WirexWirex One
77
Side-by-side card comparison
Wirex One vs Bybit EU: overall score versus use-case fit
Wirex One Card has the higher Overall Score by 9 points (77 vs 68). Wirex One Card looks stronger for Cashback, Funds control, and Transfers, while Bybit Card (EU) comes out ahead for Travel and Lowest fees.
Information checked Aug 14, 202646 official sources reviewed
01 · Overall score versus use-case fit
Wirex One Card is the better all-round starting point
Wirex One Card has the higher Overall Score in this comparison. Bybit Card (EU) may be the better fit for Travel and Lowest fees. 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.
OverallWirex One77Bybit EU68Higher score
CashbackWirex One70Bybit EU47Higher score
TravelWirex One85Bybit EU87Higher score
Funds controlWirex One73Bybit EU51Higher score
Lowest feesWirex One68Bybit EU72Higher score
TransfersWirex One94Bybit EU79Higher score
Choose Wirex One Card if cashback and funds control matter most
Wirex One Card comes out ahead for Cashback, 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.
- Five current card tiers
- 0.5% to 8% cashback in USD
- Self-custodial digital assets
Choose Bybit Card (EU) if travel and lowest fees matter most
Bybit Card (EU) comes out ahead for 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
- Wirex One77Bybit EU68
Wirex One Card has the higher Overall Score by 9 points.
- Entry cost & FX
- Wirex One$0 plan · 0% FXBybit EU$0 plan · 0.5% FX
Wirex One Card has the lower published FX fee (0% vs 0.5%).
- Purchase rewards
- Wirex One0.5% base · up to 8%Bybit EU1% base · up to 10%
Bybit Card (EU) has the higher published base cashback rate (1% vs 0.5%).
- Funds control
- Wirex OneNon-custodial accountBybit EUCustodial balance
Wirex One Card uses a non-custodial account 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
- Wirex OneVirtual + 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
- Wirex One3 stablecoins · Stablecoin transfers; Pay to an external card, Bank account payoutsBybit EU2 stablecoins · Stablecoin transfers; Bybit EU account fiat withdrawal
Wirex One 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
- 0.5%-8%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 2 fiat
- Payout methods
- 3 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
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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
CardsWirex One CardOverall77Bybit Card (EU)Overall68
Wirex One CardOverall77Bybit Card (EU)Overall68Scores
6 fields- Overall Score
- Wirex One Card77Bybit Card (EU)68
- Cashback score
- Wirex One Card70Bybit Card (EU)47
- Travel score
- Wirex One Card85Bybit Card (EU)87
- Funds control score
- Wirex One Card73Bybit Card (EU)51
- Lowest fees score
- Wirex One Card68Bybit Card (EU)72
- Transfers score
- Wirex One Card94Bybit Card (EU)79
Strengths & trade-offs
2 fields- Strengths
- Wirex One CardFive current card tiers, 0.5% to 8% cashback in USDBybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card access
- Trade-offs
- Wirex One CardHigher tiers require WPAY exposure, Limits remain region-specificBybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account model
Costs
7 fields- Plan cost
- Wirex One Card$0Bybit Card (EU)$0
- FX fee
- Wirex One Card0%Bybit Card (EU)0.5%
- Top-up fee
- Wirex One CardNot disclosedBybit Card (EU)Not disclosed
- Card spending fee
- Wirex One CardNot disclosedBybit Card (EU)Not disclosed
- ATM fee
- Wirex One Card2%Bybit Card (EU)2%
- Virtual card
- Wirex One CardIncluded on every membership tierBybit Card (EU)Free
- Physical card
- Wirex One CardPlastic from Premium; Visa Signature Metal from PrivateBybit Card (EU)First physical card free
Plans
2 fields- Available plans
- Wirex One Card5 plans: Base, Premium, Elite, Private +1Bybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2
- Top cashback plan
- Wirex One CardBespoke: 8%Bybit Card (EU)VIP 6 / PRO 3-5: 10%
Everyday use
8 fields- Network
