Bitwala Card vs Bybit Card
Crypto native
Crypto native
Verdict
- Bybit Card scores higher overall (7.2 vs 7.0 out of 10).
- Bitwala Card is clearly stronger on: Transparency.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bitwala Card is a good fit for
- Stablecoin holders
Stronger on: Transparency
Bybit Card is a good fit for
- Frequent travellers
★ 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 | Bitwala Card | Bybit Card |
|---|---|---|
| Fees | 88 | 88 |
| Cashback & rewards | – | 48 |
| Availability | 100 | 100 |
| FX & international | – | 80 |
| Product features | 58 | – |
| Custody & security | 70 | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 60 | 62 |
| Transparency | 100 | 86 |
| Best for Cashback | n/a | 6.5 |
| Best for Travel | 6.6 | 7.5 |
| Best for DeFi Users | 6.2 | 6.3 |
| Best for Stablecoins | 6.8 | n/a |
| Best for High Spenders | n/a | 6.0 |
| Best for Low Fees | 7.6 | 8.2 |
| Best for Beginners | 7.9 | 7.5 |
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
VisaShow source
MastercardShow source
Custody model
HybridConditions apply: tap or hover for detailsShow source
Self-custodial crypto wallet; euros held in the Bitwala account
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Card issuer / program manager
Harmoniie SAS, partnering with Moorwand Ltd (Mastercard licence held by Moorwand Ltd)Show source
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
€9.99Conditions apply: tap or hover for detailsShow source
Plus shipping
€5Conditions apply: tap or hover for detailsShow source
Issuance fee, payable in EUR or USDT
Virtual card fee
€0.99Show source
FX fee
0.5%Conditions apply: tap or hover for detailsShow source
Marketing pages claim 0%
Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Plus €0.20 per crypto payment; euro payments free
0.9%Conditions apply: tap or hover for detailsShow source
On top of the spot rate
ATM fee
€2 + 1%Show source
2% (min. $1)Conditions apply: tap or hover for detailsShow source
On monthly withdrawals above €100 (EEA)
Free ATM allowance
€100/monthConditions apply: tap or hover for detailsShow source
EEA
Other fees & markups
Crypto payments €0.20 + 1% per transactionShow source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Non-VIP users, no monthly cap
Max cashback
10%Conditions apply: tap or hover for detailsShow source
Up to; marketing claim, tier based on total Bybit portfolio value
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
NoShow source
Availability
Available in
EEAShow source
EEA, SwitzerlandConditions apply: tap or hover for detailsShow source
Select EEA countries; Bybit pages conflict on which EEA countries are excluded
Not available in
United StatesShow source
Features
Apple Pay
NoConditions apply: tap or hover for detailsShow source
Only via Curve
Google Pay
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
Spendable assets
BTC · ETH · USDC · EURShow source
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
Bitwala Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs−36 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