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Bybit Card vs Gnosis Pay

Bybit Card

Crypto native

6.6
Get the card
Gnosis Pay

Crypto native

–
Get the card

Verdict

  • At least one of the two cards does not have enough published data for an overall score.
  • Bybit Card is clearly stronger on: Availability.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bybit Card is a good fit for

  • Frequent travellers

Stronger on: Availability

Gnosis Pay is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders

Score by criterion

CriterionBybit CardGnosis Pay
Fees76–
Cashback & rewards48–
Availability1000
FX & international80–
Product features––
Custody & security–80
Credit & financing3030
Limits & ATM62–
Transparency7986
Best for Cashback6.1n/a
Best for Travel7.2n/a
Best for Self-Custodyn/a6.5
Best for DeFi Users5.35.8
Best for High Spenders5.8n/a
Best for Low Fees7.6n/a
Best for Beginners6.8n/a

Product

Product status

ActiveShow source

Product status: Active

Source: How to get started with Bybit Card on Bybit EU

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Closing — discontinuation announced*Show source

Product status: Closing — discontinuation announced

Card stops working 23:59 UTC, 20 December 2026; support ends 18 June 2027

Source states (paraphrased): Your Gnosis Pay card stops working at 23:59 UTC, 20 December 2026.

Source: Formal notice — closure of the Gnosis Pay web app and card (21 September 2026)

Official terms & conditions (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 70%

Card stops working 23:59 UTC, 20 December 2026; support ends 18 June 2027

Card type

Debit cardShow source

Card type: Debit card

Source: Bybit Crypto Debit Card: How It Works

Official announcement (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Debit cardShow source

Card type: Debit card

Source: Gnosis Pay Documentation

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Network

MastercardShow source

Network: Mastercard

Source: Bybit Crypto Debit Card: How It Works

Official announcement (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

VisaShow source

Network: Visa

Source states (paraphrased): Spend at Visa merchants wherever Visa is accepted.

Source: Gnosis Pay Documentation

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Custody model

No data yet
Self-custodyShow source

Custody model: Self-custody

Source states (paraphrased): Card runs on a self-custodial Safe on Gnosis Chain; funds cannot be frozen or seized by Gnosis Pay.

Source: Why Gnosis Pay Creates a New SAFE Wallet For You

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Card issuer / program manager

No data yet
Monavate*Show source

Card issuer / program manager: Monavate

Named as card partner in the closure notice

Source: Formal notice — closure of the Gnosis Pay web app and card (21 September 2026)

Official terms & conditions (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Named as card partner in the closure notice

Fees

Physical card fee

€5*Show source

Physical card fee: €5

Issuance fee, payable in EUR or USDT

Source states (paraphrased): 5 EUR/USDT issuance fee for the Bybit Physical Card.

Source: How to Order and Activate Your Bybit Card

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Issuance fee, payable in EUR or USDT

No data yet

FX fee

0.5%*Show source

FX fee: 0.5%

Marketing pages claim 0%

Source states (paraphrased): Foreign exchange fees of 0.5%.

Source: How to Order and Activate Your Bybit Card

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%

Marketing pages claim 0%

No data yet

Crypto conversion fee

0.9%*Show source

Crypto conversion fee: 0.9%

On top of the spot rate

Source states (paraphrased): Crypto conversion fee of 0.9% on top of the spot rate.

Source: How to Order and Activate Your Bybit Card

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%

On top of the spot rate

No data yet

ATM fee

2% (min. $1)*Show source

ATM fee: 2% (min. $1)

On monthly withdrawals above €100 (EEA)

Source: How to Order and Activate Your Bybit Card

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

On monthly withdrawals above €100 (EEA)

No data yet

Free ATM allowance

€100/month*Show source

Free ATM allowance: €100/month

EEA

Source states (paraphrased): 2% ATM fee applies only to monthly amounts above 100 EUR in the EEA.

Source: How to Order and Activate Your Bybit Card

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

EEA

No data yet

Cashback & rewards

Base cashback

1%*Show source

Base cashback: 1%

Non-VIP users, no monthly cap

Source states (paraphrased): Non-VIP users earn 1% flat cashback on all eligible transactions, no monthly cap.

Source: How to get started with Bybit Card on Bybit EU

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Non-VIP users, no monthly cap

No data yet

Max cashback

10%*Show source

Max cashback: 10%

Up to; marketing claim, tier based on total Bybit portfolio value

Source: Bybit Card Countries: Availability 2026

Official announcement (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 40%

Up to; marketing claim, tier based on total Bybit portfolio value

No data yet

Staking / holding required for top rewards

No*Show source

Staking / holding required for top rewards: No

Tiers depend on portfolio value instead

Source states (paraphrased): Cashback tiers based on total Bybit portfolio value with no staking or lock-up requirement.

Source: Bybit Card Countries: Availability 2026

Official announcement (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%

Tiers depend on portfolio value instead

No data yet

Credit & financing

Credit line

NoShow source

Credit line: No

Source: Bybit Crypto Debit Card: How It Works

Official announcement (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

NoShow source

Credit line: No

Source: Gnosis Pay Documentation

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Spend own balance directly

No data yet
YesShow source

Spend own balance directly: Yes

Source: Gnosis Pay Documentation

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Availability

Available in

EEA, Switzerland*Show source

Available in: EEA, Switzerland

Select EEA countries; Bybit pages conflict on which EEA countries are excluded

Source: How to get started with Bybit Card on Bybit EU

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 40%

Select EEA countries; Bybit pages conflict on which EEA countries are excluded

No data yet

Not available in

United StatesShow source

Not available in: United States

Source: Bybit Card Countries: Availability 2026

Official announcement (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

No data yet

Features

Spend stablecoins

No data yet
YesShow source

Spend stablecoins: Yes

Source: Gnosis Pay Documentation

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Blockchains

No data yet
Gnosis ChainShow source

Blockchains: Gnosis Chain

Source: Why Gnosis Pay Creates a New SAFE Wallet For You

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Annual cost at 1,500 EUR/month

Bybit Card

  • Annual & monthly feesunknown
  • FX costs−18 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+180 EUR
  • Net annual valuenot enough data

Gnosis Pay

  • Annual & monthly feesunknown
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Bybit Card comparisons

More Gnosis Pay comparisons