Bybit Card

#4 (out of 51) in Crypto Cards
#4 (out of 37) in Crypto Cards for Europe
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Overall Rating
Company Strength
Fee Structure
Customer Service
  • Strong company
  • Low foreign exchange fees
  • High cashback offered only for multi-million dollar accounts
  • Poor customer service
Visa or MC
Debit or Credit

Debit Card

Denominated In€ EUR£ GBP
Apple PayNot Enabled
Monthly Fee

0.00 EUR

Monthly Inactivity Fee

0.00 EUR

Crypto to EUR Crypto->EUR Conversion Cost


Highest Cashback

up to 10%

Entry-Level Cashback


Entry-Level Cashback Monthly Cap

10 EUR

Daily Spending Limit

5,000 EUR

Daily ATM Withdrawal Limit

2,000 EUR

Foreign Exchange Fee


Crypto to Fiat Conversion

Auto on Every Purchase

Crypto Asset Management

Custodial (stores crypto keys on your behalf)

Supported CountriesShow All (32)
Your Bybit Card: In light gray, distinctly different from other crypto cards, and incredibly practical for everyday use.

Your Bybit Card: In light gray, distinctly different from other crypto cards, and incredibly practical for everyday use.

Bybit Card Benefits and Rewards

Bybit offers up to 10% cashback for card transactions, depending on your VIP Level:

Assets Balance Required Cashback Monthly Cashback Cap
Non-VIP 0 USD 0.2% 10 EUR
VIP 1 50,000 USD 1% 75 EUR
VIP 2 250,000 USD 2% 150 EUR
VIP 3 500,000 USD 4% 200 EUR
VIP 4 1,000,000 USD 6% 300 EUR
VIP 5 2,000,000 USD 8% 400 EUR
VIP Supreme >500 M Trading Volume 10% 600 EUR

VIP status is awarded when your assets reach 50,000 USD.

In addition to cashback, you will earn points when you spend with Bybit Card. The points can then be exchanged for various items such as crypto bonuses, coupons, and exclusive merchandise at Bybit’s Rewards Market.

Reality Check While Bybit Card promotes up to 10% cashback, if you're an entry-level user with 1,000 EUR in assets, you'll qualify for 0.2% cashback, capped at 10 EUR per month.

Are other cards more generous at base tier? Yes, slightly:

Bybit CardIndustry Average1
Entry Level Cashback0.2%1%
Entry Level Cashback Monthly Cap10 EUR15 EUR

Bybit Card is a Debit Card

  • Debit Card
  • Credit Card
  • Prepaid Card
  • No Bank Account Offered

Bybit Card differs from a traditional debit card, where the balance is linked directly to your bank account. Instead, with Bybit, the card is connected to your chosen crypto coin balance on their platform.

Since Bybit doesn't offer a bank account with this card (while some crypto cards do), it means you won't be able to receive third-party payments, like fiat withdrawals from exchanges, for example.

It Comes in Both Physical and Virtual Forms

You can get Bybit Card in both physical and virtual versions, a feature only available with 40% of crypto cards. They'll mail you the physical card, and you can instantly get the virtual card online after completing KYC Identity Verification.

Wondering about the perks of each card type? Here are some highlights:

Physical Card
Virtual Card
ATM WithdrawalsSecond Card Number
Required for Car Rentals, HotelsInstant Availability
Useful When Phone Dies, or no WifiFreeze for Safety
Backup Payment MethodSet Lower Spend Limits

You will find the physical Bybit Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.

Crypto-to-EUR Conversion Cost with Bybit Card

Bybit Card Converts Your Crypto on Demand

Bybit Card offers instant conversion to EUR at the time of purchase. This allows you to hold your crypto and exchange to real-life currency only when you need to. No need to pre-convert your cryptocurrencies or preload the card.

Crypto to Fiat Conversion Fee0.9%
Sell Spread~0.25%
Transaction Fee
Total Crypto to EUR Cost~1.15%

Low Cost:Compared to the average ~1.7% crypto-to-fiat cost of other cards, converting crypto with Bybit Card is much more cost-effective (~1.15%). This means that you will get more EUR for your crypto when using this card.