- Wirex One CardVisaBybit Card (EU)Mastercard
- Card formats
- Wirex One CardVirtual, PhysicalBybit Card (EU)Virtual, Physical
- ATM withdrawals
- Wirex One CardAvailableBybit Card (EU)Available
- Mobile wallets
- Wirex One CardApple Pay, Google PayBybit Card (EU)Apple Pay, Google Pay
- Apps
- Wirex One CardiOS, AndroidBybit Card (EU)iOS, Android, Web
- Daily spending limit
- Wirex One CardEEA card-spend limit: €30,000/day and €30,000 per transaction; other regions are shown in appBybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetime
- Monthly spending limit
- Wirex One CardEEA card-spend limit: €30,000/month; other regions are shown in appBybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetime
- ATM limit
- Wirex One CardEEA physical/Metal ATM limit: €500/day, €5,000/month and 5 withdrawals/day; 2% above the free allowanceBybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per day
Funding & transfers
5 fields- Networks
- Wirex One CardNot disclosedBybit Card (EU)Not disclosed
- Crypto deposits
- Wirex One CardStablecoins: USDC, USDT, EURCBybit Card (EU)Other crypto: Supported crypto
- Fiat deposits
- Wirex One CardBank funding, External card top-upBybit Card (EU)Bybit EU Funding Account deposit
- Transfers
- Wirex One CardStablecoin transfers; Pay to an external card, Bank account payoutsBybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawal
- Payout currencies
- Wirex One CardUSD, EUR, GBPBybit Card (EU)Not disclosed
Rewards
3 fields- Base cashback
- Wirex One Card0.5%Bybit Card (EU)1%
- Max cashback
- Wirex One Card8%Bybit Card (EU)10%
- Reward currency
- Wirex One CardUSD 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
- Wirex One CardNot offeredBybit Card (EU)Up to 8% APY
- How it works
- Wirex One CardNot offeredBybit Card (EU)Not disclosed
- Separate deposit
- Wirex One CardNot offeredBybit Card (EU)Not disclosed
- Use balance for spending
- Wirex One CardNot offeredBybit Card (EU)Not disclosed
- Lock-up
- Wirex One CardNot offeredBybit Card (EU)Not disclosed
Trust & availability
5 fields- Custody
- Wirex One CardNon-custodialBybit Card (EU)Custodial
- Control until payment
- Wirex One CardNot disclosedBybit Card (EU)Provider controls funds
- Card issuer
- Wirex One CardTransact Payments Malta Limited, Novatti Group LimitedBybit Card (EU)Harmoniie SAS, Moorwand Ltd
- Custody / key management
- Wirex One CardPrivy Technologies, Inc.Bybit Card (EU)Not disclosed
- Programme operator
- Wirex One CardUAB WirexBybit Card (EU)Not disclosed
Sources
2 fields- Official sources
- Wirex One Card36Bybit Card (EU)10
- Last reviewed
- Wirex One CardAug 12, 2026Bybit Card (EU)Aug 14, 2026
04 · The trade-off
Wirex One Card is the stronger all-round choice
Wirex One Card finishes ahead with an Overall Score of 77 versus 68 for Bybit Card (EU). Wirex One Card has the lower published FX fee (0% vs 0.5%). Bybit Card (EU) has the higher published base cashback rate (1% vs 0.5%).
Bybit Card (EU) still comes out ahead for Travel and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Wirex One Card uses a non-custodial account 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.
Wirex One 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 Wirex One Card and Bybit Card (EU) reviews first.
Continue with
Wirex One Card
Continue with
Bybit Card (EU)
05 · Common questions
Wirex One vs Bybit EU FAQ
Is Wirex One or Bybit EU better overall?
Wirex One 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, Wirex One or Bybit EU?
Wirex One Card has the lower published FX fee (0% vs 0.5%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Wirex One 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 Wirex One and Bybit EU differ on custody?
Wirex One Card uses a non-custodial account 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 Wirex One vs Bybit EU comparison?
The latest information check for these two cards was August 14, 2026, using 46 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.