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Comparing Holyheld Card and Bybit Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
Holyheld rates 4.6/5, slightly ahead of Bybit at 4.2/5. Both are solid options, but Holyheld is the better pick for most people.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Mastercard Debit | Mastercard; Visa |
| Custody | Self-custody | Custodial |
| Costs | ||
| Issuance fee | Classic €29; Limited €99; Metal €199 | Free |
| Annual fee | Free (€1/mo inactivity fee after 4 months no card use) | Free |
| FX fee | 0% in EUR inside the EEA0% in EUR inside the EEA; 2.5% + €1 outside it; on top of that the issuer applies a separate 3% mark-up over the Mastercard rate to any transaction not in EUR, published only in the Unlimit fee schedule while Holyheld's own pages say 0% FX — a foreign-currency purchase abroad pays both | 0.5% EEA/CH/MX; 1% AU; 2% APAC (non-AU); 1.5% Brazil; 7% Argentina + 0.9% crypto conversion |
| Rewards | ||
| Cashback | Up to 1% | 2% (Tiers, cap $10/mo) |
| Yield on spendable balance | NoThe issuer pays yield, but in a separate product | Yes |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay; Samsung Pay in EEA/Switzerland; Google Pay only in APAC) |
| Bank account in your name | IBAN yes (Cyprus-based personal IBAN), SEPA yes, SWIFT not disclosed | IBAN: Yes (EUR deposit IBAN via SEPA); SEPA: Yes; SWIFT: Not disclosed |
| Daily spend limit | €10000/day | €5000/day standard; €20000/day Level 3 |
| ATM withdrawal limit | €1000/day; €5000/month; €60000/year | First €100/month free in EEA, then 2%; other regions: first withdrawal free, then 2% |
| Top-up methods | 1,200+ tokens across 20+ networks; connect your own wallet, convert to EUR and move it to the account balance; gasless approvals on external-wallet top-up; SEPA in via personal IBAN | BTC, ETH, XRP, USDT, USDC, TON, BNB, MNT (8 cryptos, region-dependent) |
| Regions | 30 EEA countries only | EEA via bybit.eu, where Bybit's stated eligibility is a proof of address from eligible EU…EEA via bybit.eu, where Bybit's stated eligibility is a proof of address from eligible EU countries except Croatia and Ireland, plus Liechtenstein or Norway - Bybit publishes no country count. Everything outside the EEA runs on bybit.com, which lists nine card regions: Argentina, Brazil, Mexico, Peru, Australia, AIFC, Georgia, Kazakhstan and Asia Pacific. Not available in the US, Canada or Singapore, and not part of the UK relaunch. Switzerland unresolved: the EEA application guide is titled EEA and CH and accepts Swiss ID, but the proof-of-address list does not name Switzerland |
| Behind the card | ||
| Card issuer | Unlimit EU Ltd — Cyprus (Central Bank of Cyprus EMI, company number HE 328641)Named in the card terms | Not disclosedThe programme does not name its issuer |
| Our read | ||
| Strengths |
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| Trade-offs | Nothing flagged by these checks |
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| Get Holyheld Card | Get Bybit Card | |
Holyheld Card is the better card here. With self-custody, your crypto stays in your wallet until you actually spend it, unlike Bybit where the issuer holds your funds. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Bybit may be better if you need broader regional coverage.
In short: Holyheld Card (4.6/5) is the stronger option for most people compared to Bybit Card (4.2/5).
