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Xplace Card vs Bybit Card: 2026 Comparison

Comparing Xplace Card and Bybit Card on fees, cashback, custody, and where each card is available.

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:

Xplace scores 4.6/5 on the Sweepbase formula and Bybit scores 3.8/5, a gap of 0.8 points. The Strengths row in the table lists what each card is credited for. What moves the score for Xplace: self-custody, up to 2% cashback.

Xplace:
Bybit:

Side by side

Side-by-side comparison of Xplace Card, Bybit Card. Scroll horizontally to see all columns.
Feature

Xplace Card 4.6 out of 5, Sweepbase rating

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Bybit Card 3.8 out of 5, Sweepbase rating

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Overview
Card typeVirtual + Physical. Physical cards are live for Silver; Gold and Platinum physical cards are coming soonVirtual + Physical
NetworkVisa CreditMastercard Debit in the EEA
The fine print
  • Mastercard Prepaid in Argentina, Australia, Georgia, Kazakhstan and AIFC
  • Mastercard Credit in Mexico and Brazil
  • Visa Prepaid in Peru
  • Visa Credit in Asia Pacific
Custody Strength: Self-custodyCustodial
Costs
Issuance fee Strength: Free Strength: Virtual free
The fine print
  • Physical card in the EEA free on first issuance and 5 EUR for a replacement per the fee table updated 8 October 2026, although the EEA card landing page still says $5 or 5 USDC
  • Physical 5 USD or USDT in Argentina, 5 USDT in Asia Pacific, 29.99 USD in Australia, 29.99 USDT in Georgia and Kazakhstan (AIFC), free in Brazil and Mexico
  • No physical card in Peru
Annual feeBasic free; Silver $99/yr; Gold $249/yr; Platinum $999/yr Strength: Free
FX fee1% on Basic, 0.5% on Silver, 0.25% on Gold, 0% on Platinum ($999/yr)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
  • … 2026, although its card landing page still says 1%
  • 1.5% Brazil
  • 2% Mexico, Peru, Australia, Asia Pacific and Georgia, with a 2% international fee on cross-border purchases in Kazakhstan (AIFC)
  • 7% Argentina
  • Plus a 0.9% crypto conversion fee when the payment is funded with crypto (0.5% in Argentina)
Rewards
Cashback Strength: Up to 2% (Tiers) Strength: 1% EEA base; 2-10% VIP (capped)
Yield on spendable balanceNoThe issuer pays yield, but in a separate product 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 Australia
The fine print
  • Apple Pay and Google Pay in Argentina, AIFC, Georgia, Kazakhstan, Brazil and Peru
  • Google Pay only in Asia Pacific and Mexico
Bank account in your nameNo Strength: IBAN: Yes (EUR deposit IBAN via SEPA); SEPA: Yes; SWIFT: Not disclosed
Daily spend limitBased on collateral and tierEEA: 5,000 EUR a day on Tier 1, 10,000 EUR on Tier 2, 15,000 EUR on Tier 3
The fine print
  • Elsewhere: Australia 50,000 USD
  • Argentina 1,000 USD per transaction and 5,000 USD a day
  • Brazil 27,500 BRL
  • Mexico 97,000 MXN
  • Georgia and Kazakhstan 15,000 USD
  • Peru 1,000 USD
  • Asia Pacific 10,000 USD on Tier 1, 50,000 USD on Tier 2, 100,000 USD on Tier 3
ATM withdrawal limitNot available (no cash advances or ATM withdrawals)EEA: first 100 EUR a month free, then 2%
The fine print
  • Up to 2,000 EUR a day on the physical card
  • Other regions: 2% after a monthly free allowance of 100 USD, 550 BRL in Brazil, 95,000 ARS in Argentina or 1,800 MXN in Mexico
  • Per-region caps, e.g. 50 USD a day on Australia Level 1 and 3,000 USD a day on Asia Pacific Level 2 and 3
  • ATM not supported in Peru
Top-up methodsBTC (cbBTC), ETH (wETH), SOL, JitoSOL, USDC, USDT and xStocks tokenized equities on Solana (collateral for borrowing)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
  • … in the EEA
  • Local fiat plus BTC, ETH, XRP, USDT, USDC and GRAM elsewhere
RegionsNo published availability list - x.place documents geography only by exclusion
The fine print
  • Operator: Pontech Group L.L.C-FZ
  • Issuer Third National, named once in each of the US and international card terms, which is the same rail Hyperbeat runs on and the reason both publish an identical blocklist
  • Prohibited: Belarus, China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela, Vietnam
  • Its own two lists of barred US states disagree - 16 in the terms against 19 on the Prohibitions page
  • The 160+ figure is Visa acceptance rather than availability: the homepage reads Visa cards are accepted in 160+ countries
EEA via bybit.eu: 29 supported EEA countries, the EU-27 except Malta plus Iceland, Liechtenstein and Norway
The fine print
  • Outside the EEA, bybit.com runs separate card programmes for Argentina, Brazil, Mexico, Peru, Australia, AIFC, Georgia, Kazakhstan and Asia Pacific, and says the card is only available in limited countries
  • The bybit.com card is not available to EEA customers
  • The old bybit.com EUR card for the EEA and Switzerland had to be replaced by 31 December 2025, and Switzerland is not in the bybit.eu list
Behind the card
Card issuerThird 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 termsHarmoniie SAS (with Moorwand Ltd), France (ACPR, CIB 17478); Mastercard licence held by Moorwand Ltd (UK)Named in the card terms
Our read
Strengths
  • You hold the keys
  • Free issuance
  • Cashback: Up to 2% (Tiers)
  • Apple Pay and Google Pay
  • Virtual and physical
  • No issuance or annual fee
  • Cashback: 1% EEA base; 2-10% VIP (capped)
  • Spendable balance earns
  • Apple Pay and Google Pay
  • Bank account in your name
  • Virtual and physical
Trade-offsNothing flagged by these checks
  • Issuer holds your funds

Which scores higher

Xplace leads on the formula, but the score is a sum, and Bybit wins some of its terms: the balance Bybit spends from earns yield, and the one Xplace spends from does not; Bybit charges nothing to issue or hold the card, and Xplace does. If one of those is the thing you care about, read that row above before the score.

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Xplace vs Bybit: FAQ

Xplace Card scores higher on the Sweepbase formula, at 4.6/5. What moves the score: self-custody, up to 2% cashback. The formula does not know where you live or how you spend, so check availability and fees for your own case.

Xplace Card: issuance Free, annual Basic free, FX 1% on Basic, 0.5% on Silver, 0.25% on Gold, 0% on Platinum… 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.

Xplace Card: Up to 2% 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.

Xplace Card: Self-custody. Bybit Card: Custodial. Xplace Card keeps your crypto in your own wallet until you spend it, so the issuer never controls your funds.

Xplace Card supports Apple Pay and Google Pay. Bybit Card supports Apple Pay and Google Pay.

Xplace Card: no published availability list. Bybit Card: several regions. Check each card's detail page for the full country list.

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