Bybit EU · MASTERCARD

Bybit EU Card

Name: Bybit EU Card
Brand: Bybit EU

Available

The dedicated EEA Mastercard program from Bybit's Austrian MiCA entity.

Official website ↗Compare this card →Company and locations →

Documented terms

Plan price: No annual, inactivity or cancellation fee
Issuance and shipping: First virtual and physical card free; physical replacement EUR 5
Per-purchase fee: Available fiat in the Funding Account is spent first; if it is insufficient, the selected supported crypto is automatically sold at Bybit EU's One-Click Sell quote plus the 0.9% conversion fee (EUR 1 minimum). Authorizations freeze the amount until merchant capture, which may take up to 30 days; reversals release it
FX and conversion: 0.5% FX plus Mastercard rate; crypto conversion 0.9% plus quoted sell rate if fiat is insufficient
Top-ups: No separate card wallet or balance: buy or deposit fiat/crypto into the Funding Account, and move assets from UTA or Earn there before card use. The current general FAQ lists EUR and seven crypto assets and says up to three crypto priorities can be selected; a separate transaction guide says one, so confirm the live Card Dashboard
ATM: 2% above the first EUR 100/month; ATM operator fees separate
Rewards and limits: Non-VIP: 1% uncapped cashback on eligible purchases under the current schedule; campaign rewards are excluded
Eligibility: The general FAQ names supported EEA countries and excludes Malta; confirm the applicant's residence in the live selector. Identity/address checks and issuer risk review apply
Custody: The card spends from Bybit EU's Funding Account and has no separate card wallet. Bybit EU discloses MiCAR authorization to provide crypto custody and administration, so card funds use a custodial exchange-account model; the reviewed sources do not describe separate insurance or segregation for card balances

Plans and costs

Your scenario

Monthly spendingSettlement currencyPeriodResidence

Eligible purchases, travel and other costs

Eligible spending (%)Spending in another currency (%)Merchants in another country (%)Monthly top-upMonthly ATM amountATM withdrawals per monthOther monthly costs (gas, small-purchase fees)

Estimate for 12 identical months. Monthly spending means total card purchases; eligible share affects rewards only. Network exchange rates, tax, volatility and external costs are excluded unless entered as extra costs. Unverified residence does not establish eligibility.

Non-VIP / EUR balance EUR

Existing EUR balance; no crypto sold

Net estimate unavailable

Still to verify or satisfy: Rules for this currency.

Residence eligibility still needs confirmation.

Annual fee: €0.00
Reward asset: Selected cashback token (EUR equivalent at Bybit EU's reference rate)

Bands, conditions and sources

1% · above €0.00 / eligible month

Available Rewards Points convert to the selected token through daily Auto Cashback once the 50-point minimum is met; the conversion uses Bybit EU's prevailing reference rate.

The published 1% rate is for eligible non-VIP card spending. The estimate values rewards in EUR at token conversion; the selected token may change in value afterward.
Auto Cashback requires 50 points, so low spend can delay payout. This estimate represents annual earned value at conversion, not payout timing or later token-price movement.
Insufficient fiat triggers 0.9% crypto conversion plus the quoted exchange rate. This plan models an existing EUR balance and excludes that route.
Network exchange rates and third-party ATM fees are separate.

Bybit EU: Card fees and spending limits ↗
Checked 2026-10-08
Bybit EU: Non-VIP cashback update ↗
Checked 2026-10-06
Bybit EU: FAQ — Bybit Card Rewards ↗
Checked 2026-10-06
Bybit EU: Card application eligibility ↗
Checked 2026-10-08

Sources and dates

Each source states what it documents and when it was checked. An older reference does not confirm every current cost.

