Bringin Card vs Bybit Card
Crypto native
Crypto native
Verdict
- Bringin Card scores higher overall (7.4 vs 7.2 out of 10).
- Bringin Card is clearly stronger on: FX & international, Custody & security, Transparency.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bringin Card is a good fit for
- Frequent travellers
Stronger on: FX & international, Custody & security, 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 | Bringin Card | Bybit Card |
|---|---|---|
| Fees | 80 | 88 |
| Cashback & rewards | – | 48 |
| Availability | 100 | 100 |
| FX & international | 100 | 80 |
| Product features | 56 | – |
| Custody & security | 85 | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | – | 62 |
| Transparency | 100 | 86 |
| Best for Cashback | n/a | 6.5 |
| Best for Travel | 8.0 | 7.5 |
| Best for DeFi Users | 6.8 | 6.3 |
| Best for High Spenders | 6.3 | 6.0 |
| Best for Low Fees | 8.4 | 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
Bitcoin stays in the user's own wallet; euros are held in the card's vIBAN
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Card issuer / program manager
Infrastructure by Lightspark Payments Europe AS (MiCA-authorized CASP)Show source
Harmoniie SAS, partnering with Moorwand Ltd (Mastercard licence held by Moorwand Ltd)Show source
Fees
Annual fee
€37.69/yearConditions apply: tap or hover for detailsShow source
Paid annually (10% discount); otherwise €3.49 a month
FreeConditions apply: tap or hover for detailsShow source
No application or annual fee; other fees such as exchange fees may apply
Monthly fee
€3.49/monthConditions apply: tap or hover for detailsShow source
Monthly payment; €37.69 when paid annually
Physical card fee
FreeShow source
€5Conditions apply: tap or hover for detailsShow source
Issuance fee, payable in EUR or USDT
Virtual card fee
FreeShow source
FX fee
0%Show source
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
Bitcoin to euro
0.9%Conditions apply: tap or hover for detailsShow source
On top of the spot rate
ATM fee
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
Settlement fee
FreeShow 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
EEAConditions apply: tap or hover for detailsShow source
Anyone 18+ with a valid ID from an EEA country
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
Account / spend currencies
EUR · BTCShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Personal euro vIBAN
Features
Apple Pay
NoConditions apply: tap or hover for detailsShow source
Only through the Curve app; direct support planned
Google Pay
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
Spendable assets
BTC (on-chain and Lightning) · EURShow source
Blockchains
Bitcoin · Lightning NetworkShow source
Limits
ATM limit
€350Conditions apply: tap or hover for detailsShow source
Per day; €3,000 a month
Spending limit
€10,000Conditions apply: tap or hover for detailsShow source
Per day, standard KYC level; €15,000 a month
Security & custody
Regulation / licences
MiCA (CASP authorization of infrastructure provider Lightspark Payments Europe AS)Conditions apply: tap or hover for detailsShow source
Authorization is held by the infrastructure provider, not by Bringin itself
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
Bringin Card
- Annual & monthly fees−80 EUR
- FX costs+0 EUR
- Crypto conversion–
- Per-transaction fees+0 EUR
- ATM costsunknown
- 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