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Bybit Card vs Wirex

Pick Bybit Card if you live in the EEA and want a fixed FX markup: the Bybit EU card adds 0.5% above the Mastercard rate and is free to issue, while outside the EU Bybit’s global programs charge 1%–7% by region (as of 26 Sep 2026).

Pick Wirex if you want fiat and crypto balances in one app and take out more cash: Standard is free, the fee-free ATM allowance is EUR 200 in the EEA or GBP 200 in the UK a month against EUR 100 on Bybit EU, and Cryptoback starts at 0.5% (as of 26 Sep 2026).

Wirex paid plans (EUR 9.99 or EUR 29.99 a month, paid in WXT) raise Cryptoback up to 8% with WXT locks (as of 26 Sep 2026); Bybit rewards depend on campaign, tier and region.

Bybit CardExchange-linked Bybit card with regional FX, conversion and ATM fees.
WirexCrypto and fiat card wallet with fees and limits that differ by region.

Choose Bybit Card if

  • You live in the EEA and want a fixed 0.5% FX markup on a free card (as of 26 Sep 2026)
  • You already trade on Bybit and spend from its Funding Account
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Choose Wirex if

  • You withdraw more than EUR 100 a month: Wirex Standard covers EUR 200 (EEA) or GBP 200 (UK) (as of 26 Sep 2026)
  • You want fiat and crypto balances in one app, with fiat bank transfers that can be free on listed rails
  • You want Cryptoback on the free plan: 0.5% on Standard (as of 26 Sep 2026)
Open full reviewCheck terms

Key differences

AttributeBybit CardWirex
Where you can get itBybit CardBybit EU for eligible European residents; a separate global program with region-by-region feesWirex130+ countries; card support differs by country (in Ukraine the account is available, the card is not)
Card costBybit CardBybit EU: virtual and first physical card free, replacement EUR 5. Global: physical card from 0 to USD/USDT 29.99 (as of 26 Sep 2026)WirexNo issue fee; delivery GBP 5 (UK) or EUR 5 standard / EUR 15 express (EEA) (as of 26 Sep 2026)
Foreign currencyBybit CardBybit EU: 0.5% above the Mastercard rate. Global: 1%–7% by region (as of 26 Sep 2026)WirexRate set by currency pair and liquidity, shown as a full quote in the app (as of 26 Sep 2026)
ATM cashBybit CardBybit EU: EUR 100 a month free, then 2% (as of 26 Sep 2026)WirexEUR 200 (EEA) or GBP 200 (UK) a month free, then 2%; EEA daily ATM limit EUR 500 on plastic and metal cards (as of 26 Sep 2026)
PlansBybit CardNo annual fee in Bybit’s fee tableWirexStandard free; Premium EUR 9.99 a month; Elite EUR 29.99 a month, paid in WXT (as of 26 Sep 2026)
RewardsBybit CardSet by campaign, tier and regionWirexCryptoback 0.5% on Standard, up to 8% on paid plans with WXT locks (as of 26 Sep 2026)

What a trip costs with Bybit Card and Wirex

Enter your trip and the cards are ranked by what they charge in fees, using each card’s published prices for where you live.

Enter foreign-currency amounts at their value in EUR.

Assumes a euro card used in another currency outside Europe, so payments and cash are converted.

For this trip Bybit Card EU costs about 10.50 EUR. Wirex Standard costs 7.00 EUR plus a conversion fee that depends on the currency (the app shows it before you pay).

  1. 1
    Bybit Card EUCheapestEEA (euro account) · Review

    Trip total: 10.50 EUR

    Per month: 10.50 EUR

    Exchange
    6.50 EUR
    ATM
    4.00 EUR
    Plan
    0.00 EUR
    Card
    0.00 EUR

    crypto conversion extra

    Fees as of 26 Sep 2026 · source

  2. 2
    Wirex StandardEEA (euro account) · Review

    Trip total: 7.00 EUR

    Per month: 7.00 EUR

    Exchange
    0.00 EUR
    ATM
    2.00 EUR
    Plan
    0.00 EUR
    Card
    5.00 EUR

    + conversion fee shown in the app

    Fees as of 26 Sep 2026 · source

Open the full travel card cost calculator
Bybit Card

Last checked:

Official source: Bybit global regional fees and limits, September 10
Wirex

Last checked:

Official source: Wirex fees and delivery
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FAQ

Which is cheaper for ATM withdrawals, Bybit Card or Wirex?

Wirex: in the EEA the first EUR 200 a month carries no Wirex fee, then 2%, against EUR 100 and then 2% on Bybit EU (both as of 26 Sep 2026). Example: withdrawing EUR 300 in a month costs EUR 2 with Wirex and EUR 4 with Bybit EU. Wirex caps ATM cash on EEA plastic and metal cards at EUR 500 a day.

Do Wirex and Bybit Card charge a monthly fee?

Wirex Standard is free; Premium costs EUR 9.99 a month (EUR 102 a year) and Elite EUR 29.99 a month (EUR 306 a year), paid in WXT, with a 25% handling fee if your WXT balance is short and another balance pays (as of 26 Sep 2026). Bybit’s fee table lists no annual fee, and the Bybit EU card is free to issue (as of 26 Sep 2026).

Which has better exchange rates abroad?

Bybit EU publishes a fixed markup: 0.5% above the Mastercard rate (as of 26 Sep 2026). Wirex sets the rate by currency pair and available liquidity and shows the full quote in the app before you exchange. Outside the EU, Bybit’s global programs charge 1% to 7% by region (as of 26 Sep 2026).

Crypto card balances are not bank deposits, and fees and availability change, so check current terms before you load funds. How we compare