybit Card (EU) if travel and lowest fees matter most
Bybit Card (EU) comes out ahead for Travel, Lowest fees, and Transfers 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
- Oobit72Bybit EU68
Oobit Card has the higher Overall Score by 4 points.
- Entry cost & FX
- Oobit$0 plan · 3% FXBybit EU$0 plan · 0.5% FX
Bybit Card (EU) has the lower published FX fee (0.5% vs 3%).
- Purchase rewards
- Oobit5% base · up to 10%Bybit EU1% base · up to 10%
Oobit Card has the higher published base cashback rate (5% vs 1%).
- Funds control
- OobitHybrid custodyBybit EUCustodial balance
Oobit 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
- OobitVirtual · 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
- Oobit4 stablecoins · Oobit Pay Friends; Crypto-to-bank payoutBybit EU2 stablecoins · Stablecoin transfers; Bybit EU account fiat withdrawal
Oobit 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
- 5%-10%
- Plan cost
- $0
- FX fee
- 3%
- ATM fee
- 2.5% Oobit fee plus any contactless ATM operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 12 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
CardsOobit CardOverall72Bybit Card (EU)Overall68
Oobit CardOverall72Bybit Card (EU)Overall68Scores
6 fields- Overall Score
- Oobit Card72Bybit Card (EU)68
- Cashback score
- Oobit Card68Bybit Card (EU)47
- Travel score
- Oobit Card45Bybit Card (EU)87
- Funds control score
- Oobit Card77Bybit Card (EU)51
- Lowest fees score
- Oobit Card51Bybit Card (EU)72
- Transfers score
- Oobit Card64Bybit Card (EU)79
Strengths & trade-offs
2 fields- Strengths
- Oobit CardConnected-wallet spending, Phone wallets and contactless ATMBybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card access
- Trade-offs
- Oobit CardEvery payment carries a provider fee, Physical card is unclearBybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account model
Costs
7 fields- Plan cost
- Oobit Card$0Bybit Card (EU)$0
- FX fee
- Oobit Card3%Bybit Card (EU)0.5%
- Top-up fee
- Oobit CardConnected-wallet spending needs no prefunding; account-balance top-up pricing varies by routeBybit Card (EU)Not disclosed
- Card spending fee
- Oobit Card$0.25 + 1%Bybit Card (EU)Not disclosed
- ATM fee
- Oobit Card2.5% Oobit fee plus any contactless ATM operator surchargeBybit Card (EU)2%
- Virtual card
- Oobit CardFreeBybit Card (EU)Free
- Physical card
- Oobit CardNot disclosedBybit Card (EU)First physical card free
Plans
2 fields- Available plans
- Oobit CardNot disclosedBybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2
- Top cashback plan
- Oobit CardNot disclosedBybit Card (EU)VIP 6 / PRO 3-5: 10%
Everyday use
8 fields- Network
- Oobit CardVisaBybit Card (EU)Mastercard
- Card formats
- Oobit CardVirtualBybit Card (EU)Virtual, Physical
- ATM withdrawals
- Oobit CardAvailableBybit Card (EU)Available
- Mobile wallets
- Oobit CardApple Pay, Google PayBybit Card (EU)Apple Pay, Google Pay
- Apps
- Oobit CardiOS, AndroidBybit Card (EU)iOS, Android, Web
- Daily spending limit
- Oobit Card$10,000 daily card-spend limit; account-specific controls may be lowerBybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetime
- Monthly spending limit
- Oobit CardNo universal monthly card-spend limit publishedBybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetime
- ATM limit
- Oobit Card$250 maximum per contactless ATM withdrawal; up to three attempts per rolling 24 hoursBybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per day
Funding & transfers
5 fields- Networks
- Oobit CardEthereum, BNB Smart Chain, Solana, Polygon, Optimism, ArbitrumBybit Card (EU)Not disclosed
- Crypto deposits
- Oobit CardNot disclosedBybit Card (EU)Other crypto: Supported crypto
- Fiat deposits
- Oobit CardNot disclosedBybit Card (EU)Bybit EU Funding Account deposit
- Transfers
- Oobit CardOobit Pay Friends; Crypto-to-bank payoutBybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawal
- Payout currencies
- Oobit CardUSD, EUR, GBP, INR, TRY, NGN, IDR, PHP +4Bybit Card (EU)Not disclosed
Rewards
3 fields- Base cashback
- Oobit Card5%Bybit Card (EU)1%
- Max cashback
- Oobit Card10%Bybit Card (EU)10%
- Reward currency
- Oobit CardStablecoin rewards or OOB tokenBybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)
Earn
5 fields- Advertised APY
- Oobit CardNot offeredBybit Card (EU)Up to 8% APY
- How it works
- Oobit CardNot offeredBybit Card (EU)Not disclosed
- Separate deposit
- Oobit CardNot offeredBybit Card (EU)Not disclosed
- Use balance for spending
- Oobit CardNot offeredBybit Card (EU)Not disclosed
- Lock-up
- Oobit CardNot offeredBybit Card (EU)Not disclosed
Trust & availability
3 fields- Custody
- Oobit CardHybrid custodyBybit Card (EU)Custodial
- Control until payment
- Oobit CardYou keep controlBybit Card (EU)Provider controls funds
- Card issuer
- Oobit CardThirdNationalBybit Card (EU)Harmoniie SAS, Moorwand Ltd
Sources
2 fields- Official sources
- Oobit Card16Bybit Card (EU)10
- Last reviewed
- Oobit CardAug 12, 2026Bybit Card (EU)Aug 14, 2026
04 · The trade-off
Oobit Card is the stronger all-round choice
Oobit Card finishes ahead with an Overall Score of 72 versus 68 for Bybit Card (EU). Bybit Card (EU) has the lower published FX fee (0.5% vs 3%). Oobit Card has the higher published base cashback rate (5% vs 1%).
Bybit Card (EU) still comes out ahead for Travel, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Oobit 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.
Oobit 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 Oobit Card and Bybit Card (EU) reviews first.
Continue with
Oobit Card
Continue with
Bybit Card (EU)
05 · Common questions
Oobit vs Bybit EU FAQ
Is Oobit or Bybit EU better overall?
Oobit Card has the higher Overall Score (72 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, Oobit or Bybit EU?
Bybit Card (EU) has the lower published FX fee (0.5% vs 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, Oobit or Bybit EU?
Oobit Card has the higher published base cashback rate (5% vs 1%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Oobit and Bybit EU differ on custody?
Oobit 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 Oobit vs Bybit EU comparison?
The latest information check for these two cards was August 14, 2026, using 26 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.