Bybit Card vs Morse Card

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%

Product status: Active

Source: Morse — Money for who you are, not where you live

Official product page (tier 1)

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

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%

Card type: Prepaid card, Debit card

Source states (paraphrased): The Prepaid Debit Visa Card (the "Card") is issued by Lead Bank

Source: Morse Fees

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 30 October 2026 · verified today (Fresh) · confidence 85%

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%

Network: Visa

Source states (paraphrased): The Prepaid Debit Visa Card (the "Card") is issued by Lead Bank

Source: Morse — Money for who you are, not where you live

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Custody model: Custodial

The provider holds the funds

Source states (paraphrased): Owner research: custodial

Source: https://www.bybit.eu

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 6 days ago (Recently verified) · confidence 95%

Custody model: Self-custody

Source states (paraphrased): Keep full control of your wallet No one else can touch your money, not even Morse.

Source: Morse — Money for who you are, not where you live

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Card issuer / program manager: Harmoniie SAS, partnering with Moorwand Ltd (Mastercard licence held by Moorwand Ltd)

Source states (paraphrased): Your Bybit Card is issued by Harmoniie SAS, partnering with Moorwand Ltd, pursuant to a licence by Mastercard International held by Moorwand Ltd.

Source: https://www.bybit.eu/en-EU/cards/

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 6 days ago (Recently verified) · confidence 95%

Card issuer / program manager: Lead Bank; programme manager Bridge Ventures LLC

Source: Morse — Money for who you are, not where you live

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Annual fee: Free

No application or annual fee; other fees such as exchange fees may apply

Source states (paraphrased): Enjoy all the benefits of your Bybit Card with no upfront or annual fees.

Source: https://www.bybit.eu/en-EU/cards/

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 6 days ago (Recently verified) · confidence 95%

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%

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%

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%

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%

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%

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%

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%

Interest on balance: 3%

Earn Wallet; shown for US and Mexico

Source states (paraphrased): Earn 3% APY on your balance

Source: Morse Supported Countries

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 30 October 2026 · verified today (Fresh) · confidence 60%

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%

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%

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%

Available in: Global

150+ countries

Source states (paraphrased): Receive payments from the US in 150+ countries .

Source: Morse — Money for who you are, not where you live

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 60%

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%

Account / spend currencies: USD · EUR · MXN · BRL

Account details for receiving

Source states (paraphrased): Share USD, EUR, MXN, and BRL Account Details

Source: Morse — Money for who you are, not where you live

Official product page (tier 1)

Extracted from source by research agent · retrieved 30 October 2026 · verified today (Fresh) · confidence 70%

Own IBAN / bank details: Yes

Account details for receiving payments

Source states (paraphrased): Share USD, EUR, MXN, and BRL Account Details with clients and payroll platforms

Source: Morse — Money for who you are, not where you live

Official product page (tier 1)

Extracted from source by research agent · retrieved 30 October 2026 · verified today (Fresh) · confidence 50%

Apple Pay: Yes

Source states (paraphrased): Top-up and spend from your Morse balance with Apple Pay, Google Pay, or online

Source: Morse Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 30 October 2026 · verified today (Fresh) · confidence 85%

Google Pay: Yes

Source states (paraphrased): Top-up and spend from your Morse balance with Apple Pay, Google Pay, or online

Source: Morse Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 30 October 2026 · verified today (Fresh) · confidence 85%

Spendable assets: BTC · ETH · USDC · USDT

Crypto wallet deposits; spending from Morse balance

Source states (paraphrased): Add BTC, ETH, USDC, USDT, and more

Source: Morse Supported Countries

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 30 October 2026 · verified today (Fresh) · confidence 50%

Regulation / licences: Harmoniie SAS: e-money and payment services authorised by the ACPR (Banque de France), CIB 17478, passported in the EEA

Source states (paraphrased): Harmoniie SAS is authorised by the Autorité de Contrôle Prudentiel et de Résolution Banque de France (“ACPR”) (CIB Bank Code 17478) for issuance of electronic money

Source: https://www.bybit.eu/en-EU/cards/

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 6 days ago (Recently verified) · confidence 95%

Regulation / licences: US Money Services Business · MiCA CASP authorised by AFM Netherlands (41000005) · NMLS ID 2639252

Source states (paraphrased): Avian Labs is authorized as a CASP under MiCA by the Autoriteit Financiële Markten (AFM) in the Netherlands (Registration number 41000005).

Source: Morse — Money for who you are, not where you live

Official product page (tier 1)

Extracted from source by research agent · retrieved 30 October 2026 · verified today (Fresh) · confidence 90%