Bybit Card vs Nexo Card
Crypto native
Crypto native
Verdict
- Bybit Card scores higher overall (7.1 vs 6.6 out of 10).
- Bybit Card is clearly stronger on: Cashback & rewards, FX & international.
- Nexo Card is clearly stronger on: Fees, Credit & financing.
- For 1,500 EUR/month of spend, Bybit Card comes out about 144 EUR a year ahead on base-tier terms.
Bybit Card is a good fit for
- Frequent travellers
Stronger on: Cashback & rewards, FX & international
Nexo Card is a good fit for
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: Fees, Credit & financing
Score by criterion
| Criterion | Bybit Card | Nexo Card |
|---|---|---|
| Fees | 88 | 100 |
| Cashback & rewards | 48 | 12 |
| Availability | 100 | 100 |
| FX & international | 80 | 20 |
| Product features | – | 70 |
| Custody & security | 75 | 75 |
| Credit & financing | 30 | 85 |
| Limits & ATM | 62 | 64 |
| Transparency | 79 | 86 |
| Best for Cashback | 6.4 | 4.7 |
| Best for Travel | 7.4 | 5.4 |
| Best for DeFi Users | 6.3 | 6.5 |
| Best for Stablecoins | n/a | 5.8 |
| Best for High Spenders | 6.0 | 4.6 |
| Best for Low Fees | 8.1 | 7.3 |
| Best for Beginners | 7.3 | 7.8 |
| Best Crypto Credit Card | n/a | 7.5 |
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%
ActiveShow source
Product status: Active
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
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%
Debit card, Crypto-backed credit*Show source
Card type: Debit card, Crypto-backed credit
Dual mode: Debit Mode and crypto-backed Credit Mode
Source states (paraphrased): Switch between Credit and Debit Mode with one tap.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Dual mode: Debit Mode and crypto-backed Credit Mode
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%
Mastercard*Show source
Network: Mastercard
Network inferred from the Mastercard trademark notice next to the card issuer disclosure
Source states (paraphrased): Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The Nexo Card is issued by DiPocket UAB.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Network inferred from the Mastercard trademark notice next to the card issuer disclosure
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
CustodialShow source
Custody model: Custodial
Source states (paraphrased): EEA custody, trading, and futures are provided respectively by Tangany and DLT Finance under MiCA and MiFID II.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
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%
DiPocket UABShow source
Card issuer / program manager: DiPocket UAB
Source states (paraphrased): The Nexo Card is issued by DiPocket UAB, an Electronic Money Institution
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
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
FreeShow source
Annual fee: Free
Source states (paraphrased): No monthly, annual or inactivity fees.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Monthly fee
FreeShow source
Monthly fee: Free
Source states (paraphrased): No monthly, annual or inactivity fees.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
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
Free*Show source
Physical card fee: Free
Requires at least Gold Loyalty Tier and a portfolio balance above $5,000
Source states (paraphrased): The physical Nexo Card is also free, including shipping.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Requires at least Gold Loyalty Tier and a portfolio balance above $5,000
Virtual card fee
Free*Show source
Virtual card fee: Free
Activation needs a balance of at least $50 (not a fee)
Source states (paraphrased): The virtual Nexo Card costs nothing to get or activate.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Activation needs a balance of at least $50 (not a fee)
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%
2%*Show source
FX fee: 2%
Weekdays, non-EEA/UK/CH currencies; 0.2% for EEA/UK/CH currencies; higher on weekends
Source states (paraphrased): FX fees on weekdays: 0.2% EEA/UK/CH, 2% rest of world; higher weekend rates.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Weekdays, non-EEA/UK/CH currencies; 0.2% for EEA/UK/CH currencies; higher on weekends
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
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)
2% (min. €1.99)*Show source
ATM fee: 2% (min. €1.99)
After the free monthly allowance
Source states (paraphrased): 2% fee (min €1.99) per withdrawal above the free limit.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
After the free monthly allowance
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
€200/month*Show source
Free ATM allowance: €200/month
Per month, Base Loyalty Tier; Silver €400, Gold €1,000, Platinum €2,000
Source states (paraphrased): Base: Up to €200 / £180
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Per month, Base Loyalty Tier; Silver €400, Gold €1,000, Platinum €2,000
Other fees & markups
Weekend FX surcharge: 0.7% for EEA/UK/CH currencies and 2.5% for other currencies (vs 0.2% / 2% on weekdays)Show source
Other fees & markups: Weekend FX surcharge: 0.7% for EEA/UK/CH currencies and 2.5% for other currencies (vs 0.2% / 2% on weekdays)
Source states (paraphrased): FX Fees on Weekends
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
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
0.5%*Show source
Base cashback: 0.5%
Base Loyalty Tier, Credit Mode only, account balance above $5,000 in digital assets; paid in NEXO Tokens (0.1% if paid in BTC)
Source states (paraphrased): Base: 0.5% in NEXO Tokens or 0.1% in BTC
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Base Loyalty Tier, Credit Mode only, account balance above $5,000 in digital assets; paid in NEXO Tokens (0.1% if paid in BTC)
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
2%*Show source
Max cashback: 2%
Up to; Credit Mode only, depends on loyalty tier
Source states (paraphrased): Up to 2% cashback in NEXO Tokens or Bitcoin on Credit Mode spending.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Up to; Credit Mode only, depends on loyalty tier
Cashback paid in
NEXO Token or BitcoinShow source
Cashback paid in: NEXO Token or Bitcoin