From all crypto cards we reviewed for Europe, WhiteBIT Card, Holyheld Card and Trade Republic Card offer the cheapest crypto-to-fiat conversions (~0.28%, ~0.5% and ~0.7% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.

How Does Bybit Card Compare to Other Crypto Cards?

Bybit Card ranks #4 out of 51 amongst all the crypto cards we have reviewed so far. This means it's in the Top 30%.

We compared Bybit Card with 36 similar crypto cards, available for the same geographical region. See the resulting pros and cons below.

Strongest Features Against Competitors

Here are the strongest features of Bybit Card against its 36 competitors:

  • Offers impressive maximum cashback of up to 10% (other cards have an average of 4%).
  • Has a Foreign Exchange Fee of 0.5% (other cards have 1.5% average).
  • Provides a substantial ATM widthdrawal allowance of 2,000 EUR per day (average amongst other cards is only 500 EUR).
  • Solid company with a 10/10 company strength score (the average for all competing cards is 6/10).
  • Doesn't require preconverting of your crypto, converts needed amount automatically on every purchase (while 70% of competing crypto cards require you to preload card in advance).
  • You can get both a physical card and a second virtual card (while 60% of competing crypto cards offer only one type - either physical or just virtual).
  • Their crypto-to-fiat conversion cost, including all related fees and spread, is among the lowest at ~1.15% (versus an average of ~1.7% with other cards.)
  • Their overall fee structure is incredibly budget-friendly, with a score of 8.2/10 (average fee structure rating amongst other cards is 5.9/10).

Weakest Features Against Competitors

Compared to its 36 competitors, here are the shortcomings of Bybit Card:

  • Apple Pay isn't enabled (while 60% of competing crypto cards have it).
  • Daily spend is capped at 5,000 EUR (while other cards offer 10,500 EUR daily spend limit on average).
  • Their customer service is poor with a 5.8/10 score (competitors score 7.5/10 on average).
  • Bybit Card vs. Revolut Card vs. Nexo Card

    Bybit Card
    Revolut Card
    Nexo Card
    Monthly Fee 0.00 EUR 0.00 EUR 0.00 EUR
    Crypto to Fiat Cost ~1.15% ~2.99% ~0.75%
    Highest Cashback up to 10% up to 1% up to 2%
    Entry-Level Cashback 0.2% 0% 0.5%
    Daily Spending Limit 5,000 EUR Unlimited 10,000 EUR
    Daily ATM Limit 2,000 EUR 3,000 EUR 2,000 EUR
    Foreign Exchange Fee 0.5% 1% 0.5%
    Asset Management Custodial Custodial Custodial
    Availability for United States flagUnited States
    Supported Cryptocurrencies 8 120 63
    Apple Pay Not Enabled Enabled Enabled
    Customer Service Average Great Great
    Company Strength Strong Strong Strong

    If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Revolut Card offers an unparalleled Unlimited daily spending limit. You will get lower daily limits with Bybit Card and Nexo Card.

    Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Bybit Card offers the best cashback rewards of up to 10%. The cashback rewards for Revolut Card and Nexo Card are not as high.

    To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.

Bybit Card ATM Fees: The Real Cost of Cashing Out

Local ATM Withdrawals in EUR

Here's a breakdown of the fees you'll face when making local ATM withdrawals with your Bybit Card:

You're at a local ATM and have:
0.062 ETH (200 EUR)
-2.3 EUR
Bybit Crypto-to-Fiat Conversion Cost: ~1.15%
-3.95 EUR
Bybit ATM Withdrawal Fee: 2%
-3 EUR
ATM Operator Fee: ~3 EUR
190.75 EUR

Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Bybit Card will cost you a total of ~9.25 EUR (4.6% of 200 EUR), resulting in a final cash withdrawal of 190.75 EUR in hand.

Doesn't Bybit Card Offer Free ATM Withdrawals?

Yes, Bybit offers free ATM withdrawals for up to 100 EUR per month, which is lower than the typical 200 EUR offered by other cards.

When they say 'free', they are only referring to their ATM Withdrawal Fee, which will be waived for the first 100 EUR withdrawn per month. In our example, if you withdraw 200 EUR, this waiver saves you 2 EUR, reducing your local ATM withdrawal cost to around 7.25 EUR, compared to the standard cost of approximately 9.25 EUR.

