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Ether.fi Cash Card vs Bybit Card: 2026 Comparison

Comparing Ether.fi Cash 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:

Ether.fi Cash scores 4.9/5 on the Sweepbase formula and Bybit scores 3.8/5, a gap of 1.1 points. The Strengths row in the table lists what each card is credited for. What moves the score for Ether.fi Cash: self-custody, no issuance or annual fee, up to 3% cashback.

Ether.fi Cash:
Bybit:

Side by side

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

Ether.fi Cash Card 4.9 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
NetworkVisa SignatureMastercard 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: First virtual card free (Core 1, Luxe 4, Pinnacle 10, VIP 50), except that Core members in Argentina, Angola…
The fine print
  • … Bangladesh, Bolivia, Colombia, Ecuador, Indonesia, Malaysia, Mexico, Nigeria, Peru, Philippines, South Africa and Thailand pay $10 for the first virtual card under regional pricing
  • Additional virtual $10 (VIP none)
  • Physical: none free on Core, 1 metal free on Luxe, 2 on Pinnacle and VIP
  • An additional physical card costs $50 on Core and $100 on Luxe and Pinnacle
  • Delivery "within 15+ business days", Pinnacle 1 to 3 business days
  • Cancellation only within 24 hours
  • Card fees are deducted from the account balance
 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; Luxe and Pinnacle can be bought outright at $199/year and $999/year instead of earning them with points Strength: Free
FX fee0% on USD purchases
The fine print
  • Every other currency pays a 1% base foreign transaction fee plus a tier margin of up to 0.5% on Core and up to 0.25% on Luxe, per the international cardholder agreement last modified 8 Sep 2026, so a Core holder pays about 1-1.5% over the Visa rate
  • The help centre (3 Nov 2026) prints only the tier margin (Core 0.5%, Luxe 0.25%, none on Pinnacle and VIP) and leaves out the 1%
  • EUR at 0% rests on a help article of 24 Jun 2026 that calls the feature beta
  • The agreement has no EUR exception
  • FX still applies if the merchant charges a third currency or the terminal runs dynamic currency conversion
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: Up to 3% (Tiers) Strength: 1% EEA base; 2-10% VIP (capped)
Yield on spendable balance Strength: Yes Strength: Yes
Access
Apple / Google Pay Strength: Yes (Apple Pay; Google Pay) 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, EUR in and out via ether.fi's banking provider: receive as EURC €0.90, receive as USDC €0.90 plus 0.15%…
The fine print
  • … outgoing SEPA €0.90 plus any FX conversion, SEPA Instant deposits where the sending bank supports it
  • No universal ether.fi minimum and no tier-based transfer limits, provider limits shown before confirmation
  • IBAN: the SEPA article shows deposit details for an account "created for you with our third party provider" but does not call it a personal IBAN
  • SWIFT: Yes for non-US residents, "generate your personal virtual bank account" with an account number and SWIFT code, $20 plus 0.1% per transfer
  • US ACH $0.50 plus 0.1% and FedWire $20 plus 0.1% via virtual USD account details
  • UK Faster Payments: unique sort code and account number, deposits only, £0.90 plus 0.20%
  • Every inbound fiat transfer lands as a stablecoin
 Strength: IBAN: Yes (EUR deposit IBAN via SEPA); SEPA: Yes; SWIFT: Not disclosed
Daily spend limitSelf-set in-app
The fine print
  • Defaults: daily card limit $5,000, daily vault limit $10,000, monthly vault limit $10,000, all adjustable by the cardholder
  • Weekly caps by merchant category: $500 (crypto, gambling, cash-like), $1,000 (securities, dating), $3,000 (wallets, pharmacies, government)
EEA: 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 limitUp to $5,000 per withdrawal, 5 withdrawal attempts and $25,000 per rolling 24 hours, the same on every tier and both…
The fine print
  • … card types
  • Declined attempts count toward the 5
  • Ether.fi fee: free up to 10 withdrawals a month on Core and Luxe, free and unlimited on Pinnacle and VIP
  • The fee from the 11th withdrawal on Core and Luxe is not published, and ATM operator fees are separate
  • The virtual card works at contactless ATMs through Apple Pay or Google Pay, the physical card at any Visa ATM, both with a PIN
  • Was $1,000 per withdrawal and 5 per 24 hours on 24 September 2026, and $500 and 3 withdrawals until August 2026
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, EURC, frxUSD, eUSD, wETH, weETH, eBTC, ETHFI, sETHFI, wHYPE, SCR, LiquidETH, LiquidBTC, LiquidUSD…
The fine print
  • … LiquidReserve via Ethereum, Base, Arbitrum, Scroll, Solana, Tron (Direct Pay: USDC, LiquidUSD only; Solana USDC and Tron USDT: no-fee 1:1 transfer)
Spends 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
Regions91 countries and territories: 88 with virtual and physical cards, Belgium and Ireland with virtual cards only, and the…
The fine print
  • … United States
  • Most of Europe including Hungary, Norway, Liechtenstein and Monaco, except the Netherlands, Finland and Estonia
  • The UK, Guernsey, Jersey and the Isle of Man
  • The Americas and much of the Caribbean
  • UAE, Saudi Arabia, Bahrain, Oman, Hong Kong, Japan, South Korea, Taiwan, Singapore and selected Asia-Pacific
  • South Africa, Angola and Nigeria
  • United States: thirty states plus the District of Columbia
  • Not available in Arizona, Delaware, Georgia, Idaho, Louisiana, Maryland, Mississippi, Missouri, Montana, Nevada, New Mexico, North Dakota, Ohio, Oregon, Rhode Island, South Dakota, Tennessee, Vermont, Washington or Wisconsin
  • Not available in India, Israel, Turkey, Ukraine, Vietnam, China, Russia or any other jurisdiction the list omits
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 issuerThird National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policyNamed 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
  • Cashback: Up to 3% (Tiers)
  • Spendable balance earns
  • Apple Pay and Google Pay
  • Bank account in your name
  • Premium Visa Signature tier
  • 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

Nothing in the formula favours Bybit over Ether.fi Cash. What the formula cannot see is where you live and what you spend on: if Bybit is sold in your country and Ether.fi Cash is not, that settles it, and the Regions row above is where to check.

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Ether.fi Cash vs Bybit: FAQ

Ether.fi Cash Card scores higher on the Sweepbase formula, at 4.9/5. What moves the score: self-custody, no issuance or annual fee, up to 3% cashback. The formula does not know where you live or how you spend, so check availability and fees for your own case.

Ether.fi Cash Card: issuance First virtual card free…, annual Free, FX 0% on USD purchases. 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.

Ether.fi Cash Card: Up to 3% 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.

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

Ether.fi Cash Card supports Apple Pay and Google Pay. Bybit Card supports Apple Pay and Google Pay.

Ether.fi Cash Card: 91 countries. Bybit Card: several regions. Check each card's detail page for the full country list.

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