Binance Card vs Bybit Card
Crypto native
Crypto native
Verdict
- Bybit Card scores higher overall (7.1 vs 4.9 out of 10).
- Binance Card is clearly stronger on: Fees, Limits & ATM, Transparency.
- Bybit Card is clearly stronger on: Cashback & rewards, Availability, FX & international, Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Binance Card is a good fit for
- Stablecoin holders
Stronger on: Fees, Limits & ATM, Transparency
Bybit Card is a good fit for
- Frequent travellers
Stronger on: Cashback & rewards, Availability, FX & international, Custody & security
Score by criterion
| Criterion | Binance Card | Bybit Card |
|---|---|---|
| Fees | 100 | 88 |
| Cashback & rewards | 8 | 48 |
| Availability | 3 | 100 |
| FX & international | 20 | 80 |
| Product features | 70 | – |
| Custody & security | 60 | 75 |
| Credit & financing | – | 30 |
| Limits & ATM | 87 | 62 |
| Transparency | 93 | 79 |
| Best for Cashback | 3.6 | 6.4 |
| Best for Travel | 4.8 | 7.4 |
| Best for DeFi Users | 5.5 | 6.3 |
| Best for Stablecoins | 5.6 | n/a |
| Best for High Spenders | 4.3 | 6.0 |
| Best for Low Fees | 7.7 | 8.1 |
| Best for Beginners | 6.3 | 7.3 |
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%
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%
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%
Custody model
Custodial*Show source
Custody model: Custodial
The provider holds the funds
Source states (paraphrased): Owner research: custodial
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
The provider holds the funds
Custodial*Show source
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 today (Fresh) · confidence 95%
The provider holds the funds
Card issuer / program manager
Harmoniie SAS, partnering with Moorwand Ltd (Mastercard licence held by Moorwand Ltd)Show source
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 today (Fresh) · confidence 95%
Fees
Annual fee
FreeShow source
Annual fee: Free
Source states (paraphrased): Annual Fee 0 BRL
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Free*Show source
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 today (Fresh) · confidence 95%
No application or annual fee; other fees such as exchange fees may apply
Physical card fee
Free*Show source
Physical card fee: Free
Issuance; 30 BRL if the physical card is cancelled within one year
Source states (paraphrased): Card Issuance Fee 0 BRL
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Issuance; 30 BRL if the physical card is cancelled within one year
€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
Replacement fee
€25Show source
Replacement fee: €25
Source states (paraphrased): If you need to replace your card, a fee of €25 applies.
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
FX fee
2%*Show source
FX fee: 2%
1–2% depending on the transaction
Source states (paraphrased): Foreign Exchange Fee 1-2%
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
1–2% depending on the transaction
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%
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
ATM fee
$1.50*Show source
ATM fee: $1.50
After 2 free withdrawals per month
Source states (paraphrased): ATM Withdrawal Fee 2 Free Monthly Withdrawals, thereafter 1.5 USD each
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
After 2 free withdrawals per month
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)
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
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
Max cashback
3%*Show source
Max cashback: 3%
Up to; paid monthly into the Binance wallet
Source states (paraphrased): Earn up to 3% cashback on all your spending.
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Up to; paid monthly into the Binance wallet
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
Cashback paid in
BNBShow source
Cashback paid in: BNB
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
Staking / holding required for top rewards
Yes*Show source
Staking / holding required for top rewards: Yes
Rate depends on BNB holdings
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
Rate depends on BNB holdings
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
Staking asset
BNBShow source
Staking asset: BNB
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
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%
Availability
Available in
Brazil*Show source
Available in: Brazil
Currently only Brazil
Source states (paraphrased): Your Binance Account country of residence must be one of the supported countries of Binance Card. Currently we support: Brazil.
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Currently only Brazil
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
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%
Features
Virtual card
YesShow source
Virtual card: Yes
Source states (paraphrased): Add your virtual card to your wallets to start spending your crypto.
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): ATM Withdrawal Fee 2 Free Monthly Withdrawals, thereafter 1.5 USD each
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source states (paraphrased): Binance Crypto Card supports the following cryptocurrencies: USDT, USDC, FDUSD, BNB, BTC, ETH, SOL, ADA, LINK, XRP, BRL, U
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Limits
Spending limit
R$25,000*Show source
Spending limit: R$25,000
Per day (50,000 BRL per month); higher with further verification
Source states (paraphrased): Spending Limit 25,000 BRL 50,000 BRL 200,000 BRL
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Per day (50,000 BRL per month); higher with further verification
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
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 today (Fresh) · confidence 95%
Annual cost at 1,500 EUR/month
Binance Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs−16 EUR
- Cashbackunknown
- Net annual valuenot enough data
Bybit Card
- Annual & monthly fees+0 EUR
- FX costs−18 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+180 EUR
- Net annual value162 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers