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Bit2Me Card vs Bybit Card

Bit2Me Card

Crypto native

5.8
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Bybit Card

Crypto native

7.2
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Verdict

  • Bybit Card scores higher overall (7.2 vs 5.8 out of 10).
  • Bit2Me Card is clearly stronger on: Limits & ATM, Transparency.
  • Bybit Card is clearly stronger on: Cashback & rewards, FX & international.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bit2Me Card is a good fit for

  • Stablecoin holders

Stronger on: Limits & ATM, Transparency

Bybit Card is a good fit for

  • Frequent travellers

Stronger on: Cashback & rewards, FX & international

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesBit2Me Card vs ether.fi CashBybit Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBit2Me CardBybit Card
Fees8988
Cashback & rewards2848
Availability–100
FX & international2080
Product features70–
Custody & security7575
Credit & financing3030
Limits & ATM8162
Transparency10086
Best for Cashback5.06.5
Best for Travel5.27.5
Best for DeFi Users5.96.3
Best for Stablecoins6.0n/a
Best for High Spenders4.76.0
Best for Low Fees7.28.2
Best for Beginners7.37.5

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
MastercardShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Card spends a linked wallet on the Bit2Me exchange

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

Card issuer / program manager

PecuniaConditions apply: tap or hover for detailsShow source

Named as Bit2Me's card provider (handles limit increase requests); exact role (issuer / program manager) not stated

Harmoniie SAS, partnering with Moorwand Ltd (Mastercard licence held by Moorwand Ltd)Show source

Tiers / plans

Space Center levels 0–7Show source
No data yet

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Page states no maintenance fees for virtual or physical cards

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
No data yet

Physical card fee

€20Conditions apply: tap or hover for detailsShow source

Levels 0–2; €10 at level 3, €5 at level 4, free from level 5; plus €5 shipping outside Spain

€5Conditions apply: tap or hover for detailsShow source

Issuance fee, payable in EUR or USDT

Virtual card fee

FreeShow source
No data yet

Replacement fee

FreeConditions apply: tap or hover for detailsShow source

Virtual card replacement only; physical card replacement fee not stated

No data yet

FX fee

2%Conditions apply: tap or hover for detailsShow source

Worldwide currencies; 1.75% for non-euro SEPA currencies, 0% in euro

0.5%Conditions apply: tap or hover for detailsShow source

Marketing pages claim 0%

Crypto conversion fee

0.95%Conditions apply: tap or hover for detailsShow source

Paying from a linked crypto wallet; 0% from the euro wallet

0.9%Conditions apply: tap or hover for detailsShow source

On top of the spot rate

ATM fee

€0.55 + 1% (min. €0.75)Conditions apply: tap or hover for detailsShow source

Outside the eurozone; domestic €0 (up to €300 free), other eurozone countries €2.50; physical card only

2% (min. $1)Conditions apply: tap or hover for detailsShow source

On monthly withdrawals above €100 (EEA)

Free ATM allowance

€300/monthShow source
€100/monthConditions apply: tap or hover for detailsShow source

EEA

Other fees & markups

Purchase refund fee 0.95% when refunded to the linked crypto wallet (0% to the euro wallet)Show source
No data yet

Cashback & rewards

Base cashback

No data yet
1%Conditions apply: tap or hover for detailsShow source

Non-VIP users, no monthly cap

Max cashback

7%Conditions apply: tap or hover for detailsShow source

Highest Space Center level; up to 39% combined with Bit2Me Earn (+7%) and Bit2Me Life merchants (+25%)

10%Conditions apply: tap or hover for detailsShow source

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

Cashback paid in

B2MShow source
No data yet

Cashback type

Platform tokenShow source
No data yet

Max cashback per month

€300/monthConditions apply: tap or hover for detailsShow source

Level 7; €7.50 at level 1, none at level 0

No data yet

Cashback conditions

Monthly cashback cap depends on the Bit2Me Space Center level (€7.50 at level 1 to €300 at level 7; none listed at level 0) · Minimum cashback €0.01 · Minimum purchase amount €0.30Conditions apply: tap or hover for detailsShow source

The minimum purchase amount is listed in the card limits table next to the minimum cashback; the page does not say whether it applies to cashback only

No data yet

Staking / holding required for top rewards

No data yet
NoConditions apply: tap or hover for detailsShow source

Tiers depend on portfolio value instead

Credit & financing

Credit line

NoShow source
NoShow source

Availability

Available in

No data yet
EEA, SwitzerlandConditions apply: tap or hover for detailsShow source

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

Not available in

No data yet
United StatesShow source

Features

Apple Pay

YesShow source
No data yet

Google Pay

YesShow source
No data yet

Physical card

YesShow source
No data yet

Virtual card

YesShow source
No data yet

ATM withdrawals

YesConditions apply: tap or hover for detailsShow source

Physical card only

No data yet

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

Card can be linked to a stablecoin wallet (Bit2Me Earn offer)

No data yet

Limits

ATM limit

€300Conditions apply: tap or hover for detailsShow source

Per day; €3,000 a month

No data yet

Spending limit

€2,500Conditions apply: tap or hover for detailsShow source

Per transaction and per day; €20,000 a month

No data yet

Security & custody

Regulation / licences

CNMV-authorised crypto-asset service provider under MiCA (Regulation (EU) 2023/1114)Conditions apply: tap or hover for detailsShow source

Applies to Bit2Me (Bitcoinforme S.L.), stated in the site footer; resolution of 28 July 2025

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

Bit2Me Card

  • Annual & monthly fees+0 EUR
  • FX costs−72 EUR
  • Crypto conversion–
  • ATM costs+0 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

More Bit2Me Card comparisons

More Bybit Card comparisons