Bybit Card vs SafePal
Bybit Card and SafePal approach crypto card spending from fundamentally different foundations. Bybit Card is a Mastercard tied directly to the Bybit exchange — cashback scales with your VIP tier, spending draws from your exchange balance, and the whole product assumes you’re an active Bybit trader. SafePal is a self-custody wallet with a FINMA-regulated Swiss banking layer — no exchange dependency, no tier system, no cashback, but a proper Swiss IBAN in your own name. One rewards exchange loyalty. The other prioritises financial sovereignty with regulated banking infrastructure.
Editorial Score
88%
78%
Key Facts
| Card Network | Visa, Mastercard | Mastercard |
|---|---|---|
| Crypto Support | BTC, ETH, USDT, USDC, XRP, TON, MNT | USDC, BTC, ETH, USDT, TRX,BNB,POL,TON |
| Card Issuer | Moorwand Ltd (UK) / Harmoniie SAS (EEA) | Fiat24 AG (FINMA-regulated Swiss bank) |
| Card Types | Virtual, Physical | Virtual, Physical |
| Availability | EEA, Switzerland, Australia, Argentina, Brazil, Mexico, AIFC, Asia Pacific | EEA countries, Switzerland + select regions (SEA, UAE) |
| KYC Required | Yes — full KYC + address verification | Yes — Standard KYC via Fiat24 onboarding |
| Custody Model | Custodial (Bybit Funding Account) | Hybrid — non-custodial SafePal wallet + custodial Fiat24 bank account for fiat |
| Card Validity | 3 years | 3 to 5 years |
| Card Tiers | Non-VIP, VIP 1, VIP 2, VIP 3, VIP 4, Supreme VIP | Tier 1–3 (based on SFP token holdings and referral activity) |
| Fiat Currencies | EUR, GBP, AUD, BRL, ARS, USD, MXN, COP, CRC | EUR, USD, GBP, CHF, JPY |
| Supported Devices | iOS, Android, Web | iOS, Android, Web |
Pricing & Fees
| Virtual Card Cost | Free | Free |
|---|---|---|
| Physical Card Cost | $5 | Free |
| Annual Fee | Free | Free |
| Top-up Fee | Free | 0.6% |
| Minimum Top-up | $0 | $10 USDC |
| FX Fee | 1% to 7% | unknown |
| ATM Withdrawal Fee | Free up to $100/month; 2% thereafter | 2% |
| Crypto Conversion Fee | 0.9% | Free |
| Card Replacement Fee | $5 | Unknown |
| Inactivity Fee | Free | $0 |
| Transaction Fee | Free | Free |
| Refund Fee | Free | Free |
Card Features
| Virtual Card | Yes | Yes |
|---|---|---|
| Physical Card | Yes | Yes |
| Apple Pay | No | Yes |
| Google Pay | Yes | Yes |
| ATM Withdrawal | Yes | Yes |
| Rewards Program | Yes — 2% to 10% tiered cashback | Gas Free Transactions |
| Cashback Token | Unknown | No |
| Special Benefit | 100% subscription rebates (Netflix, Spotify, Amazon Prime, ChatGPT, TradingView) for VIP users; event-based cashback (e.g., Tomorrowland) | Personal Swiss IBAN account; on-chain NFT credentials on Arbitrum; SafePal hardware wallet integration |
| Subscription Rebates | Yes — Netflix, Spotify, Amazon Prime, ChatGPT, TradingView (VIP tiers) | No |
| Earning | Yes — up to 8% APY via Bybit Earn on idle funds | SFP token staking rewards |
| Mobile App Controls | Yes (freeze/unfreeze, spending limits, category toggles) | Yes (full card management, spending limits, freeze in SafePal app) |
| Security Controls | EMV 3D Secure, 2FA, instant freeze, MiCAR-compliant | Air-gapped signing (hardware wallet), multi-layer encryption, private key self-custody, 2FA |
Limits
| Per-Transaction Limit | $1,000 to $13,500 (depends on region) | $20,000 (up to 500 txn) |
|---|---|---|
| Daily Spending Limit | $5,000 to $15,000 (depends on region) | $10,000 (up to 100 txn) |
| Monthly Spending Limit | $10,000 to $65,000 (depends on region) | $1,000–$100,000/month (tier dependent) |
| ATM Daily Limit | €2,000 to $3,000 (depends on region) | unknown |
| ATM Monthly Limit | $1,800 to $10,000 (depends on region) | unknown |
| Top-up Min. Limit | $10 | — |
| Top-up Max. Limit | Unlimited | — |
| Top up Min. Limit | — | $1 |
| Top up Max. Limit | — | Unlimited |
Customer Care
| Support Channels | 24/7 in-app live chat, ticket/email support, Help Center | In-app support, Zendesk ticket, email, Telegram community |
