Head to head
Bitpanda Card vs Bybit Card EU
Two exchange cards paying a flat 1% with no subscription or token. Bitpanda adds no FX fee but pays only when you spend crypto, and only to euro-area residents. Bybit pays on euros too, charges 0.5% on foreign currencies and 0.9% when you spend crypto, and covers more of the EEA outside the euro.
| Feature | Bitpanda Card | Bybit Card EU |
|---|---|---|
| Our score | 7.4 / 10 | 7.8 / 10 |
| Card type | Debit | Debit |
| Custody | Custodial | Custodial |
| Cashback | 1% on crypto-funded spend | 1% flat (2–10% VIP) |
| Paid in | The asset you spent | BTC / USDC |
| Annual fee | €0 | $0 |
| FX fee | 0% (trading spread on crypto) | 0.5% + 0.9% conv. |
| Availability | Euro area only | EEA excl. Malta |
| Net value, eurozone* | €0/yr | +€171/yr |
| Net value, Romania* | Not available | +€103/yr |
*At €1,500 a month with a typical foreign-currency share for each place (10% in the eurozone, 85% in Romania, where local lei spending counts as foreign currency). Run your own numbers.
Who wins at €500, €1,500 and €3,000 a month
Net value per year from the same calculator that powers the country pages: cashback minus FX, conversion and annual fees, with €1,000 kept on the platform for balance-based cards. Category bonuses and promotions are not counted.
| Scenario | Bitpanda Card | Bybit Card EU |
|---|---|---|
| Eurozone, 10% foreign · €500/mo | €0 | +€57 |
| Eurozone, 10% foreign · €1,500/mo | €0 | +€171 |
| Eurozone, 10% foreign · €3,000/mo | €0 | +€342 |
| Romania, 85% foreign · €500/mo | n/a | +€35 |
| Romania, 85% foreign · €1,500/mo | n/a | +€103 |
| Romania, 85% foreign · €3,000/mo | n/a | +€207 |
Where the difference comes from
The calculator assumes you spend euros or stablecoins, and that decides it: Bybit pays its 1% on euros held on the exchange, worth about €171 a year at €1,500 a month after its 0.5% FX fee, while Bitpanda pays nothing on euros or stablecoins. The Romania rows show only Bybit, because Bitpanda requires euro-area residence; there Bybit’s 0.5% FX fee on lei takes about half of its cashback.
The difference is what you spend from. Bitpanda’s 1% applies only when the payment asset is a crypto-asset, paid back in that same asset; euros, stablecoins and metals earn nothing, and every purchase sells crypto at a trading spread Bitpanda does not publish. Bybit pays 1% in BTC or USDC on purchases from any balance, with higher VIP tiers for heavy traders. Bitpanda’s card is issued by Transact Payments Malta; Bybit’s by Harmoniie SAS, a French e-money institution, with the exchange account under Bybit EU’s Austrian MiCA licence.
Choose Bitpanda if…
you live in the euro area, spend from crypto anyway and want 0% FX.
Choose Bybit if…
you want cashback on stablecoin or euro spending, or live in an EEA country outside the euro that Bybit serves.