Card to the Future
Illustration in the plan's colour, not the issuer's artwork

Bybit Card

MastercardCustodialKYC fulldebit

Bybit Card spends the crypto in your Bybit Funding Account and converts it at payment for 0.9%. It runs as two separate programmes: a Bybit EU card for the EEA and Switzerland (1% cashback, 0.5% FX) and a global card for other regions (2% cashback capped at $5 a month at the base tier, 2% FX).

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53Card Score, #19 of 36
$0You keep a year
D49Trust points of 100
89%Key fields with a source

Plans side by side

EU Card (Bybit EU, EEA and Switzerland)
Global Card (non-EEA regions)
Price
Monthly priceFree2No annual, inactivity or cancellation feeFree1No annual or inactivity fee
Yearly priceFree2Free1
Virtual card feeFree2No fee until further noticeFree1No fee until further notice
Physical card feeFree2First issuance free; replacement 5 EUR$515 USDT in Asia Pacific and Kazakhstan (AIFC); 29.99 USD in Australia; 29.99 USDT in Georgia; 5 USD/USDT in Argentina; free in Brazil and Mexico. VIPs holding an Australia, Kazakhstan, Georgia or Asia Pacific physical card pay nothing
Replacement€52Physical card, EUR$51Same fee as issuance, by region (29.99 in Australia and Georgia)
Staking needed0403
Other requirementsNone for the base rate; cashback tiers above 1% need Bybit VIP status4None for the base rate; cashback tiers above 2% need Bybit VIP status or monthly spending3
Rewards
Cashback1%4Non-VIP base rate under the new mechanism, applied to cards approved after Jun-15, 2026 and to all cards from Aug-04, 2026. VIP 1 to Supreme earn 2% to 10%2%3Tier 1 (Base) for non-VIP users. Spending $500 a month unlocks Tier 2 (2%, higher cap); $3,500 unlocks 4%; $9,500 unlocks 6%; $12,500 unlocks 8%; $25,000 unlocks 10%. VIP users start at the tier of their VIP level
Paid inUSDT-equivalent value via Auto Cashback; EUR value of points is 0.002 per point4Payout currency is selectable by the user; paid into the Funding AccountUSDT3Auto Cashback converts points to USDT in the Funding Account, minimum 50 points
Cashback cap a month—$53USD at Tier 1 (2,500 points). Tier 2: 50; Tier 3: 150; Tier 4: 250; Tier 5: 400; Tier 6: 600
Earns onCard purchases; the EU page does not restrict to crypto-funded spend4The crypto-only rule dated Oct-05, 2026 appears on the global rewards page, not on the Bybit EU page we readTransactions funded with cryptocurrency only3From Oct-05, 2026, 10:00 UTC; spending from a fiat balance earns nothing. Cashback counts when the merchant posts the transaction
No cashback onFees, Refunded or reversed transactions, ATM withdrawals, Prepaid card and account top-ups (MCC 6,540, 6,012, 6,011, 6,555), Foreign currency, money orders, account funding (MCC 6,051), Money transfer (4,829), Security brokers (6,211), Betting and casino (7,995), E-wallet personal transfers (7,299), Third-party reassignment such as Curve ReFi4Fees, Refunds and reversals, ATM withdrawals, Fiat-funded transactions3
VestingPoints pending 4 calendar days, then available; no point expiry4Points pending 4 calendar days, then available3
PointsRewards Points, 500 points = 1 EUR4Redeemable at Rewards Market or auto-converted to cashbackRewards Points shared between Bybit Card and Bybit Pay, 500 points = 1 USD3Cashback is points multiplied by 0.002 USDT
Perks100% rebate in points on selected subscriptions (TradingView monthly, ChatGPT and others) for VIP users at Tier 2 and above4100% rebate in points on ChatGPT Plus, Claude Pro, Netflix, Spotify, TradingView, Financial Times, Shahid and iQIYI for VIP users and non-VIP users at Tier 3 or above, Extra 1% cashback when a purchase is converted to a Pay Later instalment3
Fees
FX fee0.5%2On top of Mastercard's rate, on payments in a currency other than EUR. Cryptonoshi (Apr-18, 2025) also listed 0.5%2%1On top of Mastercard/Visa rate, in Australia, Asia Pacific, Georgia, Mexico; Kazakhstan (AIFC) charges a 2% international fee on cross-border purchases instead. Brazil 1.5%, Argentina 7%, Peru 1%
Crypto conversion fee0.9%2On top of Bybit EU's One-Click Sell rate, on any payment funded with crypto; minimum conversion 1 EUR/USD0.9%1On top of Bybit's One-Click Sell rate; 0.5% in Argentina; not supported in Peru; minimum conversion 1 USD
Top-up fee0%5The card has no wallet of its own; it draws on the Funding Account and Flexible Easy Earn balance0%5No wallet of its own; draws on the Funding Account and Flexible Easy Earn balance
Free ATM a month€1002EUR per month$1001USD per month (95,000 ARS, 550 BRL, 100 USD/1,800 MXN elsewhere)
ATM fee2%2After the first 100 EUR each month2%1After the free monthly amount; Brazil 2%, Argentina 2%
Inactivity feeFree2Free1
Limits
Limit per payment€5,0002EUR at Tier 1; 10,000 at Tier 2; 15,000 at Tier 3$10,0001USD, Asia Pacific. Australia 50,000; Kazakhstan 9,000; Argentina 1,000; no per-transaction limit stated elsewhere
Spend limit a day€5,0002EUR at Tier 1; 10,000 at Tier 2; 15,000 at Tier 3$10,0001USD, Asia Pacific Tier 1; 50,000 at Tier 2; 100,000 at Tier 3
Spend limit a month€10,0002EUR at Tier 1; 25,000 at Tier 2; 50,000 at Tier 3. Limit upgrades by request, review up to 7 business days$50,0001USD, Asia Pacific Tier 1; 150,000 at Tier 2; 350,000 at Tier 3
Spend limit a year€60,0002EUR at Tier 1; 125,000 at Tier 2; 250,000 at Tier 3$150,0001USD, Asia Pacific Tier 1; 500,000 at Tier 2; 900,000 at Tier 3
ATM limit a day€2,0002EUR, all limit tiers$3,0001USD, Asia Pacific Level 2 and 3. Australia 5,000; Kazakhstan and Georgia 1,000; Level 1 cards have no ATM access
ATM limit a month€2,0002EUR at Tier 1; 5,000 at Tier 2; 10,000 at Tier 3$10,0001USD, Asia Pacific, Kazakhstan, Georgia; Australia Level 2 15,000

