2Fiat vs Bybit Card
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer Bybit Card wins overall (6.7/10 vs 5.3/10). The right pick still depends on your priority - see the flow comparison below.
 2Fiat |  Bybit Card | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | Direct BTC top-up (on-chain) | BTC via in-app conversion |
| Lightning funding | no | no |
| BTC sale timing | Not documented | Not documented |
| Fees | ||
| Top-up fee | 6.5% | 0.9% |
| FX fee | 2.5% | 2% |
| Monthly fee | none | none |
| ATM fee | ATM withdrawals not supported - official FAQ (2fiat.com/api/v1/faq, entry updated 2025-06-21): 'Can I use the virtual card to withdraw funds? - Withdrawals are not supported at this time.' | 2% |
| Cashback | none | 2% in USDT |
| Privacy & custody | ||
| KYC | No KYC | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | not documented | not documented |
| ATM daily limit | not documented | not documented |
| Max load | $10,000 per load | not documented |
| Availability | ||
| Regions | GLOBAL | APAC, MENA, LATAM, GLOBAL, EEA |
| Network | Mastercard | Mastercard |
| Form factor | Virtual | Physical + virtual |
| Apple Pay | yes | yes |
Pick 2Fiat if
- Lighter KYC (No KYC vs Full KYC)
Pick Bybit Card if
- Known fee stack (9.0 vs 2.9 % equivalents on a $500/mo profile)
- Higher documented cashback (2% vs 0)
- Physical card option
- Wider documented availability
2Fiat
A multi-asset virtual Mastercard with Apple/Google Pay support and $10-$10,000 loads - a rare direct-altcoin-load card. Until fees, limits and the operator behind it are verifiable, treat it as an unverified lead: fund only what you can afford to lose.
Bybit Card
The most aggressive rewards among exchange cards: 2-10% USDT cashback tiers, auto-interest on the card balance and 100% rebates on popular subscriptions - but it requires full exchange KYC and is explicitly unavailable in the EEA, and the platform carries the memory of the 2025 mega-hack it survived.
More head-to-heads
FAQ
Which is better for privacy, 2Fiat or Bybit Card?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-09-20 · How we verify