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Comparing Nexo 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:
These two are close: Nexo at 4.5/5 vs Bybit at 4.2/5. Nexo has a small lead, but which card works better depends on what you need.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Mastercard Credit/Debit | Mastercard; Visa |
| Custody | Custodial | Custodial |
| Costs | ||
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| FX fee | 0.2% EEA/UK/CH; 2% elsewhere; +0.5% weekends. Free FX allowances by loyalty tier (€3K-20K/mo) | 0.5% EEA/CH/MX; 1% AU; 2% APAC (non-AU); 1.5% Brazil; 7% Argentina + 0.9% crypto conversion |
| Rewards | ||
| Cashback | Up to 2% (Tiers) | 2% (Tiers, cap $10/mo) |
| Yield on spendable balance | Yes | 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 (Malta-based personal IBAN); SEPA yes (SEPA Instant); SWIFT not disclosed | IBAN: Yes (EUR deposit IBAN via SEPA); SEPA: Yes; SWIFT: Not disclosed |
| Daily spend limit | Based on credit line or account balance | €5000/day standard; €20000/day Level 3 |
| ATM withdrawal limit | €200-€2000/month free (by tier), 2% after; €600/transaction | First €100/month free in EEA, then 2%; other regions: first withdrawal free, then 2% |
| Top-up methods | 100+ digital assets from Nexo account including BTC, ETH, stablecoins | BTC, ETH, XRP, USDT, USDC, TON, BNB, MNT (8 cryptos, region-dependent) |
| Regions | EEA and the United Kingdom, plus Argentina since 8 July 2026EEA and the United Kingdom, plus Argentina since 8 July 2026. Nexo publishes no country list and no count - its own wording is selected European countries, including the EEA and the United Kingdom. Virtual card only: Nexo states on two help pages that ordering physical cards is temporarily unavailable | 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 | DiPocket UAB — Lithuania (EMI No. 75)Named in the card terms | Not disclosedThe programme does not name its issuer |
| Our read | ||
| Strengths |
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| Get Nexo Card | Get Bybit Card | |
Nexo Card is the better card here. 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: Nexo Card (4.5/5) is the stronger option for most people compared to Bybit Card (4.2/5).
