Holyheld Card vs Bybit Card: 2026 Comparison
Comparing Holyheld Card and Bybit Card on fees, cashback, custody, and where each card is available.
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The short version:
These two are close: Bybit at 3.8/5, Holyheld at 3.6/5. A 0.2-point gap is inside the formula's own rounding, so treat them as level. What moves the score for Bybit: no issuance or annual fee, 1% EEA base; 2-10% VIP cashback (capped).
Holyheld:
Bybit:
Side by side
| Feature | Holyheld Card 3.6 out of 5, Sweepbase rating Get card Holyheld Card | Bybit Card 3.8 out of 5, Sweepbase rating Get card Bybit Card |
|---|---|---|
| Overview | ||
| Card type | Debit card; the current pages do not say whether it is virtual, physical or both, and publish no card tiers | Virtual + Physical |
| Network | Debit, card network not named on Holyheld's current pages | Mastercard Debit in the EEAThe fine print
|
| Custody | Hybrid: the Terms say Holyheld provides no custodial services and you connect your own wallet, but the card spends from…The fine print
| Custodial |
| Costs | ||
| Issuance fee | Not published: the personal pricing page lists only the membership and transfer fees | Strength: Virtual freeThe fine print
|
| Annual fee | CHF 0 a year for the personal membership, by invitation; no card fee is published | Strength: Free |
| FX fee | Not published: the Terms list no card FX fee and say fees are notified in the account, and the pricing page lists only…The fine print
| 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
|
| Rewards | ||
| Cashback | Strength: Not published | Strength: 1% EEA base; 2-10% VIP (capped) |
| Yield on spendable balance | No | Strength: Yes |
| Access | ||
| Apple / Google Pay | Strength: Not published: Holyheld's current personal page, pricing page and Terms do not mention Apple Pay or Google Pay | Strength: Yes: Apple Pay, Google Pay and Samsung Pay in the EEA and AustraliaThe fine print
|
| Bank account in your name | Strength: IBAN yes, a personal IBAN through Holyheld's partnersThe fine print
| Strength: IBAN: Yes (EUR deposit IBAN via SEPA); SEPA: Yes; SWIFT: Not disclosed |
| Daily spend limit | Not published on Holyheld's current pages | EEA: 5,000 EUR a day on Tier 1, 10,000 EUR on Tier 2, 15,000 EUR on Tier 3The fine print
|
| ATM withdrawal limit | Not published on Holyheld's current pages | EEA: first 100 EUR a month free, then 2%The fine print
|
| Top-up methods | Connect your own wallet and exchange crypto-assets into the fiat account (off-ramp, 1%)The fine print
| 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
|
| Regions | Not published by country. Personal membership is by invitation, and the current Terms govern users who are residents of, or located in, Switzerland | EEA via bybit.eu: 29 supported EEA countries, the EU-27 except Malta plus Iceland, Liechtenstein and NorwayThe fine print
|
| Behind the card | ||
| Card issuer | Unlimit EU Ltd, Cyprus (Central Bank of Cyprus EMI, company number HE 328641)Inferred, not stated by the issuer | Harmoniie SAS (with Moorwand Ltd), France (ACPR, CIB 17478); Mastercard licence held by Moorwand Ltd (UK)Named in the card terms |
| Our read | ||
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Which scores higher
Nothing in the formula favours Holyheld over Bybit. What the formula cannot see is where you live and what you spend on: if Holyheld is sold in your country and Bybit is not, that settles it, and the Regions row above is where to check.
Holyheld vs Bybit: FAQ
Bybit Card scores higher on the Sweepbase formula, at 3.8/5. What moves the score: no issuance or annual fee, 1% EEA base; 2-10% VIP cashback (capped). The formula does not know where you live or how you spend, so check availability and fees for your own case.
Holyheld Card: issuance Not published: the personal pricing page lists only the…, annual CHF 0 a year for the personal membership, by invitation, Not published: the Terms list no card FX fee and say fees… Bybit Card: issuance Virtual free, annual Free, 0.5-7% on foreign-currency spend depending on the… You can compare total annual cost using our fee calculator.
Holyheld Card: Not published 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.
Holyheld Card: Hybrid custody. Bybit Card: Custodial. Each card page quotes how its terms describe who holds the funds.
Holyheld Card supports Apple Pay and Google Pay. Bybit Card supports Apple Pay and Google Pay.
Holyheld Card: no published availability list. Bybit Card: several regions. Check each card's detail page for the full country list.