Bybit
Bybit is a crypto debit card (mastercard, exchange-linked) issued on Mastercard, rated 8.6/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Bybit is the strongest fit for all-rounder and ad spend, and asks for ID + proof at signup — we carry it at medium (custodial; 2025 hack history) risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Bybit · Crypto debit card (Mastercard, exchange-linked) |
| Official site | https://www.bybit.com/en/cards |
| Best for | All-rounder · Ad spend |
| Network | Mastercard |
| Rating | 8.6/10 (4.5★, 344 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | Free virtual; 5-10 EUR/GBP/USDT physical (one-time) |
| Monthly / annual fee | None (no annual/monthly fee) |
| Top-up (deposit) fee | 0.9% crypto conversion fee per transaction |
| FX / conversion fee | 0.5% (EEA program); region-dependent elsewhere |
Verification and risk
| KYC required | Yes (KYC Level 2: govt ID + proof of address) |
| Risk level | Medium (custodial; 2025 hack history) |
| AVS check | Yes |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | Yes (BTC/ETH/XRP/USDT/USDC/TON) |
| Bank transfer | No (crypto-funded; exchange balance) |
| Alipay / WeChat Pay | No |
| Cards per account | Virtual + physical per user |
Billing
| Billing address | Personal/Business (crypto custody) |
| Billing country | EEA, Switzerland, Australia, Argentina, Braz… ··· |
Platform compatibility
| ChatGPT | Yes |
| Claude | Yes |
| Midjourney | Yes |
| Netflix / Spotify | Yes (subscription rebates Tier 2+) |
| App Store / Google Play | Yes (Apple Pay/Google Pay) |
| Meta / Google Ads | Yes (online spend) |
| AI tools noted | ChatGPT / Claude / Midjourney |
What the issuer states on its own site
- Earn up to 110 USDT cashback in your first 30 days.
- Earn competitive interest on your available balance automatically, with no annual fees.
- %,10% cashback on everyday spending.
- % cashback on must-have subscriptions.
Source: https://www.bybit.com/en/cards.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 550777 | Mastercard | EEA (Europe) | Debit | 327 | 236 | 72.2% |
We logged 236 cleared charges out of 327 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Mastercard virtual cards
Frequently asked
What does Bybit cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is None (no annual/monthly fee); top-ups cost 0.9% crypto conversion fee per transaction; conversion is priced at 0.5% (EEA program); region-dependent elsewhere. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Bybit?
Bybit asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (KYC Level 2: govt ID + proof of address)
How can I fund Bybit?
You can fund it with crypto (BTC/ETH/XRP/USDT/USDC/TON). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Bybit need?
Setting it up: the billing address type is Personal/Business (crypto custody); cards are issued against EEA, Switzerland, Australia, Argentina, Brazil, AIFC (excl. US, Canada, Singapore, Hong Kong, China); an AVS check is applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Bybit work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Claude, Midjourney, Netflix and Spotify, the App Store and Google Play, Meta and Google Ads. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Bybit trigger 3-D Secure?
Yes. Bybit supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Bybit?
The issuer allows Virtual + physical per user. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.