The Bybit EU Card earns 1-10% BTC cashback on a Mastercard debit card with no annual fee, available in EEA.
Bybit EU GmbH is the Austria-based European arm of the Bybit exchange, operating under a MiCAR licence for designated crypto-asset services. Since the end of 2025 it has issued the Bybit card to EEA residents in place of the bybit.com card program.
The Bybit EU Card is a crypto debit card offered by Bybit EU, available in EEA. It offers 1-10% BTC cashback across 6 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at €0.
Best suited for reward-focused spenders willing to optimize for cashback. Note that monthly cashback caps apply. It runs on the Mastercard network and requires full identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our best crypto cards in Europe guide. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Non-VIP | 1% | Free, no monthly cashback cap, no spend-based upgrades |
| Tier 2 (VIP 1-2) | 2% | Bybit EU VIP 1-2, €50/mo cashback cap |
| Tier 3 (VIP 3) | 4% | Bybit EU VIP 3 or monthly spend upgrade (VIPs only), €150/mo cashback cap |
| Tier 4 (VIP 4, PRO 1) | 6% | Bybit EU VIP 4 or PRO 1, or monthly spend upgrade (VIPs only), €250/mo cashback cap |
| Tier 5 (VIP 5, PRO 2) | 8% | Bybit EU VIP 5 or PRO 2, or monthly spend upgrade (VIPs only), €400/mo cashback cap |
| Tier 6 (VIP 6, PRO 3-5) | 10% | Bybit EU VIP 6 or PRO 3 to 5, or monthly spend upgrade (VIPs only), €600/mo cashback cap |
Harmoniie SAS issues the card in partnership with Moorwand Ltd, under ACPR authorisation with EEA passporting. Platform SEPA deposits from third-party accounts fail, and fiat withdrawals go only to the user's own previously-used bank account.
Compare IBAN and transfer capability across cards in our crypto cards with IBAN guide.
On $500/mo spend, the estimated monthly cost breakdown for Bybit EU Card is: gas $0.00, conversion spread $4.50, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0.9% of spend. After $5.00/mo cashback that nets a gain of about $0.50/mo ($6.00/yr). Bybit EU Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. This card bills in EUR. Spending in another currency adds a 0.5% FX fee; these figures do not include it. Figures are conservative estimates and vary with conditions.
Note: Replaced the bybit.com card for EEA residents, who had to move to bybit.eu by Dec 31, 2025 (Bybit help centre, FAQ on changes to Bybit Card services in the EEA and CH); a Bybit EU account is separate from a bybit.com account and reward points do not transfer. Bybit EU says its services are available only to EEA residents. Cashback: non-VIP cardholders earn a flat 1% on eligible transactions with no monthly cap and cannot unlock higher tiers by spending; VIPs start at a tier set by their VIP level (VIP 1-2 at 2% up to EUR 50 a month, VIP 3 at 4% up to EUR 150, VIP 4 and PRO 1 at 6% up to EUR 250, VIP 5 and PRO 2 at 8% up to EUR 400, VIP 6 and PRO 3 to 5 at 10% up to EUR 600) and can upgrade further through monthly spend. This New Cashback Mechanism applied immediately to cards applied for from June 15, 2026, from June 15, 2026 to cards applied for from June 3, and from August 4, 2026 to cards applied for before June 3. Cashback is paid daily in BTC, or another token the cardholder selects, to the Funding Account when Auto Cashback is on. The crypto conversion fee applies to every transaction funded with non-fiat assets. New cardholders get a 100% rebate on eligible subscriptions (Netflix, Spotify, Amazon Prime, ChatGPT, TradingView) in their first month, up to EUR 50, and Bybit EU gives a 100% subscription rebate on TradingView, ChatGPT, Netflix, Spotify and Amazon Prime to VIPs at Tier 2 and above. Spending limits run from EUR 5,000 a day and EUR 10,000 a month (Tier 1) to EUR 15,000 a day and EUR 50,000 a month (Tier 3); non-VIP applicants can raise their limit only to Tier 2. VERIFICATION GAP: Bybit EU's restricted-countries page redirects to its homepage, so which EEA countries or nationalities are excluded is not stated on the official pages read; the asset or trading-volume levels behind each VIP level and the monthly spend needed to upgrade a tier are not stated either.
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The Bybit EU Card is a crypto debit card offered by Bybit EU. It is available in EEA and allows users to spend cryptocurrency at merchants worldwide.
The Bybit EU Card offers 1-10% BTC cashback. There are 6 tiers: Non-VIP (1%), Tier 2 (VIP 1-2) (2%), Tier 3 (VIP 3) (4%), Tier 4 (VIP 4, PRO 1) (6%), Tier 5 (VIP 5, PRO 2) (8%), Tier 6 (VIP 6, PRO 3-5) (10%).
The Bybit EU Card has an annual fee of €0. Additional fees: Conversion fee: 0.9% on crypto-funded transactions; FX fee: 0.5%; ATM: Free up to €100/mo, then 2%; Inactivity: €0.
Yes. The Bybit EU Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Bybit EU Card is available in EEA.
The Bybit EU Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Bybit EU Card supports Apple Pay and Google Pay for contactless payments.
The Bybit EU Card is issued by Harmoniie SAS. The BIN sponsor is Moorwand Ltd.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.