As of September 2026. Competitor details change, so check their current pricing page before deciding.

Funding

The Bybit card is tied to a Bybit exchange account. You fund it from your exchange balance, and the exchange handles conversion. If you are an active Bybit trader this is convenient, because the money is already there.

Fundly does not require an exchange account. You send crypto from the wallet you already use, on 10+ chains including Ethereum, Base, Arbitrum, Solana, Tron and Bitcoin. Deposits are converted to EUR or USD at a rate shown before you send. Fundly is not an exchange and not a bank.

Availability

Exchange cards are typically offered in a set of regions, often centred on the EEA, and the list changes. Check the Bybit site for your country. Fundly's supported list is published before launch and is built with freelancers, nomads and underbanked-country residents in mind.

Fees

Fundly's schedule is public and the same for everyone. Free: 0 EUR a month, 1% deposit fee (min 1 EUR), 1.5% FX. Plus: 7.99 EUR a month, 0.5% deposit, 0.5% FX. Premium: 19.99 EUR a month, 0% deposit, 0% FX. Rate and fee shown before every deposit and card payment. No hidden spread. For the Bybit card, check their current pricing page for FX, conversion and any tier requirements.

Rewards

Exchange cards often advertise cashback funded by trading revenue, sometimes with tier or holding requirements. Read the terms. Fundly's cashback is a capped launch offer: 0.5% for the first 90 days on Free, 1% in USDC on Plus and 1.5% in USDC on Premium.

Accounts

Fundly adds an EUR IBAN account after identity verification, with SEPA and SEPA Instant in and out. That means salary in, rent out, all from the balance your card uses. Whether an exchange offers comparable account details depends on region; check their site.

Getting started

Fundly issues an Instant virtual card with email and phone only, with monthly limits set by our issuing partner. Verification unlocks higher limits, a physical card and the IBAN. Exchange cards normally require a fully verified exchange account first.

Who should pick which

If you trade on Bybit daily and it is available where you live, their card is a sensible add-on. If you self-custody, get paid in stablecoins, or want an IBAN, Fundly is the better fit. See cards, deposits and pricing.