The details of fees and spending limits associated with Bybit Card are as follows:
Fees
Case Study 1 – Foreign Exchange Fee
Case Study 2 – Crypto Conversion Fee
Case Study 3 – ATM Withdrawal Fee
Case Study 4 – Crypto Conversion Fee and ATM Withdrawal Fee
Spending Limits
ATM Withdrawal Limits
Tier Spending Limits
Tier ATM Withdrawal Limits
Fees
Notes:
— Foreign exchange (FX) Fee applies to transactions that are performed in a currency other than the currency your card is denominated in. For example, a Bybit Card is denominated in EUR for USD transactions. For details of Bybit's foreign exchange rates and fees, please refer to the Exchange Rate Information.
— The ECB Reference Rate is updated every Monday to Friday at 3 PM UTC while Master Card Reference Rate is updated daily at 6:30 PM UTC.
— Crypto Conversion Fee applies to all transactions funded with non-fiat assets in your Bybit Funding Account.
— Some ATM merchants 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.
— **No fee will be incurred for the issuance of the Virtual Bybit Card until further notice.
— VIPs holding an Asia Pacific Physical Card will not have any fee for Card Issuance or Replacement.
Case Study 1 – Foreign Exchange Fee
Trader A makes a transaction of 69.80 SGD using his Bybit Card denominated in EUR.
Assuming that the Mastercard Exchange Rate is 1 EUR ≈ 1.41571000 SGD and the foreign exchange fee rate is 0.5%, the total transaction amount is calculated as follows:
Transaction Amount: 69.80/1.41571000 = 49.3 EUR
Foreign Exchange Fee = 49.3 EUR × 0.5% = 0.2 EUR
Total Transaction Amount = 49.3 + 0.2 = 49.5 EUR
In this case, 49.5 EUR 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.
Case Study 2 – Crypto Conversion Fee
Trader B makes a transaction of 100 EUR and only has USDT in his Funding Account.
Supposing Bybit’s One-Click Sell Exchange Rate is 1 USDT ≈ 0.93167 EUR and the crypto conversion fee rate is 0.9%, the total number of Crypto for payment is calculated as follows:
Transaction Amount: 100/0.93167 = 107.33 USDT
Crypto Conversion Fee = 107.334 USDT × 0.9% = 0.97 USDT
Total Transaction Amount = 107.33 + 0.97 = 108.3 USDT
In this case, 108.3 USDT will be deducted from Trader B's Funding Account.
Case Study 3 – ATM Withdrawal Fee
Let’s suppose trader C has 200 EUR in his Funding Account and the current ATM withdrawal fee rate is 2% after the first 100 EUR monthly.
On Day 1, Trader C intends to withdraw 60 EUR at an ATM machine.
Total Cash Received = 60 EUR
ATM Withdrawal Fee = None (ATM Withdrawal Fee waived for the first 100 EUR each month)
Funding Account Balance = 200 - 60 = 140 EUR
On the same day, Trader C intends to withdraw another 110 EUR.
Total Cash Received = 110 EUR
ATM Withdrawal Fee (for the first 40 EUR) = None (Trader C has already withdrawn 60 EUR, and the ATM Withdrawal Fee is only waived for 40 EUR)
ATM Withdrawal Fee (for remaining 70 EUR) = 70 EUR * 2% = 1.4 EUR
Funding Account Balance = 140 - 40 - (70 + 1.4) = 28.6 EUR
Case Study 4 – Crypto Conversion Fee and ATM Withdrawal Fee
Trader D has 0 EUR and 100 USDT in his Funding Account. Let’s suppose the following:
- Bybit One-Click Sell Exchange Rate: 1 USDT ≈ 0.93167 EUR,
- Crypto conversion fee rate: 0.9%,
- ATM withdrawal fee rate: 2% after the first 100 EUR monthly,
- Minimum crypto conversion amount: 10 EUR.
Trader D intends to withdraw 5 EUR at an ATM machine.
Total Cash Received = 5 EUR
ATM Withdrawal Fee = None (ATM Withdrawal Fee waived for the first 100 EUR each month)
USDT equivalent of 10 EUR = 10/0.93167 = 10.7334 USDT
Crypto Conversion Fee = 10.7334 * 0.9% = 0.0966 USDT
Total USDT converted to EUR = 10.7334 + 0.0966 = 10.83 USDT
Funding Account Balance = (100 - 10.83) USDT and (10.83 - 5) EUR = 89.17 USDT and 5.83 EUR
Spending Limits
Virtual and physical Bybit Cards share one spending limit, while the Virtual Card Lite will be subjected to a Lifetime Spending Limit of 150 EUR.
For example, Trader E (owns a virtual and physical card) and Trader F (owns a virtual card lite) have 1,000 EUR in their Funding Account and they spend 100 EUR using the card. Trader E can pay the remaining balance (900 EUR) with either his virtual or physical card. While Trader F can pay the remaining balance (50 EUR) with Virtual Card Lite due to the lifetime spending limit of its card.
Notes:
— Australia cards come with separate spending limits for the physical and virtual cards. If you have both, you’ll enjoy twice the total spending power.
— *Argentina Card limits will be calculated using the ARS equivalent to USD.
— The spending limit of Bybit Card does not support adjustment.
Since Brazil offers the QR Pay feature with its own spending limit, please check the table below for details:
ATM Withdrawal Limits
There is an ATM withdrawal limit when using a physical Bybit Card.
The ATM withdrawal limits for Bybit Card can also be found in Bybit Card Holder Terms & Conditions.
Note:
— Australia card comes with separate spending limits for the physical and virtual cards. If you have both, you’ll enjoy twice the total spending power.
— ATM Withdrawals are restricted in Mainland China.
Tier Spending Limits
Tier Spending Limits are only applicable to Asia Pacific and EEA & CH cards. Please note that virtual and physical Bybit Cards share one spending limit, while the Virtual Card Lite, only available to the EEA & CH region, will be subjected to a Lifetime Spending Limit of 150 EUR.
For example, Trader E (owns a virtual and physical card) and Trader F (owns a virtual card lite) have 1,000 EUR in their Funding Account and they spend 100 EUR using the card. Trader E can pay the remaining balance (900 EUR) with either his virtual or physical card. While Trader F can pay the remaining balance (50 EUR) with Virtual Card Lite due to the lifetime spending limit of its card.
Notes:
— You can apply for a limit increase 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. After submitting, please keep an eye on your email from complianceops@bybit.com.
— Users with ongoing requests cannot request a limit upgrade.
Tier ATM Withdrawal Limits
There is an ATM withdrawal limit when using physical Asia Pacific and EEA & CH cards.
The ATM withdrawal limits for Bybit Card can also be found in Bybit Cardholder Terms & Conditions (EEA & CH).
Notes:
— You can apply for a limit increase 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. After submitting, please keep an eye on your email from complianceops@bybit.com.
— 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.
— The Case Studies above may use different rates for illustrative purposes. Please refer to this table for the effective rates applicable to your Bybit Card.