Bybit Card vs Crypto.com Visa Card (EEA)

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%

Product status: Active

Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%

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%

Card type: Prepaid card

Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

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%

Network: Visa

Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

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%

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%

Card issuer / program manager: Foris MT Limited (Malta)

Source states (paraphrased): The Crypto.com Visa Card is issued and promoted by Foris MT Limited

Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Tiers / plans: Basic (previously Midnight) · Plus (previously Ruby) · Pro (previously Jade/Indigo) · Private (previously Icy/Rose/Obsidian)

Source states (paraphrased): Basic (previously Midnight)

Source: Crypto.com Prepaid Visa Card Fees and Limits (Europe) - for users with a residential address in Europe

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%

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%

Monthly fee: Free

Free tier; paid tiers from €3.99/month (€39.90/year) to €24.99/month, or unlocked via 12-month CRO staking

Source states (paraphrased): Tiers priced e.g. €3.99/month or €39.90 yearly, or €450 12-month CRO staking; top paid tier €24.99/month.

Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

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%

Replacement fee: €45.01

Midnight; other tiers €50

Source states (paraphrased): Midnight - €45.01

Source: Crypto.com Prepaid Visa Card Fees and Limits (Europe) - for users with a residential address in Europe

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

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%

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%

Top-up fee: 1%

Only for top-ups with debit/credit card; minimum top-up €20

Source states (paraphrased): Debit / Credit card top-up: 1%

Source: Crypto.com Prepaid Visa Card Fees and Limits (Europe) - for users with a residential address in Europe

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

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%

ATM fee: 2%

Above the monthly free ATM limit; ATM provider surcharges may apply

Source states (paraphrased): ATM Withdrawal: 2% on amounts above the monthly free ATM limit

Source: Crypto.com Prepaid Visa Card Fees and Limits (Europe) - for users with a residential address in Europe

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

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%

Other fees & markups: Inactivity fee €6 per month after 12 months without card activity (€5 before 1 Oct 2026) · Account closure fee €50

Source states (paraphrased): Effective 1 October 2026 fee will be updated to € 6.

Source: Crypto.com Prepaid Visa Card Fees and Limits (Europe) - for users with a residential address in Europe

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%

Base cashback: 0%

Free tier

Source states (paraphrased): Everyday CRO rewards from 0% on the free tier.

Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Max cashback: 4.5%

Highest tier; monthly caps apply by tier

Source states (paraphrased): Up to 4.5% on the highest tier, with caps by tier.

Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Cashback paid in: CRO

Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Cashback type: Platform token

Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

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%

Staking / holding required for top rewards: Yes

Higher tiers via subscription or 12-month CRO staking

Source states (paraphrased): Tiers can be unlocked through a 12-month CRO stake (e.g. €450 for one tier).

Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Staking asset: CRO

Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Capital required for top rewards: €450,000

Obsidian tier (4.5%); 12-month lockup

Source states (paraphrased): €450,000 12-month CRO staking

Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Reward exclusions: Certain merchant categories or channels are excluded from CRO Rewards

Source states (paraphrased): Transactions made under certain merchant categories or channels are excluded from the CRO Rewards program.

Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

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%

Credit line: No

prepaid card, must be topped up

Source states (paraphrased): The Crypto.com Card is a prepaid card.

Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

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%

Available in: EEA

Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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%

Account / spend currencies: EUR

Source states (paraphrased): Cards in EUR

Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

Apple Pay: Yes

EU: available; not available in UK or Bahrain

Source states (paraphrased): | EU | Y

Source: How to set up Apple Pay in your Apple Wallet

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Google Pay: Yes

EU: Google Wallet available, Samsung Wallet not available

Source states (paraphrased): | EU | Y | N

Source: How to set up Google/Samsung Pay in your Google/Samsung Wallet

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

ATM withdrawals: Yes

Source states (paraphrased): can be loaded onto the Crypto.com Prepaid Visa Card for use in purchase and ATM withdrawals

Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Airport lounge access: No

Not included on the entry tier (Midnight Blue); only higher tiers (Jade Green/Royal Indigo with annual subscription, capped 2x/year; Icy White/Rose Gold/Obsidian)

Source states (paraphrased): Airport Lounge Access | - | - | Yes for annual subscribers (Cap 2 times per year) | Yes | Yes

Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

ATM limit: €2,000

Daily; monthly €10,000, yearly €75,000; max 3 withdrawals per day

Source states (paraphrased): Daily: €2,000

Source: Crypto.com Prepaid Visa Card Fees and Limits (Europe) - for users with a residential address in Europe

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%

Spending limit: €25,000

Daily €25,000, monthly €25,000, yearly €250,000; card max balance €25,000

Source states (paraphrased): POS Purchase Limit (Includes All In-Store and Online Purchases) – All Card Tiers

Source: Crypto.com Prepaid Visa Card Fees and Limits (Europe) - for users with a residential address in Europe

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%

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%

Regulation / licences: Foris MT Limited: electronic money institution authorised by the Malta Financial Services Authority · Foris DAX MT Limited: MiCA crypto-asset service provider authorised by the MFSA

Source states (paraphrased): duly authorised by the Malta Financial Services Authority as a Financial Institutions licenced to issue electronic money

Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%