International non-EUR ATM Withdrawals

Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your Bybit Card, here's what it will look like:

You're at an international ATM and have:
0.062 ETH (200 EUR)
-2.3 EUR
Bybit Crypto-to-Fiat Conversion Cost: ~1.15%
-3.95 EUR
Bybit Intl ATM Withdrawal Fee: 2%
-0.99 EUR
Bybit Foreign Exchange Fee: 0.5%
-1.98 EUR
Mastercard Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-3.95 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 183.83 EUR)

For an international withdrawal using your Bybit Card with an initial 200 EUR in ETH, you'll incur fees totaling ~16.17 EUR (8.1% of 200 EUR), leaving you with 183.83 EUR in the equivalent foreign currency.

Reality CheckOverall, Bybit Card is slightly more expensive than other cards for local ATM withdrawals and slightly cheaper for international ATM withdrawals:

Cost with Bybit CardCost with Other Cards
Local ATM Withdrawals~9.2 EUR (4.6% of 200 EUR)~9 EUR (4.5% of 200 EUR)
International ATM Withdrawals~16.2 EUR (8.1% of 200 EUR)~18.2 EUR (9.1% of 200 EUR)

From all crypto cards that we reviewed, Trade Republic Card, Holyheld Card and Bit2Me Card offer the cheapest local ATM withdrawals (2.2%, 2.5% and 2.7% of 200 EUR respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 9% of 200 EUR.

We Tested Bybit's Customer Support

We asked Bybit's customer support different questions, and then rated their responses to evaluate how good their support is.

Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.

Bybit offers support via the following channels:

Web Form

Location: Bybit customer service reps are located in Singapore flagSingapore, Malaysia flagMalaysia and Vietnam flagVietnam.¹

Support Channel Our Interaction Score
(replied in
9 min)
Asked a very simple question. 11 people in the live chat queue, waited for 9 minutes. Reply was knowledgeable and to the point.
High Competence
Not Personalized
Flawless English, Professional Tone
(replied in
9 d 11 h )
Asked a question about fee reports. It took many days to receive a reply. They replied with a link to the FAQ page.
Late Reply
High Competence
Not Personalized
Flawless English, Professional Tone
Web Form
(replied in
2 h 5 min)
Didn't directly answer the question, gave a related link in which the question wasn't answered.
Low Competence
Not Personalized
Adequate English, Professional Tone
(replied in
29 min)
12 in live chat queue, replied in 29 minutes. Copy-pasted replies. Very basic knowledge, didn't know answers to simple questions. Slow, frustrating conversation.
Low Competence
Not Personalized
Adequate English, Informal Tone
(replied in
4 min)
Asked about reporting. There were 5 people in the queue. Gave good answers, linked to reports.
High Competence
Not Personalized
Adequate English, Professional Tone

To summarize,

Competence and Problem-Solving: Bybit's customer service responses are a hit or miss. Some of their agents are very competent, while others are not.

Customer Love: You will not get addressed by name and answers to your questions will be generic. Bybit's customer support agents do not make an effort to personalize their replies.

Reply Speed: Response times are inconsistent, ranging from as quick as 4 minutes to as slow as 9 days.

Overall Customer Service Rating: 5.8/10

With this score, Bybit's Customer Service is poor, comparing to other crypto cards, which score an average of 7.5/10.

Bybit Referral Code - to Get 9 EUR Bonus

You can use referral code 55224 to get 10 USDT (~9 EUR¹) bonus when you create an account on Bybit platform.

Here's how you can enter the referral code:

Bybit referral code

..or, just click here.

Your bonus will be paid out to you in USDT (Tether USDt1), right after you deposit your first 100$ worth of crypto.

p.s. Are we getting paid for referring you? Yes, and it helps us continue our mission. It's like you are buying us lunch 🍱 for all the hard work we've put into building this site. We really appreciate it. Thank you. 🙏🤗

Is Bybit Card Available for Residents of United States?

No, Bybit Card is not available for residents of United States.

Bybit Card supports the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom.

To see our list of available crypto cards for United States, see this list. There are currently 9 cards listed there.

You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.

Right. What's My Next Step?

Paulina Masson

Paulina Masson

Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.

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