Real payments

Conversion spread paidCryptonoshiSell spread about 0.25% on top of the 0.9% conversion fee, EU card, Apr-2025 review8

What someone actually paid, which can differ from the advertised fee. Each test is one payment or a few, so treat it as a signal.

What you keep

Rewards you can spend+$120
FX fee on foreign spend−$12
Fees on every purchase−$108
Net a year, EU Card (Bybit EU, EEA and Switzerland) plan$0

$1,000 a month, 20% in a foreign currency, no staking. Change

Trust

Licence and regulator10 of 25

Bybit EU GmbH holds an Austrian MiCAR crypto licence and Bybit Payments GmbH an Austrian e-money licence from Aug-04, 2026, but the release ties card services to the future and no card issuer is confirmed by Bybit. Global cards have no licence we could verify.7

Custody and fund protection8 of 20

Custodial: the card has no wallet and spends the user's exchange Funding Account. No segregation or protection scheme is stated on the pages read.5

Incidents in the last 24 months9 of 20

Bybit lost about 1.5 billion USD in a Feb-2025 hack and said it covered the loss. Users also report blocked cards.10,11

Track record and verified volume11 of 15

Card live since about Aug-2023 on a large exchange. Card volume is not published.8,9

Published fees and terms7 of 10

Detailed per-region fee, limit and cashback pages with update dates, but the issuer is not named and the EU and global rules differ.1,2

Support and user sentiment4 of 10

A review found replies from 4 minutes to 9 days with an average score of 5.8 out of 10; the study dates from Apr-2025.8

