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Bleap Card vs Bybit Card: 2026 Comparison

Comparing Bleap Card and Bybit Card on fees, cashback, custody, and where each card is available.

Some cards on this page link to affiliate partners, and we may earn a commission if you sign up. The comparison verdict comes from our public scoring formula either way. Read our editorial disclosure.

The short version:

Bleap scores 4.7/5 on the Sweepbase formula and Bybit scores 3.8/5, a gap of 0.9 points. The Strengths row in the table lists what each card is credited for. What moves the score for Bleap: self-custody, no issuance or annual fee, 1% cashback.

Bleap:
Bybit:

Side by side

Side-by-side comparison of Bleap Card, Bybit Card. Scroll horizontally to see all columns.
Feature

Bleap Card 4.7 out of 5, Sweepbase rating

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Bybit Card 3.8 out of 5, Sweepbase rating

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Overview
Card typeVirtual + PhysicalVirtual + Physical
NetworkMastercard Standard, issued by Unlimit EU Ltd, an electronic money institution licensed by the Central Bank of Cyprus
The fine print
  • Bleap is the programme provider, not the issuer, and says so: "Bleap does not issue e-money, operate payment accounts, hold client assets or private keys, or provide custody"
  • The card terms name Bleap SIA of Latvia as the programme entity, while the wallet Terms of Service name Bleap Finance sp. z o.o. of Poland
Mastercard Debit in the EEA
The fine print
  • Mastercard Prepaid in Argentina, Australia, Georgia, Kazakhstan and AIFC
  • Mastercard Credit in Mexico and Brazil
  • Visa Prepaid in Peru
  • Visa Credit in Asia Pacific
Custody Strength: Self-custodyCustodial
Costs
Issuance fee Strength: Free Strength: Virtual free
The fine print
  • Physical card in the EEA free on first issuance and 5 EUR for a replacement per the fee table updated 8 October 2026, although the EEA card landing page still says $5 or 5 USDC
  • Physical 5 USD or USDT in Argentina, 5 USDT in Asia Pacific, 29.99 USD in Australia, 29.99 USDT in Georgia and Kazakhstan (AIFC), free in Brazil and Mexico
  • No physical card in Peru
Annual fee Strength: Free Strength: Free
FX fee Strength: 0% from Bleap: the EEA cardholder terms say Bleap charges no exchange fees, while…
The fine print
  • … "Mastercard scheme, network/FX rates, merchant or ATM fees and taxes may still apply"
  • The card spends USD or EUR balances (USDC, EURe)
  • Other currencies convert at the Mastercard rate
0.5-7% on foreign-currency spend depending on the programme: 0.5% in the EEA per Bybit EU's fee table updated 8 October…
The fine print
  • … 2026, although its card landing page still says 1%
  • 1.5% Brazil
  • 2% Mexico, Peru, Australia, Asia Pacific and Georgia, with a 2% international fee on cross-border purchases in Kazakhstan (AIFC)
  • 7% Argentina
  • Plus a 0.9% crypto conversion fee when the payment is funded with crypto (0.5% in Argentina)
Rewards
Cashback Strength: 1% Strength: 1% EEA base; 2-10% VIP (capped)
Yield on spendable balanceNoThe issuer pays yield, but in a separate product Strength: Yes
Access
Apple / Google Pay Strength: Yes - Apple Pay and Google Pay; the virtual card provisions on activation, no physical card needed Strength: Yes: Apple Pay, Google Pay and Samsung Pay in the EEA and Australia
The fine print
  • Apple Pay and Google Pay in Argentina, AIFC, Georgia, Kazakhstan, Brazil and Peru
  • Google Pay only in Asia Pacific and Mexico
Bank account in your name Strength: SEPA: Yes - top-up and receipt at 0% (SEPA and SEPA Instant, fee schedule of 1 September 2026)
The fine print
  • IBAN: Yes - a dedicated IBAN in your own name issued by Monerium, rolled out gradually from the second quarter of 2026 per the help centre (31 August 2026)
  • EUR in by SEPA arrives as EURe, and outgoing transfers still show Bleap as sender during a transition period
 Strength: IBAN: Yes (EUR deposit IBAN via SEPA); SEPA: Yes; SWIFT: Not disclosed
Daily spend limit€10,000 per transaction, €15,000 a day and €30,000 over a rolling 30 daysEEA: 5,000 EUR a day on Tier 1, 10,000 EUR on Tier 2, 15,000 EUR on Tier 3
The fine print
  • Elsewhere: Australia 50,000 USD
  • Argentina 1,000 USD per transaction and 5,000 USD a day
  • Brazil 27,500 BRL
  • Mexico 97,000 MXN
  • Georgia and Kazakhstan 15,000 USD
  • Peru 1,000 USD
  • Asia Pacific 10,000 USD on Tier 1, 50,000 USD on Tier 2, 100,000 USD on Tier 3
ATM withdrawal limitFree up to EUR 400 and 3 withdrawals per rolling 30 days…
The fine print
  • … (the card page repeats "up to €400/month in free ATM withdrawals")
  • Virtual cards cannot use ATMs - "If you attempt to use a virtual card at an ATM, the transaction will be declined" - because they carry no PIN, so cash needs the plastic card
EEA: first 100 EUR a month free, then 2%
The fine print
  • Up to 2,000 EUR a day on the physical card
  • Other regions: 2% after a monthly free allowance of 100 USD, 550 BRL in Brazil, 95,000 ARS in Argentina or 1,800 MXN in Mexico
  • Per-region caps, e.g. 50 USD a day on Australia Level 1 and 3,000 USD a day on Asia Pacific Level 2 and 3
  • ATM not supported in Peru
Top-up methodsUSDC, USDT, other stablecoins; multi-chain supportSpends from the Bybit Funding Account: EUR plus up to 3 selected cryptos from USDC, BTC, ETH, MNT, GRAM, XRP and EURC…
The fine print
  • … in the EEA
  • Local fiat plus BTC, ETH, XRP, USDT, USDC and GRAM elsewhere
RegionsEEA and Switzerland per the cardholder terms of 28 June 2026 and the help centre, which refuses cards to anyone…
The fine print
  • … residing elsewhere and adds a restricted-nationality list that includes the United States
  • Availability inside the EEA is not uniform either: "residents of countries like Italy or Spain may not yet have access to Bleap cards"
  • Not available in the United Kingdom
  • Bleap's own card page contradicts the contract by naming a second, non-European region alongside the EEA in its FAQ, and a help article of 21 September 2026 opens accounts to residents of Brazil, but no card terms exist for anywhere outside the EEA and Switzerland, so the contract's scope stands
EEA via bybit.eu: 29 supported EEA countries, the EU-27 except Malta plus Iceland, Liechtenstein and Norway
The fine print
  • Outside the EEA, bybit.com runs separate card programmes for Argentina, Brazil, Mexico, Peru, Australia, AIFC, Georgia, Kazakhstan and Asia Pacific, and says the card is only available in limited countries
  • The bybit.com card is not available to EEA customers
  • The old bybit.com EUR card for the EEA and Switzerland had to be replaced by 31 December 2025, and Switzerland is not in the bybit.eu list
Behind the card
Card issuerUnlimit EU Ltd, Cyprus (Central Bank of Cyprus EMI, company number HE 328641)Named in the card termsHarmoniie SAS (with Moorwand Ltd), France (ACPR, CIB 17478); Mastercard licence held by Moorwand Ltd (UK)Named in the card terms
Our read
Strengths
  • You hold the keys
  • No issuance or annual fee
  • FX fee of 0.5% or less
  • Cashback: 1%
  • Apple Pay and Google Pay
  • Bank account in your name
  • Virtual and physical
  • No issuance or annual fee
  • Cashback: 1% EEA base; 2-10% VIP (capped)
  • Spendable balance earns
  • Apple Pay and Google Pay
  • Bank account in your name
  • Virtual and physical
Trade-offsNothing flagged by these checks
  • Issuer holds your funds

