Bybit EU Card vs ether.fi Cash
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer ether.fi Cash wins overall (6.4/10 vs null/10). The right pick still depends on your priority - see the flow comparison below.
 Bybit EU Card |  ether.fi Cash | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | Direct BTC top-up (on-chain) |
| Lightning funding | no | no |
| BTC sale timing | Not documented | Not documented |
| Fees | ||
| Top-up fee | not documented | 0% |
| FX fee | 0.5% | 1% |
| Monthly fee | none | none |
| ATM fee | 2% | ATM withdrawals supported in most regions: $1,000 per transaction, max 5 per rolling 24h ($5,000/day); 'standard ATM and network fees may apply' - no operator ATM fee % published. ATM use blocked for FATF-blacklist countries (North Korea, Iran, Myanmar). |
| Cashback | 1% in EUR | 3% in ETHFI |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Self-custody |
| Limits | ||
| Daily spend limit | not documented | not documented |
| ATM daily limit | not documented | $5,000 (5 x $1,000 per rolling 24h) |
| Max load | not documented | Borrowing capacity limited by portfolio value/collateral terms |
| Availability | ||
| Regions | EEA | US, UK, EEA, APAC, LATAM |
| Network | Mastercard | Visa |
| Form factor | Physical + virtual | Physical + virtual |
| Apple Pay | yes | no / unknown |
Pick Bybit EU Card if
- Known fee stack (0.5 vs 1.0 % equivalents on a $500/mo profile)
Pick ether.fi Cash if
- Higher documented cashback (3% vs 1)
- Wider documented availability
ether.fi Cash
A genuinely different architecture: keep full self-custody of 250+ assets and spend through a credit line instead of selling - with tiered memberships, travel cashback and premium Visa perks. The risks are equally clear: borrowing costs, portfolio volatility/liquidation risk, and a protection program that was still 'not yet live' at review time.
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FAQ
Which is better for privacy, Bybit EU Card or ether.fi Cash?
Bybit EU Card requires Full KYC, while ether.fi Cash 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 EU Card: Not documented. ether.fi Cash: 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