Bybit Card vs Vivid Money
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 4.7/10). The right pick still depends on your priority - see the flow comparison below.
 Bybit Card |  Vivid Money | |
|---|---|---|
| Overall score | 6.7 | 4.7 |
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| BTC sale timing | Not documented | Not documented |
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Top-up fee | 0.9% | 0% |
| FX fee | 2% | 1% |
| Monthly fee | none | none |
| Cashback | 2% in USDT | 4% |
| Regions | APAC, MENA, LATAM, GLOBAL, EEA | EEA |
Pick Bybit Card if
- Wider documented availability
Pick Vivid Money if
- Known fee stack (2.9 vs 1.0 % equivalents on a $500/mo profile)
- Higher documented cashback (4% vs 2)
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.
Vivid Money
Vivid's consumer crypto card is alive and regulated: free-first physical Visa, 300+ coins from EUR 1 under a Dutch AFM MiCAR CASP licence (custody via Copper), 2% default crypto trading fee and plan-capped cashback. The B2B pivot is real but the personal product demonstrably operates - with a documented 2026 freeze/support complaint pattern typical of partner-rail neobanks.