|---|---|---|
| Response Time | Generally responsive within 24 hours; limit increase reviews up to 7 business days | Bots support and direct user to FAQ, Lack of information in FAQ |
| Languages Supported | Multilingual — English, Chinese, Spanish, French, Russian, Japanese, and others | 16 languages (English, Chinese, and others across SafePal ecosystem) |
| Knowledge Base | Yes — bybit.com/en/help-center | Yes — banking help center at safepal.com |
| Refund Handling | Standard Mastercard chargeback process; card disputes handled via Bybit support | Standard Mastercard refund process via Fiat24 banking gateway |
| User Reviews | Positive for card specifically | Too much KYC; praised for non-custodial design and Swiss banking integration. User base mainly from US |
| Trust Score | ~3.1/5 (Bybit Trustpilot overall); card-specific reviews more positive | 4.2/5 ; established brand backed by Binance Labs; no major security incidents reported |
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| Card Type | Virtual (incl. Lite) & Physical | Virtual & Physical Mastercard (SafePal Banking Gateway) |
|---|---|---|
| Min Top-up | No separate card top-up minimum; €100 initial account funding required (EEA) | 10 |
| Approval Time | Virtual: Minutes (after KYC); review can take up to 7 working days in some cases | Long step of KYC and Fiat24 account approval |
| Bonus Offer | Up to 10% cashback first month on lifestyle spending (max 150 USDT); VIP referral bonus 20 USDT | Free SafePal X1 hardware wallet ($69.99 value) for new KYC completions |
| Card Delivery Time | Virtual: Instant after approval; Physical: 7–14 days (varies by region) | Virtual: Instant; Physical: Standard postal delivery (varies by region) |
| Region Warning | Not available in US, Singapore, Hong Kong, France, Croatia, Ireland, or certain other excluded jurisdictions | EEA countries , Switzerland , Canada, Malaysia, China, New Zealand, Australia Only. Full KYC and Fiat24 onboarding required. |
Bybit Card
Get Bybit CardKey Facts
| Card Network | Visa, Mastercard |
|---|---|
| Crypto Support | BTC, ETH, USDT, USDC, XRP, TON, MNT |
| Card Issuer | Moorwand Ltd (UK) / Harmoniie SAS (EEA) |
| Card Types | Virtual, Physical |
| Availability | EEA, Switzerland, Australia, Argentina, Brazil, Mexico, AIFC, Asia Pacific |
| KYC Required | Yes — full KYC + address verification |
| Custody Model | Custodial (Bybit Funding Account) |
| Card Validity | 3 years |
| Card Tiers | Non-VIP, VIP 1, VIP 2, VIP 3, VIP 4, Supreme VIP |
| Fiat Currencies | EUR, GBP, AUD, BRL, ARS, USD, MXN, COP, CRC |
| Supported Devices | iOS, Android, Web |
Pricing & Fees
| Virtual Card Cost | Free |
|---|---|
| Physical Card Cost | $5 |
| Annual Fee | Free |
| Top-up Fee | Free |
| Minimum Top-up | $0 |
| FX Fee | 1% to 7% |
| ATM Withdrawal Fee | Free up to $100/month; 2% thereafter |
| Crypto Conversion Fee | 0.9% |
| Card Replacement Fee | $5 |
| Inactivity Fee | Free |
| Transaction Fee | Free |
| Refund Fee | Free |
Card Features
| Virtual Card | Yes |
|---|---|
| Physical Card | Yes |
| Apple Pay | No |
| Google Pay | Yes |
| ATM Withdrawal | Yes |
| Rewards Program | Yes — 2% to 10% tiered cashback |
| Cashback Token | Unknown |
| Special Benefit | 100% subscription rebates (Netflix, Spotify, Amazon Prime, ChatGPT, TradingView) for VIP users; event-based cashback (e.g., Tomorrowland) |
| Subscription Rebates | Yes — Netflix, Spotify, Amazon Prime, ChatGPT, TradingView (VIP tiers) |
| Earning | Yes — up to 8% APY via Bybit Earn on idle funds |
| Mobile App Controls | Yes (freeze/unfreeze, spending limits, category toggles) |
| Security Controls | EMV 3D Secure, 2FA, instant freeze, MiCAR-compliant |
Limits
| Per-Transaction Limit | $1,000 to $13,500 (depends on region) |
|---|---|
| Daily Spending Limit | $5,000 to $15,000 (depends on region) |
