Bybit Card vs Gnosis Pay

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: Closing — discontinuation announced

Card stops working 23:59 UTC, 20 December 2026; support ends 18 June 2027

Source states (paraphrased): Your Gnosis Pay card stops working at 23:59 UTC, 20 December 2026.

Source: Formal notice — closure of the Gnosis Pay web app and card (21 September 2026)

Official terms & conditions (tier 1)

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

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: Debit card

Source: Gnosis Pay Documentation

Official product page (tier 1)

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

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 states (paraphrased): Spend at Visa merchants wherever Visa is accepted.

Source: Gnosis Pay Documentation

Official product page (tier 1)

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

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%

Custody model: Self-custody

Source states (paraphrased): Card runs on a self-custodial Safe on Gnosis Chain; funds cannot be frozen or seized by Gnosis Pay.

Source: Why Gnosis Pay Creates a New SAFE Wallet For You

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 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: Monavate

Named as card partner in the closure notice

Source: Formal notice — closure of the Gnosis Pay web app and card (21 September 2026)

Official terms & conditions (tier 1)

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

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%

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%

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%

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%

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%

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%

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%

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%

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

Source: Gnosis Pay Documentation

Official product page (tier 1)

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

Spend own balance directly: Yes

Source: Gnosis Pay Documentation

Official product page (tier 1)

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

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%

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%

Physical card: Yes

Until 20 December 2026

Source states (paraphrased): Your Gnosis Pay card, including any physical card and any virtual card, will cease to function

Source: Formal notice — closure of the Gnosis Pay web app and card (21 September 2026)

Official terms & conditions (tier 1)

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

Virtual card: Yes

Until 20 December 2026

Source states (paraphrased): Your Gnosis Pay card, including any physical card and any virtual card, will cease to function

Source: Formal notice — closure of the Gnosis Pay web app and card (21 September 2026)

Official terms & conditions (tier 1)

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

Spend stablecoins: Yes

Source: Gnosis Pay Documentation

Official product page (tier 1)

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

Blockchains: Gnosis Chain

Source: Why Gnosis Pay Creates a New SAFE Wallet For You

Official help center / FAQ (tier 1)

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

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: Monavate Ltd: FCA-authorised electronic money institution (FRN 901097) · UAB Monavate: electronic money institution regulated by the Bank of Lithuania (LB002139)

Monavate Ltd for UK/non-EEA cardholders; UAB Monavate (Bank of Lithuania, LB002139) for EEA cardholders

Source states (paraphrased): an electronic money institution authorised and regulated by the Financial Conduct Authority (firm reference number 901097)

Source: Formal notice — closure of the Gnosis Pay web app and card (21 September 2026)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 93%