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Bybit Card vs Nexo Card

Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.

Bybit Card - illustration (AI-generated, not the official card design)
Bybit Card
6.7
Full KYCCustodialBTC via in-app conversion
Get Bybit Card
Nexo Card card
Nexo Card
6.7
Full KYCCustodialBTC via in-app conversion
Get Nexo Card

Short answer too close to call on the weighted score. The decision is your use case: check the bitcoin-flow rows below.

Bybit Card Nexo Card
Bitcoin flow
BTC loadBTC via in-app conversionBTC via in-app conversion
Lightning fundingnono
BTC sale timingNot documentedNot documented
Fees
Top-up fee0.9%0%
FX fee2%0.2%
Monthly feenonenone
ATM fee2%2%
Cashback2% in USDT2% in NEXO
Privacy & custody
KYCFull KYCFull KYC
CustodyCustodialCustodial
Limits
Daily spend limitnot documentednot documented
ATM daily limitnot documentedFree tier allowances: EUR 200-2,000 per month by loyalty tier
Max loadnot documentednot documented
Availability
RegionsAPAC, MENA, LATAM, GLOBAL, EEAEEA, UK, LATAM
NetworkMastercardMastercard
Form factorPhysical + virtualPhysical + virtual
Apple Payyesyes

Pick Bybit Card if

  • Wider documented availability

Pick Nexo Card if

  • Known fee stack (2.9 vs 0.2 % equivalents on a $500/mo profile)

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.

Full review

Nexo Card

The most complete dual-mode card: one tap switches between spending your crypto (Debit, with daily interest) and borrowing against it (Credit, from 1.9%) - with free ATM allowances up to EUR 2,000/month and no card fees. The catch: meaningful cashback needs a $5,000+ portfolio and is denominated in NEXO, and it is EEA/UK-only.

Full review

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FAQ

Which is better for privacy, Bybit Card or Nexo Card?
Bybit Card requires Full KYC, while Nexo Card requires Full KYC. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
Bybit Card: Not documented. Nexo Card: Not documented. Sale timing determines your price exposure between loading and spending.
Which is cheaper overall?
Compare the full stack - top-up, FX, monthly, ATM - against your own spending mix in the fee calculator. Headline numbers alone flip with real usage.

Facts checked 2026-10-05 · How we verify