TangemTangem
77
Side-by-side card comparison
Tangem vs Bybit EU: overall score versus use-case fit
Tangem Card has the higher Overall Score by 9 points (77 vs 68). Tangem Card looks stronger for Cashback and Funds control, while Bybit Card (EU) comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Oct 11, 202630 official sources reviewed
01 · Overall score versus use-case fit
Tangem Card is the better all-round starting point
Tangem 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.
OverallTangem77Bybit EU68Higher score
CashbackTangem73Bybit EU47Higher score
TravelTangem63Bybit EU87Higher score
Funds controlTangem87Bybit EU51Higher score
Lowest feesTangem52Bybit EU72Higher score
TransfersTangem65Bybit EU79Higher score
Choose Tangem Card if cashback and funds control matter most
Tangem 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.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
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
- Tangem77Bybit EU68
Tangem Card has the higher Overall Score by 9 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown FXBybit EU$0 plan · 0.5% FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Tangem1% base · up to 2%Bybit EU1% base · up to 10%
Both cards show the same base cashback rate of 1%.
- Funds control
- TangemHybrid custodyBybit EUCustodial balance
Tangem 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
- TangemVirtual + 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
- Tangem2 stablecoins · Stablecoin transfersBybit 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
- 1%-2%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- 2–4%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 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
CardsTangem CardOverall77Bybit Card (EU)Overall68
Tangem CardOverall77Bybit Card (EU)Overall68Scores
6 fields- Overall Score
- Tangem Card77Bybit Card (EU)68
- Cashback score
- Tangem Card73Bybit Card (EU)47
- Travel score
- Tangem Card63Bybit Card (EU)87
- Funds control score
- Tangem Card87Bybit Card (EU)51
- Lowest fees score
- Tangem Card52Bybit Card (EU)72
- Transfers score
- Tangem Card65Bybit Card (EU)79
Strengths & trade-offs
2 fields- Strengths
- Tangem CardApple Pay and Google Pay, Direct USDC funding on PolygonBybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card access
- Trade-offs
- Tangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%Bybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account model
Costs
7 fields- Plan cost
- Tangem Card$0Bybit Card (EU)$0
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownBybit Card (EU)0.5%
- Top-up fee
- Tangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separateBybit Card (EU)Not disclosed
- Card spending fee
- Tangem Card0%Bybit Card (EU)Not disclosed
- ATM fee
- Tangem Card2–4%Bybit Card (EU)2%
- Virtual card
- Tangem Card$0 for the first virtual cardBybit Card (EU)Free
- Physical card
- Tangem CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery freeBybit Card (EU)First physical card free
Plans
2 fields- Available plans
- Tangem Card2 plans: Basic, PlusBybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2
- Top cashback plan
- Tangem CardPlus: 2%Bybit Card (EU)VIP 6 / PRO 3-5: 10%
Everyday use
8 fields- Network
- Tangem CardVisaBybit Card (EU)Mastercard
- Card formats
- Tangem CardVirtual, PhysicalBybit Card (EU)Virtual, Physical
- ATM withdrawals
- Tangem CardAvailableBybit Card (EU)Available
- Mobile wallets
- Tangem CardApple Pay, Google PayBybit Card (EU)Apple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidBybit Card (EU)iOS, Android, Web
- Daily spending limit
- Tangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controlsBybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetime
- Monthly spending limit
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthBybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetime
- ATM limit
- Tangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM requiredBybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per day
Funding & transfers
5 fields- Networks
- Tangem CardPolygon, BNB Smart Chain, Base, ArbitrumBybit Card (EU)Not disclosed
- Crypto deposits
- Tangem CardStablecoins: USDC, USDTBybit Card (EU)Other crypto: Supported crypto
- Fiat deposits
- Tangem CardUSD ACH deposit, USD Fedwire depositBybit Card (EU)Bybit EU Funding Account deposit
- Transfers
- Tangem CardStablecoin transfersBybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawal
- Payout currencies
- Tangem CardNot disclosedBybit Card (EU)Not disclosed
Rewards
3 fields- Base cashback
- Tangem Card1%Bybit Card (EU)1%
- Max cashback
- Tangem Card2%Bybit Card (EU)10%
- Reward currency
- Tangem CardUSDCBybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)
Earn
5 fields- Advertised APY
- Tangem CardNot offeredBybit Card (EU)Up to 8% APY
- How it works
- Tangem CardNot offeredBybit Card (EU)Not disclosed
- Separate deposit
- Tangem CardNot offeredBybit Card (EU)Not disclosed
- Use balance for spending
- Tangem CardNot offeredBybit Card (EU)Not disclosed
- Lock-up
- Tangem CardNot offeredBybit Card (EU)Not disclosed
Trust & availability
5 fields- Custody
- Tangem CardHybrid custodyBybit Card (EU)Custodial
- Control until payment
- Tangem CardYou keep controlBybit Card (EU)Provider controls funds
- Card issuer
- Tangem CardThird NationalBybit Card (EU)Harmoniie SAS, Moorwand Ltd
- Card processing
- Tangem CardPaera LLCBybit Card (EU)Not disclosed
- Identity verification
- Tangem CardSumsubBybit Card (EU)Not disclosed
Sources
2 fields- Official sources
- Tangem Card20Bybit Card (EU)10
- Last reviewed
- Tangem CardOct 11, 2026Bybit Card (EU)Oct 11, 2026
04 · The trade-off
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 77 versus 68 for Bybit Card (EU). The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 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. Tangem 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.
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 Tangem Card and Bybit Card (EU) reviews first.
Continue with
Tangem Card
Continue with
Bybit Card (EU)
05 · Common questions
Tangem vs Bybit EU FAQ
Is Tangem or Bybit EU better overall?
Tangem Card has the higher Overall Score (77 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, Tangem or Bybit EU?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Tangem or Bybit EU?
Both cards show the same base cashback rate of 1%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Tangem and Bybit EU differ on custody?
Tangem 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 Tangem vs Bybit EU comparison?
The latest information check for these two cards was October 11, 2026, using 30 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.