Bybit EU: Introduction to Bybit Card ↗
Current Mastercard debit program, EEA eligibility boundary, virtual and physical formats, fiat-first spending, and supported crypto conversion.
Checked 2026-10-04
Bybit EU: Card fees and spending limits ↗
Current fee page: no annual fee; first virtual and physical card free until further notice; 0.5% FX, 0.9% crypto conversion with EUR 1 minimum, and 2% ATM fee after EUR 100 monthly allowance. Physical replacement is EUR 5; third-party ATM fees may apply.
Checked 2026-10-08
Bybit EU: Bybit Card cashback update ↗
Current non-VIP uncapped 1% cashback update and separation from VIP reward tiers.
Checked 2026-10-04
Bybit EU: Card application eligibility ↗
Current FAQ names supported EEA countries, excludes Malta, requires identity checks, and reserves issuer risk review. It also says the card has no separate wallet, uses the Funding Account, supports EUR and listed crypto, and allows up to three crypto priorities; a separate current transaction guide says one, so confirm the live dashboard.
Checked 2026-10-08
Bybit EU: How to apply for Bybit Card ↗
The 2 October 2026 guide says issuance is limited to supported residence choices in the application flow and may require identity/address verification and issuer review.
Checked 2026-10-06
Bybit EU: How Bybit Card Transactions Work ↗
Current transaction guide: available fiat is spent first; when it is insufficient, selected crypto is converted at the One-Click Sell rate plus the card conversion fee. Authorizations freeze Funding Account funds until merchant capture (up to 30 days), while reversals release the frozen funds. The guide says users can select one crypto; another current FAQ says up to three.
Checked 2026-10-08
Bybit EU: Non-VIP cashback update ↗
1% uncapped eligible cashback for non-VIP; all older application-date cutoffs have passed. Campaign rewards excluded.
Checked 2026-10-06
Bybit EU: Disclosure of Conflicts of Interest ↗
Bybit EU GmbH's 18 May 2026 disclosure states that the MiCAR-authorized entity may provide custody and administration of crypto-assets. Combined with the card FAQ's Funding Account model, this supports a custodial exchange-account classification; it does not establish card-balance insurance or separate segregation.
Checked 2026-10-08
Bybit EU: FAQ — Bybit Card Rewards ↗
Rewards Points convert through Auto Cashback at 0.002 EUR per point into a selected token at Bybit EU's prevailing reference rate; a 50-point minimum applies and conversions run daily. Older tier-limit text predates the newer flat non-VIP cashback schedule.
Checked 2026-10-06

Other products to research

Bybit Card →Kraken / Krak Card →KuCard →Crypto.com Visa →

Guides to costs, cashback and custody →

Documented terms

Plan price

No annual, inactivity or cancellation fee

Issuance and shipping

First virtual and physical card free; physical replacement EUR 5

Per-purchase fee

Available fiat in the Funding Account is spent first; if it is insufficient, the selected supported crypto is automatically sold at Bybit EU's One-Click Sell quote plus the 0.9% conversion fee (EUR 1 minimum). Authorizations freeze the amount until merchant capture, which may take up to 30 days; reversals release it

FX and conversion

0.5% FX plus Mastercard rate; crypto conversion 0.9% plus quoted sell rate if fiat is insufficient

Top-ups

No separate card wallet or balance: buy or deposit fiat/crypto into the Funding Account, and move assets from UTA or Earn there before card use. The current general FAQ lists EUR and seven crypto assets and says up to three crypto priorities can be selected; a separate transaction guide says one, so confirm the live Card Dashboard

ATM

2% above the first EUR 100/month; ATM operator fees separate

Rewards and limits

Non-VIP: 1% uncapped cashback on eligible purchases under the current schedule; campaign rewards are excluded

Eligibility

The general FAQ names supported EEA countries and excludes Malta; confirm the applicant's residence in the live selector. Identity/address checks and issuer risk review apply

Custody

The card spends from Bybit EU's Funding Account and has no separate card wallet. Bybit EU discloses MiCAR authorization to provide crypto custody and administration, so card funds use a custodial exchange-account model; the reviewed sources do not describe separate insurance or segregation for card balances

Plans and costs

Your scenario

Monthly spendingSettlement currencyPeriodResidence

Eligible purchases, travel and other costs

Eligible spending (%)Spending in another currency (%)Merchants in another country (%)Monthly top-upMonthly ATM amountATM withdrawals per monthOther monthly costs (gas, small-purchase fees)

Non-VIP / EUR balance EUR

Existing EUR balance; no crypto sold

Net estimate unavailable

Still to verify or satisfy: Rules for this currency.

