Bybit Card vs MyFin
Two virtual cards people weigh up side by side. We put Bybit Card and MyFin on the same rows so the difference is easy to see.
Bybit Card issues on Mastercard · Visa and MyFin on Visa · Mastercard; both ask for ID only; only Bybit Card takes crypto top-ups.
Bybit Card is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. MyFin still clears the same checkouts in our tests, so match the table to the services you actually pay for.
The head to head
| Field | Bybit Card | MyFin |
|---|---|---|
| Card network | Mastercard, Visa | Visa, Mastercard |
| Card type | Crypto Card | Digital Bank / Neobank |
| KYC | ID only | ID only |
| Card issuance fee | Free | Free |
| Monthly fee | Free | Free (Standard); Advanced ~€5.14; Premium ~€10.23/€10 per mo |
| Top-up fee | — | — |
| FX fee | 1%-2% | 0% |
| Crypto funding | Yes | — |
| AI tool support | ChatGPT / Claude / Midjourney | — |
| Risk level | Medium | Low-Medium |
| Our rating | 9.3 | 8.8 |
| User reviews | 54 | 376 |
| Best for | All-rounder · AI subscriptions | App Store / Play · Free issuance |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
The two, compared
- Bybit Card covers a wider spread of use cases; MyFin is more of a single-purpose tool.
- Bybit Card can sit on a crypto balance; MyFin cannot, so the call depends on how you fund it.
- In our scoring, Bybit Card finished ahead of MyFin — not by a mile, but enough to tilt a tiebreak.
- If risk rating weights your choice, MyFin is the calmer of the two.
Where they split
Both cards clear the same checkouts in our tests, so the call comes down to cost. Bybit Card is cheaper on issuance (free) and top-ups (no top-up fee), while MyFin is worth the premium only for the rows where it leads in the table.
Questions people ask
That depends on what you spend on. Bybit Card scores 9.3/10 against MyFin's 8.8/10 in our tests, but the two split on fees, KYC and crypto funding. Read the table above, then match it to the checkouts you actually run.
Bybit Card is the cheaper card to run. Both Bybit Card and MyFin issue virtual cards for free; Bybit Card converts currency at 1% versus 0%.
Bybit Card asks for ID only at signup; MyFin asks for ID only. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 8 of the same test scenarios, including eBay, Microsoft Azure, Cloudflare. They overlap on a good share of checkouts, so the choice between them matters most on those pages. Where one is accepted and the other is not usually comes down to the billing country and 3-D Secure handling.
Where both show up
Bybit Card and MyFin both landed in our top picks for 8 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🎮 Gaming 5
🌐 Cloud & VPS 2
🛍️ Cross-border Shopping 1
Their BIN ranges
Cards issued in 🌎 Latin America · 🇪🇺 Europe (EEA) — the country guides group every range we track from there.
What our charge log shows
Every count here is a real charge attempt we placed on that range, renewals included, with the gateway response recorded. Weeks tracked is how long the range has been in the programme: