Tuyo Card vs Bybit Card: 2026 Comparison
Comparing Tuyo 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: Tuyo at 3.9/5, Bybit at 3.8/5. A 0.1-point gap is inside the formula's own rounding, so treat them as level. What moves the score for Tuyo: self-custody, no issuance or annual fee, crypto rewards.
Tuyo:
Bybit:
Side by side
| Feature | Tuyo Card 3.9 out of 5, Sweepbase rating Get card Tuyo Card | Bybit Card 3.8 out of 5, Sweepbase rating Get card Bybit Card |
|---|---|---|
| Overview | ||
| Card type | Virtual | Virtual + Physical |
| Network | Visa | Mastercard Debit in the EEAThe fine print
|
| Custody | Strength: Self-custody | Custodial |
| Costs | ||
| Issuance fee | Strength: Free | Strength: Virtual freeThe fine print
|
| Annual fee | Strength: Free | Strength: Free |
| FX fee | Up to 2% on a purchase in a currency other than USD made outside the US: a 1% FX fee plus a 1% abroad fee from the card…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: Crypto rewards | 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 AustraliaThe fine print
|
| Bank account in your name | Strength: Virtual accounts via Bridge: EUR IBAN takes SEPAThe fine print
| Strength: IBAN: Yes (EUR deposit IBAN via SEPA); SEPA: Yes; SWIFT: Not disclosed |
| Daily spend limit | Up to $50,000 a day for new cards, rising to $100,000 after $50,000 of total purchases and to $200,000 after $100,000The fine print
| 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 | $250 per withdrawal including any ATM surcharge; at most 3 ATM attempts in a rolling 24 hours, declined attempts included; Visa ATMs, virtual card with PIN | EEA: first 100 EUR a month free, then 2%The fine print
|
| Top-up methods | USDC on Base in the Cash section; other tokens and networks converted to USDC on Base in the app; USD, EUR and MXN bank deposits converted to USDC | 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 | Worldwide except the United Kingdom, India, Israel, Nigeria, Turkey, Ukraine, Vietnam and other listed countries; state limits apply inside the United States | 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 | Third 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 terms | Harmoniie SAS (with Moorwand Ltd), France (ACPR, CIB 17478); Mastercard licence held by Moorwand Ltd (UK)Named in the card terms |
| Our read | ||
| Strengths |
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| Trade-offs | Nothing flagged by these checks |
|
Which scores higher
Nothing in the formula favours Bybit over Tuyo. What the formula cannot see is where you live and what you spend on: if Bybit is sold in your country and Tuyo is not, that settles it, and the Regions row above is where to check.
Tuyo vs Bybit: FAQ
Tuyo Card scores higher on the Sweepbase formula, at 3.9/5. What moves the score: self-custody, no issuance or annual fee, crypto rewards. The formula does not know where you live or how you spend, so check availability and fees for your own case.
Tuyo Card: issuance Free, annual Free, FX Up to 2% on a purchase in a currency other than USD made… 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.
Tuyo Card: Crypto rewards. 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.
Tuyo Card: Self-custody. Bybit Card: Custodial. Tuyo Card keeps your crypto in your own wallet until you spend it, so the issuer never controls your funds.
Tuyo Card supports Apple Pay and Google Pay. Bybit Card supports Apple Pay and Google Pay.
Tuyo Card: Worldwide except UK. Bybit Card: several regions. Check each card's detail page for the full country list.