The details of fees and spending limits associated with Bybit Card are as follows:

1. Fees

2. Management Fees

3. Transaction Fees

4. Examples

5. 1 – Foreign Exchange Fee

6. 2 – Crypto Conversion Fee

7. 3 – ATM Withdrawal Fee

8. 4 – Crypto Conversion Fee and ATM Withdrawal Fee

9. Spending Limits

10. ATM Withdrawal Limits

11. Tier Spending Limits

12. Tier ATM Withdrawal Limits

Fees

Management Fees

Notes:

— **No fee will be incurred for the issuance of the Virtual Bybit Card until further notice.

— VIPs holding an Australia, Kazakhstan (AIFC), Georgia or Asia Pacific Physical Card will not have any fees for Card Issuance or Replacement.

Transaction Fees

Notes:

— Foreign exchange (FX) fees apply to transactions performed in a currency other than the currency your card is denominated in. For example, if your Bybit Card is denominated in USD, FX fees will apply for transactions made in EUR. It is applicable to all cards except for the Kazakhstan (AIFC) card, which has an International fee applied instead. The international fee is incurred on cross-border purchases (transactions made outside Kazakhstan), even if the transaction is charged in USD, to help cover cross-border processing costs.

— Crypto Conversion Fee applies to all transactions funded with non-fiat assets in your Bybit Funding Account.​

— Some ATM acquirers may charge an ATM Access Fee and/or may prompt currency conversion to your card currency. Do take note of this and read all instructions on the ATM screen carefully. These are the fees and services provided by the ATM service provider.

Examples

The following examples illustrate how the different fees are charged depending on the type of transaction made with your Bybit Card. The fee rates and card denominations used below are for illustrative purposes only. For current fee rates applicable to your Card, please refer to the table above.

1 – Foreign Exchange Fee

Trader A makes a transaction of 250 AED using his Bybit Card denominated in USD.

Assuming that the Mastercard Exchange Rate is 1 USD ≈ 3.67250000 AED and the foreign exchange fee rate is 2.0%, the total transaction amount is calculated as follows:

Transaction Amount: 250 / 3.67250000 = 68.07 USD

Foreign Exchange Fee = 68.07 USD × 2.0% = 1.36 USD

Total Transaction Amount = 68.07 + 1.36 = 69.43 USD

In this case, 69.43 USD will be deducted from Trader A's Funding Account.

Note: You may notice that the authorized amount is slightly higher than the actual transaction amount. This is due to the fx padding that may be applied when freezing your funds for authorization to accommodate changes in the exchange rate when the merchant completes the transaction. Any excess amount will be refunded to your Funding Account’s Available Balance.

2 – Crypto Conversion Fee

Trader B makes a transaction of 250 AED and only has USDT in his Funding Account.

Supposing Bybit’s One-Click Sell Exchange Rate is 1 USDT ≈ 3.67250 AED and the crypto conversion fee rate is 0.9%, the total number of Crypto for payment is calculated as follows:

Transaction Amount = 250 / 3.67250 = 68.07 USDT

Crypto Conversion Fee = 68.07 USDT × 0.9% = 0.61 USDT

Total Transaction Amount = 68.07 + 0.61 = 68.68 USDT

In this case, 68.68 USDT will be deducted from Trader B's Funding Account.

3 – ATM Withdrawal Fee

Let’s suppose Trader C has 200 USD in his Funding Account and the current ATM withdrawal fee rate is 2% after the first 100 USD monthly.

On Day 1, Trader C intends to withdraw 60 USD at an ATM machine.

Total Cash Received = 60 USD

ATM Withdrawal Fee = None (ATM Withdrawal Fee waived for the first 100 USD each month)

Funding Account Balance = 200 - 60 = 140 USD

On the same day, Trader C intends to withdraw another 110 USD.

Total Cash Received = 110 USD

ATM Withdrawal Fee (for the first 40 USD) = None (Trader C has already withdrawn 60 USD, and the ATM Withdrawal Fee is only waived for 40 USD)

ATM Withdrawal Fee (for remaining 70 USD) = 70 USD * 2% = 1.4 USD

Funding Account Balance = 140 - 40 - (70 + 1.4) = 28.6 USD

4 – Crypto Conversion Fee and ATM Withdrawal Fee

Trader D has 0 USD and 100 USDT in his Funding Account. Let’s suppose the following:

1. Bybit One-Click Sell Exchange Rate: 1 USDT ≈ 0.99950 USD
2. Crypto conversion fee rate: 0.9%,
3. ATM withdrawal fee rate: 2% after the first 100 USD monthly,
4. Minimum crypto conversion amount: 10 USD.

Trader D intends to withdraw 5 USD at an ATM machine.

Total Cash Received = 5 USD

ATM Withdrawal Fee = None (ATM Withdrawal Fee waived for the first 100 USD each month)

USDT equivalent of 10 USD = 10 / 0.99950 = 10.005 USDT

Crypto Conversion Fee = 10.005 * 0.9% = 0.09 USDT

Total USDT converted to USD = 10.005 + 0.09 = 10.10 USDT

Funding Account Balance = (100 - 10.10) USDT and (10 - 5) USD = 89.90 USDT and 5 USD

Spending Limits

There is a spending limit when using a virtual or physical Bybit Card. The limit amounts and settings will vary depending on the region where your card was issued.

ATM Withdrawal Limits

There is an ATM withdrawal limit when using a physical Bybit Card.

Note: ATM Withdrawals are restricted in Mainland China.

Tier Spending Limits

Tier Spending Limits are only applicable to Asia Pacific Cards. Please note that virtual and physical Bybit Cards have their own spending limit.

Notes:

— You can apply for a limit increase of your Asia Pacific Card by going to Card Dashboard → Check Limit → Request an Upgrade. Please note that if you applied for the Bybit card as a non-VIP user, you can only upgrade your limit from Tier 1 to Tier 2. If you applied as a VIP user, you can upgrade your limit from Tier 2 to Tier 3. Once you submit your request, the review process may take up to 7 business days.

— Users with ongoing requests cannot request a limit upgrade.

Tier ATM Withdrawal Limits

There is an ATM withdrawal limit when using a physical Asia Pacific and Australia cards.

Notes:

— You can apply for a limit increase of your Asia Pacific Card by going to Card Dashboard → Check Limit → Request an Upgrade. Please note that if you applied for the Bybit card as a non-VIP user, you can only upgrade your limit from Tier 1 to Tier 2. If you applied as a VIP user, you can upgrade your limit from Tier 2 to Tier 3. Once you submit your request, the review process may take up to 7 business days.

— Users with ongoing requests cannot request a limit upgrade.

Disclaimer:

Bybit reserves the right to introduce or amend the Fees and Limits according to market conditions.