Bybit Card vs Wirex One Card
Crypto native
Crypto native
Verdict
- Bybit Card scores higher overall (7.2 vs 7.0 out of 10).
- Wirex One Card is clearly stronger on: Fees, FX & international, Limits & ATM, Transparency.
- For 1,500 EUR/month of spend, Bybit Card comes out about 72 EUR a year ahead on base-tier terms.
Bybit Card is a good fit for
- Frequent travellers
Wirex One Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: Fees, FX & international, Limits & ATM, Transparency
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Bybit Card | Wirex One Card |
|---|---|---|
| Fees | 88 | 100 |
| Cashback & rewards | 48 | 44 |
| Availability | 100 | – |
| FX & international | 80 | 100 |
| Product features | – | 70 |
| Custody & security | 75 | – |
| Credit & financing | 30 | 30 |
| Limits & ATM | 62 | 100 |
| Transparency | 86 | 100 |
| Best for Cashback | 6.5 | 6.3 |
| Best for Travel | 7.5 | 8.6 |
| Best for DeFi Users | 6.3 | 6.0 |
| Best for Stablecoins | n/a | 7.8 |
| Best for High Spenders | 6.0 | 6.9 |
| Best for Low Fees | 8.2 | 10.0 |
| Best for Beginners | 7.5 | 7.4 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit cardShow source
Debit cardShow source
Network
MastercardShow source
Visa / MastercardConditions apply: tap or hover for detailsShow source
Physical card Visa or Mastercard; metal card Visa Signature
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Card issuer / program manager
Harmoniie SAS, partnering with Moorwand Ltd (Mastercard licence held by Moorwand Ltd)Show source
Tiers / plans
Base · Premium · Elite · Private · BespokeShow source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
No application or annual fee; other fees such as exchange fees may apply
FreeShow source
Monthly fee
FreeShow source
Physical card fee
€5Conditions apply: tap or hover for detailsShow source
Issuance fee, payable in EUR or USDT
FX fee
0.5%Conditions apply: tap or hover for detailsShow source
Marketing pages claim 0%
0%Show source
Crypto conversion fee
0.9%Conditions apply: tap or hover for detailsShow source
On top of the spot rate
ATM fee
2% (min. $1)Conditions apply: tap or hover for detailsShow source
On monthly withdrawals above €100 (EEA)
FreeConditions apply: tap or hover for detailsShow source
Wirex fee; operator fees not addressed
Free ATM allowance
€100/monthConditions apply: tap or hover for detailsShow source
EEA
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Non-VIP users, no monthly cap
0.5%Conditions apply: tap or hover for detailsShow source
Base tier
Max cashback
10%Conditions apply: tap or hover for detailsShow source
Up to; marketing claim, tier based on total Bybit portfolio value
8%Conditions apply: tap or hover for detailsShow source
Top tier; tier set by portfolio size and share held in WPAY
Cashback paid in
USDShow source
Cashback type
FiatShow source
Interest on balance
9.75%Conditions apply: tap or hover for detailsShow source
Up to; stablecoin savings, flexible or fixed terms
Cashback conditions
Tier recalculated daily from portfolio size and percentage held in WPAY; both thresholds must be met · No monthly cashback cap · 50% rebate on eligible subscriptions, capped at each service's standard plan priceShow source
Staking / holding required for top rewards
NoConditions apply: tap or hover for detailsShow source
Tiers depend on portfolio value instead
YesConditions apply: tap or hover for detailsShow source
Holding (not locking) WPAY and a minimum portfolio for higher tiers
Staking asset
WPAYShow source
Credit & financing
Credit line
NoShow source
NoShow source
Availability
Available in
EEA, SwitzerlandConditions apply: tap or hover for detailsShow source
Select EEA countries; Bybit pages conflict on which EEA countries are excluded
Not available in
United StatesShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
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
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
Wirex One Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+90 EUR
- Net annual value90 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers