Cryptopay Card vs Bybit Card APAC
Bottom line, net annual cost favours Bybit Card APAC (€0), while Cryptopay Card comes to €12. On cashback Bybit Card APAC wins (up to 10%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Bybit Card APAC does better (0.5% vs 1.95%). In our editorial rating Bybit Card APAC leads (4.3 vs 3.0). Neither wins across the board: weigh the points above against your use case before choosing between Cryptopay Card and Bybit Card APAC.
| Cryptopay Card | Bybit Card APAC | |
|---|---|---|
| Tier | C | A |
| Rating | ★ 3.0 | ★ 4.3 |
| Estimated net annual cost | €12 | €0 |
| Network | Visa | Mastercard |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| Issuance fee | Free | €5 |
| Annual fee | €12/year | Free |
| Free ATM limit | €400/gg (non verif.) · €2.000/gg (verif.) | $3.000/giorno |
| ATM withdrawal | Free | 2% |
| FX markup | 1.95% | 0.5% |
| Cashback | Not disclosed | 10% in BTC o USDC · Nessuno |
| On-chain settlement | No | No |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 3/10 | 2/10 |
| Supported countries | EEA, UK · 32+ countries | APAC, LATAM · 10+ countries |
| Regulator | Bank of Lithuania; UK FCA | Austria FMA; Dubai VARA; UAE SCA |
| OAM Italy registration | No | No |
| Segment | B2C | B2C |
| Past incidents | — | February 2025: ~$1.5B breach (the largest crypto theft in history), attributed to the Lazarus Group; Bybit made customer funds whole. |
| Regions | EU/EEA, UK | APAC, LATAM |
| Licences & safety | EMI (partner DiPocket UAB); FCA registered crypto asset business | MiCAR (CASP); VARA VASP; SCA Virtual Asset Platform Operator |
Frequently asked questions
Cryptopay Card vs Bybit Card APAC: which is better?
Bottom line, net annual cost favours Bybit Card APAC (€0), while Cryptopay Card comes to €12. On cashback Bybit Card APAC wins (up to 10%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Bybit Card APAC does better (0.5% vs 1.95%). In our editorial rating Bybit Card APAC leads (4.3 vs 3.0). Neither wins across the board: weigh the points above against your use case before choosing between Cryptopay Card and Bybit Card APAC.
Which is cheaper, Cryptopay Card or Bybit Card APAC?
On the standard spending profile Bybit Card APAC has the lowest net annual cost: €0 versus €12 for Cryptopay Card.
Which offers more cashback, Cryptopay Card or Bybit Card APAC?
Bybit Card APAC has the highest cashback: up to 10%. Note the top rate often requires token staking and is subject to spending caps.
Is Cryptopay Card custodial or self-custody?
Cryptopay Card is custodial: funds are held by the platform, while Bybit Card APAC is custodial.
Which is better for spending abroad?
For foreign-currency spending Bybit Card APAC wins, with the lowest FX markup: 0.5%.