Residence eligibility still needs confirmation.

Annual fee: €0.00
Reward asset: Selected cashback token (EUR equivalent at Bybit EU's reference rate)

Bands, conditions and sources

1% · above €0.00 / eligible month

Available Rewards Points convert to the selected token through daily Auto Cashback once the 50-point minimum is met; the conversion uses Bybit EU's prevailing reference rate.

The published 1% rate is for eligible non-VIP card spending. The estimate values rewards in EUR at token conversion; the selected token may change in value afterward.
Auto Cashback requires 50 points, so low spend can delay payout. This estimate represents annual earned value at conversion, not payout timing or later token-price movement.
Insufficient fiat triggers 0.9% crypto conversion plus the quoted exchange rate. This plan models an existing EUR balance and excludes that route.
Network exchange rates and third-party ATM fees are separate.

Bybit EU: Card fees and spending limits ↗
Checked 2026-10-08
Bybit EU: Non-VIP cashback update ↗
Checked 2026-10-06
Bybit EU: FAQ — Bybit Card Rewards ↗
Checked 2026-10-06
Bybit EU: Card application eligibility ↗
Checked 2026-10-08

Sources and dates

Each source states what it documents and when it was checked. An older reference does not confirm every current cost.

Bybit EU: Introduction to Bybit Card ↗

Current Mastercard debit program, EEA eligibility boundary, virtual and physical formats, fiat-first spending, and supported crypto conversion.

Checked 2026-10-04

Bybit EU: Card fees and spending limits ↗

Current fee page: no annual fee; first virtual and physical card free until further notice; 0.5% FX, 0.9% crypto conversion with EUR 1 minimum, and 2% ATM fee after EUR 100 monthly allowance. Physical replacement is EUR 5; third-party ATM fees may apply.

Checked 2026-10-08

Bybit EU: Bybit Card cashback update ↗

Current non-VIP uncapped 1% cashback update and separation from VIP reward tiers.

Checked 2026-10-04

Bybit EU: Card application eligibility ↗

Current FAQ names supported EEA countries, excludes Malta, requires identity checks, and reserves issuer risk review. It also says the card has no separate wallet, uses the Funding Account, supports EUR and listed crypto, and allows up to three crypto priorities; a separate current transaction guide says one, so confirm the live dashboard.

Checked 2026-10-08

Bybit EU: How to apply for Bybit Card ↗

The 2 October 2026 guide says issuance is limited to supported residence choices in the application flow and may require identity/address verification and issuer review.

Checked 2026-10-06

Bybit EU: How Bybit Card Transactions Work ↗

Current transaction guide: available fiat is spent first; when it is insufficient, selected crypto is converted at the One-Click Sell rate plus the card conversion fee. Authorizations freeze Funding Account funds until merchant capture (up to 30 days), while reversals release the frozen funds. The guide says users can select one crypto; another current FAQ says up to three.

Checked 2026-10-08

Bybit EU: Non-VIP cashback update ↗

1% uncapped eligible cashback for non-VIP; all older application-date cutoffs have passed. Campaign rewards excluded.

Checked 2026-10-06

Bybit EU: Disclosure of Conflicts of Interest ↗

Bybit EU GmbH's 18 May 2026 disclosure states that the MiCAR-authorized entity may provide custody and administration of crypto-assets. Combined with the card FAQ's Funding Account model, this supports a custodial exchange-account classification; it does not establish card-balance insurance or separate segregation.

Checked 2026-10-08

Bybit EU: FAQ — Bybit Card Rewards ↗

Rewards Points convert through Auto Cashback at 0.002 EUR per point into a selected token at Bybit EU's prevailing reference rate; a 50-point minimum applies and conversions run daily. Older tier-limit text predates the newer flat non-VIP cashback schedule.

Checked 2026-10-06