TuyoTuyo
74
Side-by-side card comparison
Tuyo vs Bybit EU: overall score versus use-case fit
Tuyo Card has the higher Overall Score by 6 points (74 vs 68). Tuyo Card looks stronger for Funds control, while Bybit Card (EU) comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Aug 14, 202622 official sources reviewed
01 · Overall score versus use-case fit
Tuyo Card is the better all-round starting point
Tuyo Card has the higher Overall Score in this comparison. Bybit Card (EU) may be the better fit for Cashback, 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.
OverallTuyo74Bybit EU68Higher score
CashbackTuyo39Bybit EU47Higher score
TravelTuyo42Bybit EU87Higher score
Funds controlTuyo100Bybit EU51Higher score
Lowest feesTuyo71Bybit EU72Higher score
TransfersTuyo72Bybit EU79Higher score
Choose Tuyo Card if funds control matters most
Tuyo 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
- Virtual Visa with both phone wallets
- Multichain USDC funding and spendable Earn
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
- Tuyo74Bybit EU68
Tuyo Card has the higher Overall Score by 6 points.
- Entry cost & FX
- Tuyo$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
- Tuyo0% base · up to 100%Bybit EU1% base · up to 10%
Bybit Card (EU) has the higher published base cashback rate (1% vs 0%).
- Funds control
- TuyoSelf-controlled walletBybit EUCustodial balance
Tuyo 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
- TuyoVirtual · 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
- Tuyo1 stablecoin · 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 2).
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%-100%
- 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
CardsTuyo CardOverall74Bybit Card (EU)Overall68
Tuyo CardOverall74Bybit Card (EU)Overall68Scores
6 fields- Overall Score
- Tuyo Card74Bybit Card (EU)68
- Cashback score
- Tuyo Card39Bybit Card (EU)47
- Travel score
- Tuyo Card42Bybit Card (EU)87
- Funds control score
- Tuyo Card100Bybit Card (EU)51
- Lowest fees score
- Tuyo Card71Bybit Card (EU)72
- Transfers score
- Tuyo Card72Bybit Card (EU)79
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsBybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card access
- Trade-offs
- Tuyo CardReward value is unpredictable, Virtual-only with no ATM accessBybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account model
Costs
7 fields- Plan cost
- Tuyo Card$0Bybit Card (EU)$0
- FX fee
- Tuyo Card1–3%Bybit Card (EU)0.5%
- Top-up fee
- Tuyo CardNot disclosedBybit Card (EU)Not disclosed
- Card spending fee
- Tuyo Card0%Bybit Card (EU)Not disclosed
- ATM fee
- Tuyo CardNot availableBybit Card (EU)2%
- Virtual card
- Tuyo CardFreeBybit Card (EU)Free
- Physical card
- Tuyo CardComing soon; not currently availableBybit Card (EU)First physical card free
Plans
2 fields- Available plans
- Tuyo CardNot disclosedBybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2
- Top cashback plan
- Tuyo CardNot disclosedBybit Card (EU)VIP 6 / PRO 3-5: 10%
Everyday use
8 fields- Network
- Tuyo CardVisaBybit Card (EU)Mastercard
- Card formats
- Tuyo CardVirtualBybit Card (EU)Virtual, Physical
- ATM withdrawals
- Tuyo CardNot availableBybit Card (EU)Available
- Mobile wallets
- Tuyo CardApple Pay, Google PayBybit Card (EU)Apple Pay, Google Pay
- Apps
- Tuyo CardiOS, AndroidBybit Card (EU)iOS, Android, Web
- Daily spending limit
- Tuyo CardUp to $10,000 per day; limits can change with usage and account history.Bybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetime
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.Bybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetime
- ATM limit
- Tuyo CardATM withdrawals are not currently supported.Bybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per day
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonBybit Card (EU)Not disclosed
- Crypto deposits
- Tuyo CardStablecoins: USDCBybit Card (EU)Other crypto: Supported crypto
- Fiat deposits
- Tuyo CardVirtual-account receivingBybit Card (EU)Bybit EU Funding Account deposit
- Transfers
- Tuyo CardStablecoin transfersBybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawal
- Payout currencies
- Tuyo CardNot disclosedBybit Card (EU)Not disclosed
Rewards
3 fields- Base cashback
- Tuyo Card0%Bybit Card (EU)1%
- Max cashback
- Tuyo Card100%Bybit Card (EU)10%
- Reward currency
- Tuyo CardUSDBybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)
Earn
5 fields- Advertised APY
- Tuyo CardUp to 11% APYBybit Card (EU)Up to 8% APY
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultBybit Card (EU)Not disclosed
- Separate deposit
- Tuyo CardYesBybit Card (EU)Not disclosed
- Use balance for spending
- Tuyo CardYesBybit Card (EU)Not disclosed
- Lock-up
- Tuyo CardNot disclosedBybit Card (EU)Not disclosed
Trust & availability
6 fields- Custody
- Tuyo CardSelf-custodyBybit Card (EU)Custodial
- Control until payment
- Tuyo CardYou keep controlBybit Card (EU)Provider controls funds
- Card issuer
- Tuyo CardThird NationalBybit Card (EU)Harmoniie SAS, Moorwand Ltd
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)Bybit Card (EU)Not disclosed
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)Bybit Card (EU)Not disclosed
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedBybit Card (EU)Not disclosed
Sources
2 fields- Official sources
- Tuyo Card12Bybit Card (EU)10
- Last reviewed
- Tuyo CardAug 5, 2026Bybit Card (EU)Aug 14, 2026
04 · The trade-off
Tuyo Card is the stronger all-round choice
Tuyo Card finishes ahead with an Overall Score of 74 versus 68 for Bybit Card (EU). 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%).
Bybit Card (EU) still comes out ahead for Cashback, Travel, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Tuyo 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 2). 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 Tuyo Card and Bybit Card (EU) reviews first.
Continue with
Tuyo Card
Continue with
Bybit Card (EU)
05 · Common questions
Tuyo vs Bybit EU FAQ
Is Tuyo or Bybit EU better overall?
Tuyo Card has the higher Overall Score (74 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, Tuyo 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, Tuyo 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 Tuyo and Bybit EU differ on custody?
Tuyo 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 Tuyo vs Bybit EU comparison?
The latest information check for these two cards was August 14, 2026, using 22 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.