Bybit Card vs N26

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: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

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

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 states (paraphrased): Free virtual debit card

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

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

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: Mastercard

Source states (paraphrased): qualifying transactions made with your N26 Mastercard

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

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

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: Custodial

The provider holds the funds

Source states (paraphrased): Owner research: custodial

Source: Compare N26 bank account features and services

Official pricing / fee schedule (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%

Tiers / plans: Standard · Smart · Go · Metal

Source states (paraphrased): N26 Smart and N26 Go customers can choose from one of five card colors.

Source: What's the difference between debit vs. credit cards?

Official help center / FAQ (tier 1)

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

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

Standard account

Source: Bank for free with an N26 account (Belgium)

Official pricing / fee schedule (tier 1)

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

Physical card fee: €10

Standard plan; included in Smart, Go and Metal

Source states (paraphrased): Physical card €10

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

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

Virtual card fee: Free

First virtual card free on Standard

Source states (paraphrased): Free virtual debit card

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

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

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: 1.5%

N26 Crypto (Bitpanda) trading fee for Bitcoin; 2.5% for other coins, 3.5% for low-liquidity coins; N26 Metal 0.5% discount up to €5,000 order volume per month

Source states (paraphrased): Trades are subject to a transaction fee of 1.5% for Bitcoin and 2.5% for all other coins

Source: N26 Crypto: conveniently trade over 400 cryptocurrencies

Official product page (tier 1)

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

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%

Other fees & markups: N26 Standard: one-off fee covering delivery of a physical debit card (amount not stated)

Source states (paraphrased): N26 Standard account holders can get a debit card paired with their N26 account against a one-off fee covering the delivery.

Source: What's the difference between debit vs. credit cards?

Official help center / FAQ (tier 1)

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

Base cashback: 0%

Standard: no cashback; Go and Metal get 1% travel cashback

Source states (paraphrased): Reise-Cashback 1 | 1 % | 1 % (only Go and Metal columns)

Source: https://n26.com/de-at/konten-vergleichen

Official product page (tier 1)

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

Max cashback: 1%

Travel cashback on Go (9.90 €/month) and Metal (16.90 €/month) only

Source states (paraphrased): Alle Smart Features und Gratisabhebungen außerhalb der Eurozone 1 % Cashback auf Reisen

Source: https://n26.com/de-at/konten-vergleichen

Official product page (tier 1)

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

Interest on balance: 0.3%

Tagesgeld (savings) on Standard, variable; Go 0.50%, Metal 1.50% p.a.

Source states (paraphrased): Tagesgeldzinsen 2 | 0,30 % p.a. | 0,30 % p.a. | 0,50 % p.a. | 1,5 % p.a.

Source: https://n26.com/de-at/konten-vergleichen

Official product page (tier 1)

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

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 states (paraphrased): Credit cards are not currently offered.

Source: What's the difference between debit vs. credit cards?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Credit type: None

Source states (paraphrased): Credit cards are not currently offered.

Source: What's the difference between debit vs. credit cards?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

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: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, Switzerland

21 countries listed: Austria, Belgium, Denmark, Estonia, Finland, France (not DOM/TOM), Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, Switzerland; residency and requirements apply

Source states (paraphrased): We offer our accounts in the following countries: Austria, Belgium, Denmark, Estonia, Finland, France (not available for residents in the DOM/TOM)

Source: Availability across Countries

Official help center / FAQ (tier 1)

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

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%

Own IBAN / bank details: Yes

Source states (paraphrased): Give your N26 account IBAN to your employer

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

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

Apple Pay: Yes

Source states (paraphrased): Add it to Google Pay, Samsung Pay or Apple Pay

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

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

Google Pay: Yes

Source states (paraphrased): Add it to Google Pay, Samsung Pay or Apple Pay

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

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

Physical card: Yes

Source states (paraphrased): If you ordered a physical debit card, this will arrive via post.

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

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

Virtual card: Yes

Source states (paraphrased): Free virtual debit card

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

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

ATM withdrawals: Yes

Source states (paraphrased): 2 free ATM withdrawals in euros

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

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

Airport lounge access: No

Standard: 33 € per visit; Go first visit 15 €, Metal first visit per year free

Source states (paraphrased): Zugang zu Flughafenlounges 6 | 33 € pro Besuch | 33 € pro Besuch | Erster Besuch pro Jahr 15 €, danach 30 €

Source: https://n26.com/de-at/konten-vergleichen

Official product page (tier 1)

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

Travel / rental car insurance: No

Only Go and Metal plans (not Standard)

Source states (paraphrased): Up to €2,000

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

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

Purchase protection: No

Only Metal plan

Source states (paraphrased): Purchase protection8 Up to €2,500 per claim

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

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

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: German full banking licence (BaFin)

Source states (paraphrased): N26 has been granted a full German banking license from BaFin.

Source: Bank for free with an N26 account (Belgium)

Official pricing / fee schedule (tier 1)

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

Deposit protection: Yes

Up to €100,000

Source states (paraphrased): protected up to €100,000 by the German Deposit Guarantee Scheme

Source: Bank for free with an N26 account (Belgium)

Official pricing / fee schedule (tier 1)

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