Introduction
The Bybit Card offers a seamless way to spend your crypto assets globally. Understanding its fee structure and spending limits is crucial for optimizing your transactions. This guide covers all essential details, including foreign exchange fees, crypto conversion charges, ATM withdrawal limits, and tier-based spending caps.
Fee Structure Breakdown
Foreign Exchange Fee
Applies to transactions in currencies different from your card's denomination:
| Region | Fee Rate | Notes |
|---|---|---|
| EEA & CH | 0.5% | Added to Mastercard's exchange rate |
| Australia | 1% | |
| Argentina | 7% | |
| Brazil | 1.5% | |
| Asia Pacific | 2% |
Crypto Conversion Fee
Charged when funding transactions with non-fiat assets (e.g., USDT):
- Rate: 0.5%–0.9% (varies by region)
- Minimum conversion: 1–10 USD/EUR equivalent
ATM Withdrawal Fees
- Base fee: 2% after the first 100 EUR/USD monthly (region-dependent)
- Additional fees: Some ATMs may charge access fees or offer dynamic currency conversion.
Spending Limits Overview
Standard Limits by Region
| Period | EEA & CH | Asia Pacific | Brazil |
|---|---|---|---|
| Per Transaction | 5,000 EUR | 10,000 USD | N/A |
| Daily | 5,000 EUR | 10,000 USD | 27,500 BRL |
| Monthly | 10,000 EUR | 50,000 USD | 137,500 BRL |
Tier-Based Limits (EEA & Asia Pacific)
| Tier | Daily Limit | Annual Cap |
|---|---|---|
| 1 | 5,000–10,000 | 60,000–150,000 |
| 2 | 10,000–50,000 | 125,000–500,000 |
| 3 | 15,000–100,000 | 250,000–900,000 |
Note: Tier upgrades require VIP status or manual requests via the Card Dashboard.
ATM Withdrawal Limits
| Region | Daily Max | Monthly Max | Annual Max |
|---|---|---|---|
| EEA & CH | 2,000 EUR | 2,000 EUR | 10,000 EUR |
| Asia Pacific | 5,000 USD | 15,000 USD | 75,000 USD |
| Brazil | 5,500 BRL | 27,500 BRL | 275,000 BRL |
👉 Learn how to maximize withdrawals
Frequently Asked Questions (FAQ)
1. What’s the minimum crypto conversion amount?
- EEA/USD cards: 1 EUR/USD
- Argentina: 5,000 ARS
- Brazil: 10 BRL
2. Can I adjust my spending limits?
No. Limits are fixed per tier, but VIP users may request upgrades.
3. Are there annual fees for the Bybit Card?
No annual, inactivity, or card cancellation fees apply.
4. Why is my authorized transaction amount higher than the actual charge?
Due to FX padding to cover exchange rate fluctuations during processing. Excess funds are refunded.
5. How do ATM fees work?
- First 100 EUR/USD monthly: Free
- Beyond that: 2% fee + potential ATM service charges.
Key Takeaways
- Optimize conversions: Use fiat balances for large transactions to avoid crypto fees.
- Monitor limits: Tier upgrades can significantly enhance spending flexibility.
- Avoid ATM fees: Plan withdrawals within monthly free thresholds.
Bybit reserves the right to amend fees and limits. Always check the latest terms before transacting.