Source states (paraphrased): The cashback is paid out in NEXO Tokens or Bitcoin, with the option to change your cashback currency at any time.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Cashback type
Platform tokenShow source
Cashback type: Platform token
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Cashback conditions
Only in Credit Mode · Account balance above $5,000 in digital assets · Rate depends on Loyalty Tier (ratio of NEXO Tokens held vs. rest of portfolio)Show source
Cashback conditions: Only in Credit Mode · Account balance above $5,000 in digital assets · Rate depends on Loyalty Tier (ratio of NEXO Tokens held vs. rest of portfolio)
Source states (paraphrased): when using your Nexo Card in Credit Mode if your account balance is above $5,000 worth of digital assets
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
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
Yes*Show source
Staking / holding required for top rewards: Yes
Higher cashback tiers depend on the share of NEXO Tokens held
Source states (paraphrased): the ratio of NEXO Tokens held against the rest of your portfolio will place you in one of four Loyalty Tiers
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Higher cashback tiers depend on the share of NEXO Tokens held
Staking asset
NEXO TokenShow source
Staking asset: NEXO Token
Source states (paraphrased): the ratio of NEXO Tokens held against the rest of your portfolio will place you in one of four Loyalty Tiers
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Minimum balance
$5,000*Show source
Minimum balance: $5,000
Digital-asset balance required to earn cashback
Source states (paraphrased): Cashback requires a balance above $5,000 in digital assets.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Digital-asset balance required to earn cashback
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%
Yes*Show source
Credit line: Yes
Credit Mode
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Credit Mode
Credit type
Crypto-backed creditShow source
Credit type: Crypto-backed credit
Source states (paraphrased): Credit Mode borrows against your crypto.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Interest notes
Crypto-backed Credit Line interest starting from 1.9% per year; rates vary by region and loyalty tierShow source
Interest notes: Crypto-backed Credit Line interest starting from 1.9% per year; rates vary by region and loyalty tier
Source states (paraphrased): Grow your buying power with crypto-backed Credit Lines starting from 1.9% interest.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Repayment
Flexible repayment, no fixed schedule, no credit checksShow source
Repayment: Flexible repayment, no fixed schedule, no credit checks
Source states (paraphrased): Enjoy flexible repayment with no fixed schedule or credit checks.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Spend own balance directly
Yes*Show source
Spend own balance directly: Yes
Debit Mode
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Debit Mode
Spend by borrowing against collateral
Yes*Show source
Spend by borrowing against collateral: Yes
Credit Mode
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Credit Mode
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
EEA, United Kingdom*Show source
Available in: EEA, United Kingdom
Page says 'selected European countries'; ID document from the EEA, UK or another eligible European country required
Source states (paraphrased): available only to citizens and residents of selected European countries, including the European Economic Area (EEA) and the United Kingdom
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Page says 'selected European countries'; ID document from the EEA, UK or another eligible European country required
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%
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source states (paraphrased): Apple Pay and Google Pay supported
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Google Pay
YesShow source
Google Pay: Yes
Source states (paraphrased): Apple Pay and Google Pay supported
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Physical card
Yes*Show source
Physical card: Yes
Requires Gold Loyalty Tier and above $5,000 portfolio
Source states (paraphrased): The physical Nexo Card is also free, including shipping.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Requires Gold Loyalty Tier and above $5,000 portfolio
Virtual card
YesShow source
Virtual card: Yes
Source states (paraphrased): Activate your virtual card with just a tap and start making purchases.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): Enjoy up to €2,000 / £1,800 in free ATM withdrawals per month.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Spend stablecoins
Yes*Show source
Spend stablecoins: Yes
Debit Mode
Source states (paraphrased): Spend stablecoins, crypto, and FiatX assets like EURx, USDx, and GBPx.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Debit Mode
Spendable assets
Stablecoins · Crypto · EURx · USDx · GBPx*Show source
Spendable assets: Stablecoins · Crypto · EURx · USDx · GBPx
Debit Mode; specific coins not listed
Source states (paraphrased): Spend stablecoins, crypto, and FiatX assets like EURx, USDx, and GBPx.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Debit Mode; specific coins not listed
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 issuer DiPocket UAB: Electronic Money Institution authorised by the Bank of Lithuania (licence 75) · Custody: Tangany GmbH, BaFin-regulated crypto-asset service provider under MiCAR*Show source
Regulation / licences: Card issuer DiPocket UAB: Electronic Money Institution authorised by the Bank of Lithuania (licence 75) · Custody: Tangany GmbH, BaFin-regulated crypto-asset service provider under MiCAR
Earn and Borrow are outside the scope of these authorisations
Source states (paraphrased): an Electronic Money Institution authorised and regulated by the Bank of Lithuania (licence number 75)
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Earn and Borrow are outside the scope of these authorisations
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
Nexo Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+90 EUR
- Net annual value18 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers