XPlaceXPlace
68
Side-by-side card comparison
XPlace vs Bybit EU: same score, different trade-offs
XPlace Card and Bybit Card (EU) share an Overall Score of 68. XPlace Card looks stronger for Cashback and Funds control, while Bybit Card (EU) comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Aug 27, 202636 official sources reviewed
01 · A level score
The scores are tied, but the cards are not the same
XPlace Card and Bybit Card (EU) have the same Overall Score. Start with what matters most to you: day-to-day costs, rewards, control of your funds or moving money. The sections below show how they differ. You should also check that your preferred card is available in your country.
OverallXPlace68Bybit EU68Same score
CashbackXPlace49Bybit EU47Higher score
TravelXPlace61Bybit EU87Higher score
Funds controlXPlace67Bybit EU51Higher score
Lowest feesXPlace69Bybit EU72Higher score
TransfersXPlace62Bybit EU79Higher score
Choose XPlace Card if cashback and funds control matter most
XPlace 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.
- Two distinct USDC spending modes
- Tiered USDC cashback with published caps
- Phone wallets and non-custodial collateral
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 the cards part company
A tied score can hide meaningful differences in cost, custody, rewards and everyday access.
- Overall Score
- XPlace68Bybit EU68
Both cards have the same displayed Overall Score of 68.
- Entry cost & FX
- XPlace$0 plan · 0–1% FXBybit EU$0 plan · 0.5% FX
Bybit Card (EU) has the lower published FX fee (0.5% vs 0–1%).
- Purchase rewards
- XPlace0.5% base · up to 4%Bybit EU1% base · up to 10%
Bybit Card (EU) has the higher published base cashback rate (1% vs 0.5%).
- Funds control
- XPlaceHybrid custodyBybit EUCustodial balance
XPlace 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
- XPlaceVirtual + 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
- XPlace2 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 tie
The score is level. These quick facts show where the cards still ask you to make a choice.
- Cashback
- 0.5%-4%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 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
Put the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsXPlace CardOverall68Bybit Card (EU)Overall68
XPlace CardOverall68Bybit Card (EU)Overall68Scores
6 fields- Overall Score
- XPlace Card68Bybit Card (EU)68
- Cashback score
- XPlace Card49Bybit Card (EU)47
- Travel score
- XPlace Card61Bybit Card (EU)87
- Funds control score
- XPlace Card67Bybit Card (EU)51
- Lowest fees score
- XPlace Card69Bybit Card (EU)72
- Transfers score
- XPlace Card62Bybit Card (EU)79
Strengths & trade-offs
2 fields- Strengths
- XPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published capsBybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card access
- Trade-offs
- XPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layersBybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account model
Costs
7 fields- Plan cost
- XPlace Card$0Bybit Card (EU)$0
- FX fee
- XPlace Card0–1%Bybit Card (EU)0.5%
- Top-up fee
- XPlace CardProvider fee not published; external network or bridge costs may apply and are not card feesBybit Card (EU)Not disclosed
- Card spending fee
- XPlace Card0%Bybit Card (EU)Not disclosed
- ATM fee
- XPlace CardNot availableBybit Card (EU)2%
- Virtual card
- XPlace CardNot disclosedBybit Card (EU)Free
- Physical card
- XPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.Bybit Card (EU)First physical card free
Plans
2 fields- Available plans
- XPlace Card4 plans: Basic, Silver, Gold, PlatinumBybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2
- Top cashback plan
- XPlace CardPlatinum: 2%Bybit Card (EU)VIP 6 / PRO 3-5: 10%
Everyday use
8 fields- Network
- XPlace CardVisaBybit Card (EU)Mastercard
- Card formats
- XPlace CardVirtual, PhysicalBybit Card (EU)Virtual, Physical
- ATM withdrawals
- XPlace CardNot availableBybit Card (EU)Available
- Mobile wallets
- XPlace CardApple Pay, Google PayBybit Card (EU)Apple Pay, Google Pay
- Apps
- XPlace CardiOS, AndroidBybit Card (EU)iOS, Android, Web
- Daily spending limit
- XPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controlsBybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetime
- Monthly spending limit
- XPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per monthBybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetime
- ATM limit
- XPlace CardNot available while only the virtual card is liveBybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per day
Funding & transfers
5 fields- Networks
- XPlace CardSolanaBybit Card (EU)Not disclosed
- Crypto deposits
- XPlace CardStablecoins: USDCBybit Card (EU)Other crypto: Supported crypto
- Fiat deposits
- XPlace CardNot disclosedBybit Card (EU)Bybit EU Funding Account deposit
- Transfers
- XPlace CardStablecoin transfersBybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawal
- Payout currencies
- XPlace CardNot disclosedBybit Card (EU)Not disclosed
Rewards
3 fields- Base cashback
- XPlace Card0.5%Bybit Card (EU)1%
- Max cashback
- XPlace Card4%Bybit Card (EU)10%
- Reward currency
- XPlace 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
- XPlace CardUp to 6.15% APYBybit Card (EU)Up to 8% APY
- How it works
- XPlace CardBorrow against collateral, Optional earn vaultBybit Card (EU)Not disclosed
- Separate deposit
- XPlace CardYesBybit Card (EU)Not disclosed
- Use balance for spending
- XPlace CardNoBybit Card (EU)Not disclosed
- Lock-up
- XPlace CardNoBybit Card (EU)Not disclosed
Trust & availability
5 fields- Custody
- XPlace CardHybrid custodyBybit Card (EU)Custodial
- Control until payment
- XPlace CardProvider controls fundsBybit Card (EU)Provider controls funds
- Card issuer
- XPlace CardThird NationalBybit Card (EU)Harmoniie SAS, Moorwand Ltd
- Card processing
- XPlace CardSignify Holdings, Inc. (Rain)Bybit Card (EU)Not disclosed
- Identity verification
- XPlace CardSumsubBybit Card (EU)Not disclosed
Sources
2 fields- Official sources
- XPlace Card26Bybit Card (EU)10
- Last reviewed
- XPlace CardAug 27, 2026Bybit Card (EU)Aug 14, 2026
04 · The closer call
XPlace Card and Bybit Card (EU) need a closer personal call
The Overall Score ends level at 68, so there is no honest all-round winner here. Bybit Card (EU) has the lower published FX fee (0.5% vs 0–1%). Bybit Card (EU) has the higher published base cashback rate (1% vs 0.5%).
XPlace Card looks stronger for Cashback and Funds control, while Bybit Card (EU) comes out ahead for Travel, Lowest fees, and Transfers. XPlace 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). Your final check should be whether the card is available where you live and whether the latest provider terms match the features you expect to use.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full XPlace Card and Bybit Card (EU) reviews first.
Continue with
XPlace Card
Continue with
Bybit Card (EU)
05 · Common questions
XPlace vs Bybit EU FAQ
Is XPlace or Bybit EU better overall?
XPlace Card and Bybit Card (EU) tie at 68 in the Overall Score. Compare their costs, rewards, way of holding funds and everyday features to decide which suits you.
Which has lower fees, XPlace or Bybit EU?
Bybit Card (EU) has the lower published FX fee (0.5% vs 0–1%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, XPlace 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 XPlace and Bybit EU differ on custody?
XPlace 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 XPlace vs Bybit EU comparison?
The latest information check for these two cards was August 27, 2026, using 36 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.