| Monthly Spending Limit | $10,000 to $65,000 (depends on region) |
| ATM Daily Limit | €2,000 to $3,000 (depends on region) |
| ATM Monthly Limit | $1,800 to $10,000 (depends on region) |
| Top-up Min. Limit | $10 |
| Top-up Max. Limit | Unlimited |
Customer Care
| Support Channels | 24/7 in-app live chat, ticket/email support, Help Center |
|---|---|
| Response Time | Generally responsive within 24 hours; limit increase reviews up to 7 business days |
| Languages Supported | Multilingual — English, Chinese, Spanish, French, Russian, Japanese, and others |
| Knowledge Base | Yes — bybit.com/en/help-center |
| Refund Handling | Standard Mastercard chargeback process; card disputes handled via Bybit support |
| User Reviews | Positive for card specifically |
| Trust Score | ~3.1/5 (Bybit Trustpilot overall); card-specific reviews more positive |
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| Card Type | Virtual (incl. Lite) & Physical |
|---|---|
| Min Top-up | No separate card top-up minimum; €100 initial account funding required (EEA) |
| Approval Time | Virtual: Minutes (after KYC); review can take up to 7 working days in some cases |
| Bonus Offer | Up to 10% cashback first month on lifestyle spending (max 150 USDT); VIP referral bonus 20 USDT |
| Card Delivery Time | Virtual: Instant after approval; Physical: 7–14 days (varies by region) |
| Region Warning | Not available in US, Singapore, Hong Kong, France, Croatia, Ireland, or certain other excluded jurisdictions |
SafePal
Get SafePalKey Facts
| Card Network | Mastercard |
|---|---|
| Crypto Support | USDC, BTC, ETH, USDT, TRX,BNB,POL,TON |
| Card Issuer | Fiat24 AG (FINMA-regulated Swiss bank) |
| Card Types | Virtual, Physical |
| Availability | EEA countries, Switzerland + select regions (SEA, UAE) |
| KYC Required | Yes — Standard KYC via Fiat24 onboarding |
| Custody Model | Hybrid — non-custodial SafePal wallet + custodial Fiat24 bank account for fiat |
| Card Validity | 3 to 5 years |
| Card Tiers | Tier 1–3 (based on SFP token holdings and referral activity) |
| Fiat Currencies | EUR, USD, GBP, CHF, JPY |
| Supported Devices | iOS, Android, Web |
Pricing & Fees
| Virtual Card Cost | Free |
|---|---|
| Physical Card Cost | Free |
| Annual Fee | Free |
| Top-up Fee | 0.6% |
| Minimum Top-up | $10 USDC |
| FX Fee | unknown |
| ATM Withdrawal Fee | 2% |
| Crypto Conversion Fee | Free |
| Card Replacement Fee | Unknown |
| Inactivity Fee | $0 |
| Transaction Fee | Free |
| Refund Fee | Free |
Card Features
| Virtual Card | Yes |
|---|---|
| Physical Card | Yes |
| Apple Pay | Yes |
| Google Pay | Yes |
| ATM Withdrawal | Yes |
| Rewards Program | Gas Free Transactions |
| Cashback Token | No |
| Special Benefit | Personal Swiss IBAN account; on-chain NFT credentials on Arbitrum; SafePal hardware wallet integration |
| Subscription Rebates | No |
| Earning | SFP token staking rewards |
| Mobile App Controls | Yes (full card management, spending limits, freeze in SafePal app) |
| security controls | Air-gapped signing (hardware wallet), multi-layer encryption, private key self-custody, 2FA |
Limits
| Per-Transaction Limit | $20,000 (up to 500 txn) |
|---|---|
| Daily Spending Limit | $10,000 (up to 100 txn) |
| Monthly Spending Limit | $1,000–$100,000/month (tier dependent) |
| ATM Daily Limit | unknown |
| ATM Monthly Limit | unknown |
| Top up Min. Limit | $1 |
| Top up Max. Limit | Unlimited |
Customer Care
| Support Channels | In-app support, Zendesk ticket, email, Telegram community |
|---|---|
| Response Time | Bots support and direct user to FAQ, Lack of information in FAQ |
| Languages Supported | 16 languages (English, Chinese, and others across SafePal ecosystem) |
| Knowledge Base | Yes — banking help center at safepal.com |
| Refund Handling | Standard Mastercard refund process via Fiat24 banking gateway |
| User Reviews | Too much KYC; praised for non-custodial design and Swiss banking integration. User base mainly from US |
