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Bybit Card vs Mine Card

Bybit Card

Crypto native

7.1
Get the card
Mine Card

Crypto native

5.8
Get the card

Verdict

  • Bybit Card scores higher overall (7.1 vs 5.8 out of 10).
  • Bybit Card is clearly stronger on: Cashback & rewards.
  • Mine Card is clearly stronger on: Fees, Custody & security.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bybit Card is a good fit for

  • Frequent travellers

Stronger on: Cashback & rewards

Mine Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders

Stronger on: Fees, Custody & security

Score by criterion

CriterionBybit CardMine Card
Fees8899
Cashback & rewards482
Availability100–
FX & international80–
Product features–70
Custody & security7595
Credit & financing30–
Limits & ATM62–
Transparency7979
Best for Cashback6.43.8
Best for Travel7.4n/a
Best for Self-Custodyn/a7.4
Best for DeFi Users6.36.5
Best for Stablecoinsn/a6.4
Best for High Spenders6.04.0
Best for Low Fees8.17.6
Best for Beginners7.37.0

Product

Product status

ActiveShow source

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%

Active*Show source

Product status: Active

Invite-only: sign-up needs a code from an existing member (or the higher no-code price)

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

Invite-only: sign-up needs a code from an existing member (or the higher no-code price)

Card type

Debit cardShow source

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%

Stablecoin card*Show source

Card type: Stablecoin card

Spends from your USDC balance, converted at purchase

Source states (paraphrased): Mine converts from your USDC balance at the moment of purchase, at a rate you can see.

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

Spends from your USDC balance, converted at purchase

Network

MastercardShow source

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%

MastercardShow source

Network: Mastercard

Source states (paraphrased): It’s a Mastercard issued by Unblock Atomo SARL in the EEA.

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

Custody model

Custodial*Show source

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%

The provider holds the funds

Self-custodyShow source

Custody model: Self-custody

Source states (paraphrased): Mine never custodies your funds.

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

Card issuer / program manager

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

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%

Unblock Atomo SARL (EEA e-money institution, Luxembourg); app operated by EMM Ventures AG, SwitzerlandShow source

Card issuer / program manager: Unblock Atomo SARL (EEA e-money institution, Luxembourg); app operated by EMM Ventures AG, Switzerland

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

Tiers / plans

No data yet
Basic · Premium*Show source

Tiers / plans: Basic · Premium

Metal and Private announced, no price yet

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

Metal and Private announced, no price yet

Fees

Annual fee

Free*Show source

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%

No application or annual fee; other fees such as exchange fees may apply

No data yet

Monthly fee

No data yet
Free*Show source

Monthly fee: Free

Basic and Premium are one-off fees, no subscription

Source states (paraphrased): one-off, no subscription

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

Basic and Premium are one-off fees, no subscription

Physical card fee

€5*Show source

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%

Issuance fee, payable in EUR or USDT

$124*Show source

Physical card fee: $124

Premium tier (physical + virtual card), one-off; $99 with an invite code

Source states (paraphrased): Premium is $124 one-off, 20% off with a code.

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

Premium tier (physical + virtual card), one-off; $99 with an invite code

Virtual card fee

No data yet
$5*Show source

Virtual card fee: $5

One-off; free with an invite code

Source states (paraphrased): The Virtual card is free with a valid code, otherwise $5 one-off

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

One-off; free with an invite code

FX fee

0.5%*Show source

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%

Marketing pages claim 0%

No data yet

Crypto conversion fee

0.9%*Show source

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%

On top of the spot rate

No data yet

Top-up fee

No data yet
FreeShow source

Top-up fee: Free

Source states (paraphrased): Card top-up fee 0%

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

ATM fee

2% (min. $1)*Show source

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%

On monthly withdrawals above €100 (EEA)

No data yet

Free ATM allowance

€100/month*Show source

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%

EEA

No data yet

Other fees & markups

No data yet
CHF/EUR → USDC conversion: first 500 free (lifetime allowance), afterwards priced in the appShow source

Other fees & markups: CHF/EUR → USDC conversion: first 500 free (lifetime allowance), afterwards priced in the app

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

Cashback & rewards

Base cashback

1%*Show source

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%

Non-VIP users, no monthly cap

0%*Show source

Base cashback: 0%

Basic tier has no cashback; Premium 0.5% in USDC

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

Basic tier has no cashback; Premium 0.5% in USDC

Max cashback

10%*Show source

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%

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

0.5%*Show source

Max cashback: 0.5%

Premium tier; 'boosted cashback' announced for Metal

Source states (paraphrased): Cashback 0.5% USDC

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

Premium tier; 'boosted cashback' announced for Metal

Cashback paid in

No data yet
USDCShow source

Cashback paid in: USDC

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

Cashback type

No data yet
StablecoinShow source

Cashback type: Stablecoin

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

Staking / holding required for top rewards

No*Show source

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%

Tiers depend on portfolio value instead

No data yet

Credit & financing

Credit line

NoShow source

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%

No data yet

Availability

Available in

EEA, Switzerland*Show source

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%

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

No data yet

Not available in

United StatesShow source

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%

No data yet

Account / spend currencies

No data yet
CHF · EUR · USDCShow source

Account / spend currencies: CHF · EUR · USDC

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

Own IBAN / bank details

No data yet
Yes*Show source

Own IBAN / bank details: Yes

CHF and EUR IBAN in your own name; incoming money settles as USDC

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

CHF and EUR IBAN in your own name; incoming money settles as USDC

Features

Apple Pay

No data yet
YesShow source

Apple Pay: Yes

Source states (paraphrased): Apple Pay and Google Pay from day one

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

Google Pay

No data yet
YesShow source

Google Pay: Yes

Source states (paraphrased): Apple Pay and Google Pay from day one

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

Physical card

No data yet
Yes*Show source

Physical card: Yes

Premium tier

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

Premium tier

Virtual card

No data yet
YesShow source

Virtual card: Yes

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

ATM withdrawals

No data yet
Yes*Show source

ATM withdrawals: Yes

Limit $20,000 per month on Basic, $60,000 on Premium

Source states (paraphrased): ATM withdrawals: $20,000 per month on Basic, $60,000 on Premium.

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

Limit $20,000 per month on Basic, $60,000 on Premium

Spend stablecoins

No data yet
YesShow source

Spend stablecoins: Yes

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

Airport lounge access

No data yet
No*Show source

Airport lounge access: No

Listed only under the (not yet released) Metal tier; not on Basic or Premium

Source states (paraphrased): Airport lounges

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

Listed only under the (not yet released) Metal tier; not on Basic or Premium

Spendable assets

No data yet
USDCShow source

Spendable assets: USDC

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

Limits

Spending limit

No data yet
$100,000*Show source

Spending limit: $100,000

Per month, Basic; Premium $1,000,000

Source states (paraphrased): Monthly limit $100,000

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

Per month, Basic; Premium $1,000,000

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

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%

Card issued by Unblock Atomo SARL, EEA-licensed e-money institution (Luxembourg) · Operated by EMM Ventures AG, SwitzerlandShow source

Regulation / licences: Card issued by Unblock Atomo SARL, EEA-licensed e-money institution (Luxembourg) · Operated by EMM Ventures AG, Switzerland

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

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

Annual cost at 1,500 EUR/month

Bybit Card

  • Annual & monthly fees+0 EUR
  • FX costs−18 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+180 EUR
  • Net annual value162 EUR

Mine Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+0 EUR
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Bybit Card comparisons

More Mine Card comparisons