Which crypto does the card sell first when fiat runs out?

The one you rank highest in the card's payment priority settings. Bybit deducts fiat in the Funding Account first, then works down your crypto priority list, auto-selling at the One-Click Sell rate plus the 0.9% conversion fee until the purchase amount is covered.

Is there a fee to move funds from the trading account to Funding?

No. Bybit's internal transfers between your own accounts — including Unified Trading Account to Funding Account — are free and instant per the help center. Fees only appear later, at spend time, if crypto has to be converted to fiat for the purchase.

Does the Bybit Card Spend From Spot or Funding?

Reviewed by Alan WakeUpdated July 20, 2026

Based on verified official data as of 20.07.2026; hands-on update coming.

The Bybit Card spends from your Funding Account, not from Spot or the Unified Trading Account. Bybit's help center confirms the card has no wallet of its own: it deducts fiat sitting in the Funding Account first, then auto-converts crypto from Funding or Flexible Easy Earn following your payment priority, with a 0.9% conversion fee. Trading profits must be moved to Funding via an internal transfer — free and instant — before the card can use them.

TL;DR

The card draws on the Funding Account and Flexible Easy Earn — never Spot or the Unified Trading Account.
Fiat in Funding is deducted first; crypto is auto-sold at the One-Click Sell rate plus a 0.9% conversion fee.
Moving trading profits to Funding is a free, instant internal transfer inside the Assets page.

Which balance the card actually uses

Bybit states the card 'does not have its own wallet balance' — it derives funds from the Funding Account and, if enabled, Flexible Easy Earn products. Your Spending Power figure on the card dashboard is calculated from the base-currency balance in Funding plus your selected payment cryptos converted to that currency. Assets sitting in Spot or the Unified Trading Account are invisible to the card.

The deduction order is fixed: fiat in the Funding Account goes first. When fiat is insufficient, Bybit sells crypto according to the payment priority you set, at the One-Click Sell exchange rate plus the card's crypto conversion fee (0.9% per the NomadCrypto database, verified 20 July 2026).

How to make trading profits spendable

Open Assets, choose Transfer, select Unified Trading Account as the source and Funding Account as the destination, pick the coin and amount, and confirm. Internal transfers between your own Bybit accounts are instant and carry no fee.

Once the balance lands in Funding, the card's Spending Power updates and the funds are available at the till. Setting USDT or your base fiat as the top payment priority keeps conversion behavior predictable.

Who this is NOT for

Users in regions where the Bybit Card is not offered — bybit.com/cards states it is not available to EEA customers as of 20 July 2026
Traders hoping to spend open-position collateral or unrealized PnL directly

Frequently asked questions

No. There is nothing to top up. The card is a window onto your Funding Account and Flexible Easy Earn balance. Whatever sits there, in fiat or supported crypto, is what the card can spend. If Funding is empty, the card declines even if your Spot or trading account holds plenty.

Sources: Bybit Help Center — A Complete Guide to Bybit's Funding Account · Bybit Help Center — How Bybit Card Transactions Work · Bybit Help Center — How to Transfer Assets on Bybit · NomadCrypto card database, verified 20 July 2026

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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