Overview

The program linked here is Bybit EU; its terms must not be applied automatically to Bybit cards in other regions. Purchases use the Funding Account, converting non-fiat balances when needed. The published EU schedule charges 0.9% for crypto conversion above the One-Click Sell rate and 0.5% FX above the card-network rate. There is no annual or inactivity fee; ATM withdrawals cost 2% after the first €100 each month, excluding operator fees. Standard eligible spending earns 1% cashback without a monthly cap; VIP and welcome benefits have separate conditions, so 10% is not the default return. Application depends on identity verification and supported European residence. Use the app to freeze the card, review limits and track available funds. Check the current EU reward and fee schedules before choosing between cash and crypto funding.