Company

Legal entityBybit EU GmbH (crypto services, MiCAR) and Bybit Payments GmbH (e-money licence), both Austria, for the EU programme; Bybit Fintech Limited publishes the global app7,9Entity behind the global card is not named on the pages we read
HeadquartersAustria (EU programme)7Global group is headquartered in Dubai per press; not confirmed in sources read
Websitebybit.com1

Issuer and licence

Card issuerEEA and Switzerland: Moorwand Ltd (UK) and Harmoniie SAS, per third parties; other regions vary8Not confirmed by Bybit's terms, which we could not read. Cryptonoshi (Apr-18, 2025) saw Moorwand and Malta on an EU card. Unverified reports name Bybit Limited (Kazakhstan, BIN 53,787,211) and HDBank (Vietnam, BIN 536,708) for global cards
Program managerBybit5Bybit runs the programme; Bybit Payments GmbH's EMI licence is for 'future card initiatives' per its own release
LicencesBybit EU GmbH: MiCAR crypto-asset service provider, Austria, since May 2025, Bybit Payments GmbH: Electronic Money Institution, Austria (FMA), granted Aug-04, 20267The release says card services come later; the licensed entity is not yet named as the card issuer
RegulatorFinancial Market Authority (FMA), Austria7Applies to the EU entities only
NetworkMastercard2,5EU card Mastercard. Global: Mastercard in Australia, Georgia, Kazakhstan, AIFC, Mexico, Argentina; Visa in Asia Pacific, Brazil, Peru

The card

Statuslive1,2
Launched2023-088Per Cryptonoshi (Apr-18, 2025); Bybit's own pages give no launch date
Typedebit8Spends from your Funding Account. Bybit's FAQ labels cards by region as Mastercard credit or prepaid, or Visa credit or prepaid
FormsVirtualPhysical1,5Virtual first; a physical card needs a virtual card first. Peru has no physical card
Custodycustodial5Card has no wallet; it spends the Bybit Funding Account and Flexible Easy Earn balance
How custody worksFunds stay on the Bybit exchange account; crypto is sold to the card currency at payment5,6
KYCfull8Identity verification required before issuing
Settles inEUR (EU card); USD, ARS, BRL, MXN or PEN by region (global card)2,5
Card currenciesEURUSDARSBRLMXNPEN2,5

Funding

Crypto acceptedUSDTUSDCBTCETHMNTGRAMXRP6Default spending priority; up to 3 assets selectable, fiat spending can be switched on. The global FAQ (Sep-03, 2026) omits MNT; the newer consult page includes it
Fiat top-upBuy Crypto5
Deposit feesNo top-up fee; funds come from the Funding Account5
Spends fromFunding Account and Flexible Easy Earn balance, fiat first when switched on, then crypto by priority5,6

Payments

Apple Pay5The EU page we read does not list wallets; Cryptonoshi (Apr-18, 2025) said Apple Pay worked on the EU card
Google Pay5
Samsung Pay5
Online subscriptionsWorks for selected subscriptions with a points rebate; some merchants reject virtual or prepaid cards3
Blocked merchantsCashback excluded on prepaid top-ups, money transfer, securities brokers, betting and casino4These are cashback exclusions, not payment blocks

Where it works

RegionsEurope (EEA)Asia-PacificAustralia and New ZealandLatin America1,2
United States8Cryptonoshi (Apr-18, 2025); the US is not in Bybit's fee-page regions
EEA2

Account

IBANNo8Cryptonoshi (Apr-18, 2025): no bank account offered
OtherPay Later instalments on card purchases3

Security

Freeze card8Virtual card can be frozen (Cryptonoshi, Apr-18, 2025)

App

App Store rating4.79Rating of the main Bybit app, US store, 4.69
App Store ratings46,9259
App StoreOpen in App Store9
Web app6Card dashboard on the website
SupportLive chatEmailWeb form8Cryptonoshi (Apr-18, 2025) tested all three; replies took from 4 minutes to 9 days

Reputation

Common complaintsCards blocked and questionnaires sent about subscription payments, Slow and inconsistent customer support, Cashback cut for ordinary users (base rate 1% in the EU, 2% capped at $5 abroad)8,11Block reports are user reports in the Finek chat, unverified
Common praiseLow 0.5% FX fee on the EU card, Large ATM allowance, Works with Apple Pay in many regions2,5

