Bybit Card vs wavecard
Crypto native
Crypto native
Verdict
- wavecard scores higher overall (7.8 vs 7.2 out of 10).
- Bybit Card is clearly stronger on: Custody & security, Limits & ATM.
- wavecard is clearly stronger on: Cashback & rewards, FX & international, Transparency.
- For 1,500 EUR/month of spend, wavecard comes out about 318 EUR a year ahead on base-tier terms.
Bybit Card is a good fit for
- Frequent travellers
Stronger on: Custody & security, Limits & ATM
wavecard is a good fit for
- Everyday spenders who want cashback
- Frequent travellers
Stronger on: Cashback & rewards, FX & international, Transparency
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Bybit Card | wavecard |
|---|---|---|
| Fees | 88 | 87 |
| Cashback & rewards | 48 | 75 |
| Availability | 100 | 100 |
| FX & international | 80 | 100 |
| Product features | – | 56 |
| Custody & security | 75 | 60 |
| Credit & financing | 30 | – |
| Limits & ATM | 62 | 20 |
| Transparency | 86 | 100 |
| Best for Cashback | 6.5 | 7.7 |
| Best for Travel | 7.5 | 7.9 |
| Best for DeFi Users | 6.3 | 6.9 |
| Best for High Spenders | 6.0 | 7.3 |
| Best for Low Fees | 8.2 | 8.2 |
| Best for Beginners | 7.5 | 8.0 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit cardShow source
Debit cardShow source
Network
MastercardShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
CustodialConditions apply: tap or hover for detailsShow source
Card funded from the user's Wave Space Crypto account held via partner Lightspark
Card issuer / program manager
Harmoniie SAS, partnering with Moorwand Ltd (Mastercard licence held by Moorwand Ltd)Show source
Lightspark Payments Europe AS (partner for financial services); Wave Space acts as distributorConditions apply: tap or hover for detailsShow source
Card issued via white-label arrangement with a third-party provider
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
No application or annual fee; other fees such as exchange fees may apply
Monthly fee
FreeShow source
Physical card fee
€5Conditions apply: tap or hover for detailsShow source
Issuance fee, payable in EUR or USDT
€29.99Conditions apply: tap or hover for detailsShow source
Tracked delivery free; express delivery €30
Virtual card fee
€2.99Show source
FX fee
0.5%Conditions apply: tap or hover for detailsShow source
Marketing pages claim 0%
0%Show source
Crypto conversion fee
0.9%Conditions apply: tap or hover for detailsShow source
On top of the spot rate
1%Conditions apply: tap or hover for detailsShow source
Fee on card payments
ATM fee
2% (min. $1)Conditions apply: tap or hover for detailsShow source
On monthly withdrawals above €100 (EEA)
€2 + 3%Show source
Free ATM allowance
€100/monthConditions apply: tap or hover for detailsShow source
EEA
Other fees & markups
€30 express delivery for physical card · Network withdrawal fees on crypto withdrawals (may differ from actual network fee) · Possible maintenance fee for accounts inactive 365 daysShow source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Non-VIP users, no monthly cap
3%Conditions apply: tap or hover for detailsShow source
Up to 21,000 sats in total
Max cashback
10%Conditions apply: tap or hover for detailsShow source
Up to; marketing claim, tier based on total Bybit portfolio value
Cashback paid in
BTCShow source
Cashback type
CryptoShow source
Staking / holding required for top rewards
NoConditions apply: tap or hover for detailsShow source
Tiers depend on portfolio value instead
Credit & financing
Credit line
NoShow source
Availability
Available in
EEA, SwitzerlandConditions apply: tap or hover for detailsShow source
Select EEA countries; Bybit pages conflict on which EEA countries are excluded
EEAConditions apply: tap or hover for detailsShow source
Residents 18+
Not available in
United StatesShow source
Own IBAN / bank details
YesShow source
Features
Apple Pay
NoConditions apply: tap or hover for detailsShow source
Only via the Curve app; direct Apple Pay support coming soon
Google Pay
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
Spendable assets
BTCConditions apply: tap or hover for detailsShow source
Bitcoin-only
Blockchains
Bitcoin · LightningShow source
Limits
ATM limit
€350Conditions apply: tap or hover for detailsShow source
Daily; monthly €3,000
Spending limit
€10,000Conditions apply: tap or hover for detailsShow source
Daily and monthly; monthly up to €15,000 with Tier 2 KYC
Security & custody
Regulation / licences
Harmoniie SAS: e-money and payment services authorised by the ACPR (Banque de France), CIB 17478, passported in the EEAShow source
Annual cost at 1,500 EUR/month
Bybit Card
- Annual & monthly fees+0 EUR
- FX costs−18 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+180 EUR
- Net annual value162 EUR
wavecard
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−60 EUR
- Cashback+540 EUR
- Net annual value480 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers