Bitstack Card 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 ranks higher on the documented evidence (6.7/10 vs unscored). The right pick still depends on your priority - see the flow comparison below.
| Bitstack Card |  Bybit Card | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | No direct BTC load | BTC via in-app conversion |
| Lightning funding | no | no |
| BTC sale timing | Not documented | Not documented |
| Fees | ||
| Top-up fee | 0.7% | 0.9% |
| FX fee | not documented | 2% |
| Monthly fee | none | none |
| ATM fee | 1% | 2% |
| Cashback | 0.1% in BTC | 2% in USDT |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | not documented | not documented |
| ATM daily limit | $200.0 | not documented |
| Max load | not documented | not documented |
| Availability | ||
| Regions | FR | APAC, MENA, LATAM, GLOBAL, EEA |
| Network | Visa | Mastercard |
| Form factor | Physical + virtual | Physical + virtual |
| Apple Pay | yes | yes |
Pick Bitstack Card if
- Known fee stack (0.7 vs 2.9 % equivalents on a $500/mo profile)
- Cheaper ATM withdrawals (1% vs 2%)
Pick Bybit Card if
- Higher documented cashback (2% vs 0.1)
- Wider documented availability
Bitstack Card
exists - active, France-only Visa-Karte (Xpollens-EMI) mit instanten Round-Ups + BTC Stackback (Basis 0.1%/0.15%, up to 1%/1.5% abhaengig von automatischen Ersparungen)
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, Bitstack Card or Bybit Card?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-11-02 · How we verify