Bybit Card

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Bybit Card scores 8 of 16 on the CBL Card Score. Bybit EU, Mastercard. Custodial, MiCA segregation stated. Moorwand and Heuro, named by third parties only.

CBL Card Score: 8 of 16

Criterion	Points	What we found	Source
Custody	1 of 2	Custodial. The card has no balance of its own and spends from the Bybit EU Funding Account (official). Bybit EU states it applies MiCA safeguarding and segregation of client assets (official). Group proof of reserves audited monthly at over 1:1 (official).	official checked 24 September 2026
Issuer and licence	1 of 2	Not named on Bybit EU's own pages or in its help centre; the cardholder terms page did not load in this check. Third parties name Moorwand Ltd, a UK EMI, and Heuro SAS, formerly Harmoniie SAS, a French EMI with ACPR licence 17478 (third-party: cryptoslate, 22 Sept 2026; cryptocardhub, 11 Aug 2026).	third-party checked 24 September 2026
Availability	0 of 2	29 EEA states, Malta excluded (official, 22 Sept 2026). Not offered in the UK, the UAE, Saudi Arabia or the US. Separate programmes in Australia, Argentina, Brazil, Mexico, Peru, Georgia, Kazakhstan and Asia Pacific (official).	official checked 24 September 2026
FX fee on a foreign-currency purchase	1 of 2	0.5% on top of Mastercard's rate, no padding (official, 3 June 2026). Spending crypto adds a 0.9% conversion fee on Bybit EU's One-Click Sell rate, minimum €1 (official).	official checked 24 September 2026
Funding cost	1 of 2	Virtual card free. First physical card free, replacement €5. No annual or inactivity fee (official). The card draws on the Funding Account: a EUR balance is spent with no fee, crypto is converted at 0.9%. USDC and EURC are spendable; USDT is not offered on Bybit EU (official priority list; third-party on USDT).	official checked 24 September 2026
Apple Pay and Google Pay	2 of 2	Apple Pay, Google Pay and Samsung Pay (official, 22 Sept 2026). Google Pay not on iOS or in Estonia and Norway (official).	official checked 24 September 2026
Freeze and dispute policy	2 of 2	The system freezes the card for a negative balance, a suspicious transaction or repeated CVV failures; transactions fail if the Bybit account is suspended; no notice period published. Disputes are filed in the app within 120 days of the transaction after contacting the merchant and waiting 14 days; Bybit EU reviews within 3 to 5 business days; unauthorised transactions must be reported within 60 days; refunds credited within 2 business days (official help centre). The cardholder terms could not be read in this check.	official checked 24 September 2026
Yield on idle balance	0 of 2	The global card's Auto-Earn spends from Flexible Easy Earn with no lock (official, bybit.com). Bybit EU's card pages say the card draws from the Funding Account only and bybit.eu has no Auto-Earn article. Scored as none for the EEA card.	official checked 24 September 2026

Total 8 of 16. Official means the company's own site, terms or help centre. Third-party means a named review site with its own check date; a third-party fact is reported, not verified, and the score stands until an official source confirms or contradicts it.

Score history

24 September 2026

8 of 16

First score, Bybit EU Card

Standing

Company	Bybit EU GmbH, Vienna, authorised by the Austrian FMA under MiCA on 28 May 2025 and passported to 29 EEA states. Since 1 Jan 2026 the EEA card is the Bybit EU Card on bybit.eu; the old EEA card on bybit.com closed to new EEA users. Other regions run separate programmes on bybit.com. A sister company, Bybit Payments GmbH, holds an Austrian e-money licence since Aug 2026 for future card initiatives (official). Scored here: the EEA card.
Network	Mastercard in the EEA (official) official
Rails	Not named on bybit.eu. Third-party reviews name Moorwand Ltd, a UK EMI, and Heuro SAS, formerly Harmoniie SAS, a French EMI (third-party: cryptoslate, cryptocardhub).
Website	www.bybit.eu/en-EU/cards
Health tag	Watch MiCA-authorised entity in Austria and an e-money licence at a sister company, but the card issuer is not named on Bybit's own pages, balances are custodial exchange funds, the group lost about $1.46bn in the February 2025 hack (customers made whole, reserves audited at 1:1 within 72 hours), and it paid regulator fines in the Netherlands (€2.25m, 2024) and India (about $1m, 2025).
Last checked	24 September 2026

When it goes wrong

The system freezes the card for a negative balance, a suspicious transaction or repeated CVV failures; transactions fail if the Bybit account is suspended; no notice period published. Disputes are filed in the app within 120 days of the transaction after contacting the merchant and waiting 14 days; Bybit EU reviews within 3 to 5 business days; unauthorised transactions must be reported within 60 days; refunds credited within 2 business days (official help centre). The cardholder terms could not be read in this check.

The dispute route, in order: the company's own support desk, then the card network's chargeback rules, then the regulator of the issuer where one is named. A frozen card is a question, not a verdict: the Frozen Account Survival Kit applies to cards too.

Costs

FX	0.5% on top of Mastercard's rate, no padding (official, 3 June 2026). Spending crypto adds a 0.9% conversion fee on Bybit EU's One-Click Sell rate, minimum €1 (official). official
Funding	Virtual card free. First physical card free, replacement €5. No annual or inactivity fee (official). The card draws on the Funding Account: a EUR balance is spent with no fee, crypto is converted at 0.9%. USDC and EURC are spendable; USDT is not offered on Bybit EU (official priority list; third-party on USDT). official
ATM	2% after the first €100 a month; physical card only; €2,000 per withdrawal and per day (official).
Tiers	Card tiers Base to Infinite, earned by monthly spend or inherited from the exchange VIP level (VIP 1 from $100,000 in assets) (official). Bybit EU spending-limit tiers: €10,000, €25,000 and €50,000 a month (official).

Cashback, as of 24 Sept 2026

EEA: 1% for non-VIP users, reported uncapped (Bybit EU on X and third parties; the official tier table did not render); VIP levels 2% to 10% with monthly caps; new users 10% in the first month, capped at €150; paid daily in USDC or BTC; full rebates on partner subscriptions from the second tier (official). Global programme: 2% to 10% by tier with monthly caps from $5 to $600 (official).

Cashback is a dated fact, not part of the Card Score. Promo rates change too often to score.

Availability

29 EEA states, Malta excluded (official, 22 Sept 2026). Not offered in the UK, the UAE, Saudi Arabia or the US. Separate programmes in Australia, Argentina, Brazil, Mexico, Peru, Georgia, Kazakhstan and Asia Pacific (official). official

Identity checks: Advanced identity verification plus proof of address, EEA documents preferred; a Virtual Card Lite needs basic ID only and carries a €150 lifetime limit (official).

What we still need confirmed

Facts marked official come from Bybit EU's own pages or terms. Facts marked third-party are reported by a named review site and count as reported, not verified. These items are open for the next Monday sweep:

• The issuer named in the Bybit EU Card terms (rescore issuer to 2 if a licensed issuer is named there) open
• Auto-Earn on the EU card (rescore yield to 2 if confirmed with no lock) open
• The official EEA cashback table open
• A UAE card programme (rescore availability if one exists) open
• Switzerland status after the 1 Jan 2026 split open
• Suspension notice period in the terms open
• rails: whether the card runs on Rain or on Stripe Issuing, from the cardholder terms or the app store disclosure open

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