Incidents and changes

Oct 2026From Oct-05, 2026 only crypto-funded transactions earn Bybit Card points or cashback on the global site; fiat-funded spend earns nothing.3fee change
Jun 2026Bybit EU moved the card to a new cashback mechanism: 1% with no cap for non-VIP users, tiers 2% to 10% for VIP only; cards approved before Jun-03, 2026 moved on Aug-04, 2026.4fee change
Oct 2025A user reported a Bybit card blocked, then asked to explain why a charge was attempted, despite visible subscription attempts.11freeze
Feb 2025Bybit lost about 1.5 billion USD of ETH from a cold wallet in a hack attributed to North Korea's Lazarus Group; the exchange said it covered the loss and stayed solvent.10hack

Regional differences

Australiaspend limit monthly: 150,0001
Georgiaspend limit monthly: 65,0001
Kazakhstan (AIFC)spend limit monthly: 65,0001
Argentinafx fee: 71
Argentinacrypto conversion fee: 0.51
Brazilfx fee: 1.51

More details

Cashback by VIP levelVIP 1-2: 2% (cap $50); VIP 3: 4% ($150); VIP 4: 6% ($250); VIP 5: 8% ($400); Supreme VIP and Pro 3-5: 10% ($600). EU tiers cap in EUR; tier benefits need VIP status3,4
Pay Later bonusExtra 1% cashback on crypto-funded purchases converted to instalments, separate monthly cap ($5 at Tier 1 up to $500 at Tier 6)3
Two card programmesEU cards (Bybit EU) and global cards have different fees, cashback and issuers; pick by country of residence1,2
Card validity3 years in AIFC, Georgia, Kazakhstan, Asia Pacific, Australia; 5 to 6 years in Argentina, Brazil, Mexico, Peru5
Local taxesArgentine cards carry 21% VAT on digital services and 30% income tax on foreign payments; Brazil also taxes5

Quick answers

What does the Bybit Card cost?

The EU Card (Bybit EU, EEA and Switzerland) plan: Free a month, Free for a physical card.

How much cashback does the Bybit Card pay?

1% on the EU Card (Bybit EU, EEA and Switzerland) plan, paid in USDT-equivalent value via Auto Cashback; EUR value of points is 0.002 per point.

What is the Bybit Card FX fee?

0.5% on the EU Card (Bybit EU, EEA and Switzerland) plan.

Is the Bybit Card custodial?

Custodial. Funds stay on the Bybit exchange account; crypto is sold to the card currency at payment

Is the Bybit Card available in the US, the UK and the EEA?

US: no. UK: not stated. EEA: yes.

How much do you keep with the Bybit Card?

$0 a year on the EU Card (Bybit EU, EEA and Switzerland) plan at $1,000 a month with 20% in a foreign currency, after every fee.

Sources

  1. Fees and Limits (Bybit Card), global site, updated Sep-10, 2026, issuer, Nov-05, 2026
  2. Fees and Limits (Bybit Card), Bybit EU site, updated Oct-08, 2026, issuer, Nov-05, 2026
  3. Introduction to Bybit Card Rewards, global site, updated Oct-30, 2026, issuer, Nov-05, 2026
  4. Introduction to Bybit Card Rewards, Bybit EU site, updated Aug-18, 2026, issuer, Nov-05, 2026
  5. FAQ, Bybit Card General Inquiries, updated Sep-03, 2026, issuer, Nov-05, 2026
  6. How to consult your Bybit Card and spending information, updated Oct-22, 2026, issuer, Nov-05, 2026
  7. Bybit.eu press release: Bybit Payments GmbH secures EMI licence, Aug-04, 2026, press, Nov-05, 2026
  8. Cryptonoshi review of Bybit Card (Last Updated Apr-18, 2025), review, Nov-05, 2026
  9. Bybit: New Financial Platform, App Store (US), app store, Nov-05, 2026
  10. FBI: Lazarus Group behind $1.5 billion Bybit heist, press, Nov-05, 2026
  11. Finek chat, user report, Oct-12, 2026, community, Nov-05, 2026

Something wrong or out of date? Report it with a source.