What Are the Bybit Card Fees in 2026?
Based on verified official data as of 20.07.2026; hands-on update coming.
The Bybit Card has no issuance, annual, monthly or inactivity fees. You pay a 0.9% crypto-conversion fee when spending from crypto (minimum €1/$1), a foreign-exchange fee of 0.5% (EEA/CH) up to 7% (Argentina) when spending outside your card currency, and 2% on ATM withdrawals after a monthly fee-free allowance — €100 in the EEA and Switzerland, $100 in Australia and the AIFC, 95,000 ARS in Argentina, 550 BRL in Brazil.
TL;DR
- Recurring cost: zero — no issuance, annual, monthly or inactivity fee; physical replacement costs €5 in the EEA.
- Per-transaction: 0.9% crypto conversion plus a region-dependent FX fee (0.5% EEA/CH, 1% AU, 1.5% BR, 2% AIFC/APAC/MX, 7% AR).
- ATM: free up to a monthly allowance per region, then 2%, before any operator surcharge.
Full fee table
All figures below come from Bybit's Help Center fee schedule and Bybit Learn fee guide, cross-checked against the NomadCrypto card database on 20 July 2026. Regional figures apply to where the card was issued, not where you spend.
| Fee | Amount | Notes / source |
|---|---|---|
| Virtual card issuance | Free | Bybit Help Center fee schedule |
| First physical card | Free | Replacement card €5 (EEA); Bybit Help Center |
| Annual / monthly fee | None | No subscription cost in any region |
| Inactivity fee | None published | No inactivity charge in Bybit's fee schedule |
| Crypto conversion | 0.9% (min €1/$1) | Charged when a fiat purchase is funded from crypto |
| FX fee — EEA & Switzerland | 0.5% | Spending in a currency other than the card's funding currency |
| FX fee — Australia | 1% | Bybit Help Center |
| FX fee — Brazil | 1.5% | Bybit Help Center |
| FX fee — AIFC, APAC, Mexico | 2% | Bybit Help Center |
| FX fee — Argentina | 7% | Highest FX rate in the program |
| ATM fee-free allowance / month | €100 EEA & CH; $100 AU & AIFC; 95,000 ARS AR; 550 BRL BR | Physical card only |
| ATM withdrawal after allowance | 2% | ATM operators may add their own surcharge |
| Top-up from Bybit Funding Account | No separate fee published | The 0.9% conversion fee applies when crypto funds a fiat spend |
What the fees mean in practice
For an EEA cardholder spending €1,000 abroad from a USDT balance, the cost is roughly €9 in conversion (0.9%) plus €5 in FX (0.5%) — about €14, which is competitive against the 22-card average of 1.92% measured in the NomadCrypto fee report. Argentine cardholders travelling abroad face a very different economics at 7% FX.
One structural note: Bybit Card services for EEA customers moved to Bybit EU under its MiCA licence, so EEA applications run through bybit.eu rather than the global platform. Cashback of 2-10% by spend tier offsets fees for active users but is not a fee itself.
Frequently asked questions
No. There is no issuance fee for the virtual card, the first physical card is free, and no annual, monthly or inactivity fee applies in any region per Bybit's published fee schedule. The only recurring-style cost is a €5 replacement fee in the EEA if you lose the physical card.
Alan Wake
Editor & lead card reviewer
Reviews and fee data on NomadCard are compiled and checked against each issuer's official documentation. Our scoring method is public — see the methodology.
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