CARD PROFILE · FULL KYC
Bybit Card.
Major exchange card with 0% top-up and 0.9% conversion. February 2025 $1.5B hack incident (Lazarus Group), client funds reportedly unaffected. VIP perks require $100K+ balance.
Cost / $100
$2.90
Top-up fee
Free
Network
Mastercard
Card type
Virtual + Physical
IBAN
No
Monthly limit
$25,000
Status
Issues reported
Pros.
- +0% top-up fee (auto-conversion at purchase)
- +Free virtual card issuance
- +Google Pay & Samsung Pay
- +Up to 10% cashback for VIP ($100K+ balance)
- +100% rebates on Netflix, Spotify, Prime, ChatGPT for VIP
- +0.9% crypto conversion — competitive rate
Cons.
- −⚠️ February 2025: $1.5 billion hack (Lazarus Group) — client funds not affected
- −Full KYC required (passport + address proof within 3 months)
- −Permanent card blocks reported for 'compliance reasons' without explanation
- −Deceptive 10% cashback: requires $25K/month spend, cap $600/month = real max 2.4%
- −Russia explicitly blocked
- −Trustpilot 2.4/5 (7,000+ reviews) — contradictory ratings
- −0.5-2% FX fee depending on region
- −Physical card: €5 (EEA), $29.99 (AIFC)
- −AIFC tier: ATM withdrawals not supported
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
Free
Transaction fee
0%
FX fee
2%
Issuance
Free
Monthly
Free
Cost / $100
$2.90
0% top-up. 0.9% crypto conversion. FX: 2% (AIFC), 0.5% (EEA/moved to bybit.eu). ATM: 2% after free $100/month. Virtual: free. Physical: $29.99 (AIFC). Cashback: 0.2% (non-VIP) to 10% (VIP).
COVERAGE
Where it works.
Supported coins
BTCETHUSDTUSDCXRPTONSOLADADOGEAVAXMATICBNBMNTEURC
Chains
EthereumBitcoinTronBSCSolanaTONPolygonArbitrum
Use cases
Online · IRL
Blocked countries
USCACNHKSGKPCUIRSYSDUZGBHRISIELIROFRAE
WALLETS
Apple PayNo
Google PayYes
ATMNo
REPUTATION
Trustpilot
3.1/5
7135 reviews
Monevia score
76/100
Verified 2026-04-30
ALTERNATIVES