| Trust Score | 4.2/5 ; established brand backed by Binance Labs; no major security incidents reported |
Order Now
| Card Type | Virtual & Physical Mastercard (SafePal Banking Gateway) |
|---|---|
| Min Top-up | 10 |
| Approval Time | Long step of KYC and Fiat24 account approval |
| Bonus Offer | Free SafePal X1 hardware wallet ($69.99 value) for new KYC completions |
| Card Delivery Time | Virtual: Instant; Physical: Standard postal delivery (varies by region) |
| Region Warning | EEA countries , Switzerland , Canada, Malaysia, China, New Zealand, Australia Only. Full KYC and Fiat24 onboarding required. |
Best For
Active Bybit exchange users in EEA and supported regions seeking high cashback (up to 10%), zero annual fees, and seamless trading-to-spending integration.
Self-custody crypto users in EEA and Switzerland who want FINMA-regulated Swiss banking integration with no management fees and Apple/Google Pay support.
Our Verdict
Choose Bybit Card if you’re an active Bybit trader in the EEA with VIP status that unlocks meaningful cashback. The direct integration with your Bybit Funding Account removes top-up friction entirely — your exchange balance becomes your card balance with no additional conversion step.
Choose SafePal if you’re EEA-based but want banking infrastructure independent of any exchange. A Swiss IBAN, self-custody wallet integration, and 0.4% top-up fee at the best tier offer a more sovereign financial setup than tying your card utility to a single trading platform’s VIP system.
Both cards are EEA-focused, which makes this a genuine head-to-head for European crypto users. The deciding factor is exchange loyalty. Active Bybit traders with VIP status get more practical value from Bybit Card’s cashback than SafePal’s banking layer. Users who want independence from exchange ecosystems — or who don’t trade on Bybit — get more long-term value from SafePal’s regulated banking infrastructure.
Pros & Cons
Bybit Card Pros
- Up to 10% cashback for VIP users
- No annual, monthly, or inactivity fees
- Free instant virtual card after KYC
- Supports BTC, ETH, USDT, USDC, XRP, TON, MNT
- Apple Pay, Google Pay, Samsung Pay (EEA)
- MiCAR-compliant in Europe
- Both Mastercard and Visa available by region
- Direct spending from Bybit Funding Account — no separate top-up needed
SafePal Pros
- Zero account creation and management fees
- Swiss IBAN account with FINMA-regulated banking via Fiat24
- Non-custodial design — private keys remain with the user
- Supports Apple Pay, Google Pay, Samsung Pay, and PayPal
- 30,000+ cryptocurrencies across 100+ blockchains supported
- On-chain NFT credentials minted on Arbitrum for transparent verification
- No annual or inactivity fees
- Customizable spending limits and referral commissions up to 40%
Bybit Card Cons
- Limited geographic availability (no US, Singapore, Hong Kong, France, Croatia, Ireland)
- Top cashback rates (8–10%) require high Bybit VIP trading volume
- Limited crypto support (7 assets vs. competitors with 20+ assets)
- 0.9% crypto conversion fee on each crypto spend
- Monthly cashback caps apply per tier
- Physical card ATM limit capped at €2,000/day (EEA)
- Custodial — funds held on Bybit Funding Account
- Bybit overall Trustpilot ~3.1/5
SafePal Cons
- Available only in EEA countries and Switzerland — no US, UK, or APAC support
- Top-up fees start from 0.6% (as low as 0.4% on top tier; campaigns may offer 0%)
- Very complicated KYC process. Too much verification.
- Dependent on Fiat24 banking infrastructure — third-party risk applies
- No cashback or rewards program for card spending
- Gas fees apply on blockchain top-ups (varies by network chosen)
- Physical card availability for standard users not clearly disclosed publicly
- Spending limits may require manual adjustment in app
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