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Comparing Plutus Card and Bybit Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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:
Bybit scores 4.2/5 on Sweepbase vs 3.4/5 for Plutus. That gap shows up mostly in fees and feature coverage.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Visa Debit | Mastercard; Visa |
| Custody | Custodial | Custodial |
| Costs | ||
| Issuance fee | GBP 9.99 physical card (optional) | Free |
| Annual fee | GBP 6.99/mo (Starter), GBP 9.99/mo (Everyday), GBP 19.99/mo (Premium) | Free |
| FX fee | 2.5% FX fee on foreign currency transactions | 0.5% EEA/CH/MX; 1% AU; 2% APAC (non-AU); 1.5% Brazil; 7% Argentina + 0.9% crypto conversion |
| Rewards | ||
| Cashback | 3% (Tiers, cap GBP 250/mo) | 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 (Netherlands EUR IBAN), SEPA yes, UK sort code/acct; SWIFT not disclosed | IBAN: Yes (EUR deposit IBAN via SEPA); SEPA: Yes; SWIFT: Not disclosed |
| Daily spend limit | Based on tier (£250-£22000/month for 3% rate) | €5000/day standard; €20000/day Level 3 |
| ATM withdrawal limit | €300/day, 1% + €1.35 fee per withdrawal | First €100/month free in EEA, then 2%; other regions: first withdrawal free, then 2% |
| Top-up methods | GBP fiat deposits from UK bank account | BTC, ETH, XRP, USDT, USDC, TON, BNB, MNT (8 cryptos, region-dependent) |
| Regions | UK and EEA 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 | Modulr FS Limited — UK (FCA FRN 900573); EEA via Modulr Finance B.V. (DNB R182870)Named in the card terms | Not disclosedThe programme does not name its issuer |
| Our read | ||
| Strengths |
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| Trade-offs |
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| Get Plutus Card | Get Bybit Card | |
Bybit Card is the better card here. Bybit also lets you earn yield on your deposits, something Plutus doesn't offer. Zero fixed costs give Bybit a cost advantage from day one. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Plutus may be better if you need something it does better.
In short: Bybit Card (4.2/5) is the stronger option for most people compared to Plutus Card (3.4/5).