Which scores higher

Bleap leads on the formula, but the score is a sum, and Bybit wins some of its terms: the balance Bybit spends from earns yield, and the one Bleap spends from does not. If one of those is the thing you care about, read that row above before the score.

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Bleap vs Bybit: FAQ

Bleap Card scores higher on the Sweepbase formula, at 4.7/5. What moves the score: self-custody, no issuance or annual fee, 1% cashback. The formula does not know where you live or how you spend, so check availability and fees for your own case.

Bleap Card: issuance Free, annual Free, FX 0% from Bleap: the EEA cardholder terms say Bleap charges… Bybit Card: issuance Virtual free, annual Free, 0.5-7% on foreign-currency spend depending on the… Neither card charges for issuance or annual membership, so the difference comes down to FX fees.

Bleap Card: 1% cashback. Bybit Card: 1% EEA base; 2-10% VIP cashback (capped). Rates can depend on tier, staking or caps, so check each card's page for the conditions.

Bleap Card: Self-custody. Bybit Card: Custodial. Bleap Card keeps your crypto in your own wallet until you spend it, so the issuer never controls your funds.

Bleap Card supports Apple Pay and Google Pay. Bybit Card supports Apple Pay and Google Pay.

Bleap Card: Europe. Bybit Card: several regions. Check each card's detail page for the full country list.

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