PayyPayy
62
Side-by-side card comparison
Payy vs Bybit EU: overall score versus use-case fit
Bybit Card (EU) has the higher Overall Score by 6 points (68 vs 62). Payy Card looks stronger for Funds control, while Bybit Card (EU) comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Aug 14, 202615 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. Payy Card may be the better fit for Funds control. 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.
OverallPayy62Bybit EU68Higher score
CashbackPayy17Bybit EU47Higher score
TravelPayy27Bybit EU87Higher score
Funds controlPayy97Bybit EU51Higher score
Lowest feesPayy57Bybit EU72Higher score
TransfersPayy68Bybit EU79Higher score
Choose Payy Card if funds control matters most
Payy Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody wallet control
- No monthly or transaction fee
- Instant virtual Visa with phone wallets
Choose Bybit Card (EU) if cashback and travel matter most
Bybit Card (EU) comes out ahead for Cashback, 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
- Payy62Bybit EU68
Bybit Card (EU) has the higher Overall Score by 6 points.
- Entry cost & FX
- Payy$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
- Payy0% cashbackBybit EU1% base · up to 10%
Bybit Card (EU) has the higher published base cashback rate (1% vs 0%).
- Funds control
- PayySelf-controlled walletBybit EUCustodial balance
Payy 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
- PayyVirtual · 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
- Payy1 stablecoin · Stablecoin transfers; Payy payment linksBybit EU2 stablecoins · Stablecoin transfers; Bybit EU account fiat withdrawal
Bybit Card (EU) lists more stablecoins and ways to send money out (4 vs 3).
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
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 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
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
CardsPayy CardOverall62Bybit Card (EU)Overall68
Payy CardOverall62Bybit Card (EU)Overall68Scores
6 fields- Overall Score
- Payy Card62Bybit Card (EU)68
- Cashback score
- Payy Card17Bybit Card (EU)47
- Travel score
- Payy Card27Bybit Card (EU)87
- Funds control score
- Payy Card97Bybit Card (EU)51
- Lowest fees score
- Payy Card57Bybit Card (EU)72
- Transfers score
- Payy Card68Bybit Card (EU)79
Strengths & trade-offs
2 fields- Strengths
- Payy CardSelf-custody wallet control, No monthly or transaction feeBybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card access
- Trade-offs
- Payy CardFX can reach 3%, Cash and physical access are constrainedBybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account model
Costs
7 fields- Plan cost
- Payy Card$0Bybit Card (EU)$0
- FX fee
- Payy Card1–3%Bybit Card (EU)0.5%
- Top-up fee
- Payy Card0%Bybit Card (EU)Not disclosed
- Card spending fee
- Payy Card0%Bybit Card (EU)Not disclosed
- ATM fee
- Payy CardNot availableBybit Card (EU)2%
- Virtual card
- Payy CardFree; instant after KYCBybit Card (EU)Free
- Physical card
- Payy CardNot disclosedBybit Card (EU)First physical card free
Plans
2 fields- Available plans
- Payy CardNot disclosedBybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2
- Top cashback plan
- Payy CardNot disclosedBybit Card (EU)VIP 6 / PRO 3-5: 10%
Everyday use
8 fields- Network
- Payy CardVisa/Other networkBybit Card (EU)Mastercard
- Card formats
- Payy CardVirtualBybit Card (EU)Virtual, Physical
- ATM withdrawals
- Payy CardNot availableBybit Card (EU)Available
- Mobile wallets
- Payy CardApple Pay, Google PayBybit Card (EU)Apple Pay, Google Pay
- Apps
- Payy CardiOS, AndroidBybit Card (EU)iOS, Android, Web
- Daily spending limit
- Payy CardNot disclosedBybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetime
- Monthly spending limit
- Payy CardNot disclosedBybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetime
- ATM limit
- Payy CardNot disclosedBybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per day
Funding & transfers
5 fields- Networks
- Payy CardPolygon, Payy NetworkBybit Card (EU)Not disclosed
- Crypto deposits
- Payy CardStablecoins: USDCBybit Card (EU)Other crypto: Supported crypto
- Fiat deposits
- Payy CardBank-account depositBybit Card (EU)Bybit EU Funding Account deposit
- Transfers
- Payy CardStablecoin transfers; Payy payment linksBybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawal
- Payout currencies
- Payy CardNot disclosedBybit Card (EU)Not disclosed
Rewards
3 fields- Base cashback
- Payy Card0%Bybit Card (EU)1%
- Max cashback
- Payy Card0%Bybit Card (EU)10%
- Reward currency
- Payy 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
- Payy CardNot offeredBybit Card (EU)Up to 8% APY
- How it works
- Payy CardNot offeredBybit Card (EU)Not disclosed
- Separate deposit
- Payy CardNot offeredBybit Card (EU)Not disclosed
- Use balance for spending
- Payy CardNot offeredBybit Card (EU)Not disclosed
- Lock-up
- Payy CardNot offeredBybit Card (EU)Not disclosed
Trust & availability
4 fields- Custody
- Payy CardSelf-custodyBybit Card (EU)Custodial
- Control until payment
- Payy CardYou keep controlBybit Card (EU)Provider controls funds
- Card issuer
- Payy CardThird National / RainBybit Card (EU)Harmoniie SAS, Moorwand Ltd
- Card processing
- Payy CardRainBybit Card (EU)Not disclosed
Sources
2 fields- Official sources
- Payy Card5Bybit Card (EU)10
- Last reviewed
- Payy 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 62 for Payy 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%).
Payy Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. Payy 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.
Bybit Card (EU) lists more stablecoins and ways to send money out (4 vs 3). 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 Payy Card and Bybit Card (EU) reviews first.
Continue with
Payy Card
Continue with
Bybit Card (EU)
05 · Common questions
Payy vs Bybit EU FAQ
Is Payy or Bybit EU better overall?
Bybit Card (EU) has the higher Overall Score (68 vs 62). 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, Payy 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, Payy 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 Payy and Bybit EU differ on custody?
Payy 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 Payy vs Bybit EU comparison?
The latest information check for these two cards was August 14, 2026, using 15 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.