Bybit Card Fees, Conversion Rates, and ATM Limits: What You Need to Know
This guide covers the Bybit Card's conversion/spread fee, ATM withdrawal limits, and the total cost breakdown you need before using the card. The Bybit Card is a prepaid Visa or Mastercard debit card issued by Bybit exchange. It lets you pay with crypto (https://www.bybit.com/en/cards/) directly at any merchant or ATM, drawing funds from your Bybit spot wallet and converting your crypto to fiat at the moment of each transaction, using Bybit's internal pricing engine to set the conversion rate.
Regional availability: The Bybit Card is available in select regions. As of 2024, it is not available to users in the United States. Check the Bybit Card product page (https://www.bybit.com/en/cards/) for the current list of supported countries before proceeding. You can also refer friends to the card through the Bybit Card referral program (https://www.bybit.com/en/cards/referral/).
All fee figures in this article require confirmation against Bybit's official documentation before use. Crypto card fees change over time, so treat every number here as a starting point and confirm current rates on Bybit's official card fee schedule (https://www.bybit.com/en/card/fees) before using your card.
Bybit Card Fee Summary Table
The table below shows every fee the Bybit Card applies, sourced from Bybit's official fee schedule. All figures marked [verify] require confirmation against the current schedule before publication.
Last verified: [Month Year]. Verify current figures on Bybit's official card fee schedule (https://www.bybit.com/en/card/fees).
┌──────────────────────────────┬───────────┬─────────────────────────────────────────────┐ │ Fee Type │ Amount │ Notes │ ├──────────────────────────────┼───────────┼─────────────────────────────────────────────┤ │ Card issuance/delivery fee │ [verify] │ Physical card delivery; virtual card may │ │ │ │ differ │ ├──────────────────────────────┼───────────┼─────────────────────────────────────────────┤ │ Annual/maintenance fee │ [verify] │ Confirm whether annual fee applies │ ├──────────────────────────────┼───────────┼─────────────────────────────────────────────┤ │ ATM withdrawal fee per │ [verify] │ Applies after free monthly allowance is │ │ transaction │ │ exhausted │ ├──────────────────────────────┼───────────┼─────────────────────────────────────────────┤ │ ATM monthly free withdrawal │ [verify] │ Number of fee-free withdrawals per calendar │ │ allowance │ │ month │ ├──────────────────────────────┼───────────┼─────────────────────────────────────────────┤ │ Conversion/spread fee │ [verify] │ Applied to every crypto-to-fiat conversion │ │ │ % │ at point of use │ ├──────────────────────────────┼───────────┼─────────────────────────────────────────────┤ │ Foreign transaction fee (FX │ [verify] │ Applies when transaction currency differs │ │ fee) │ % │ from card base currency │ ├──────────────────────────────┼───────────┼─────────────────────────────────────────────┤ │ Top-up fee │ [verify] │ Fee for loading funds onto the card, if │ │ │ │ applicable │ ├──────────────────────────────┼───────────┼─────────────────────────────────────────────┤ │ Card replacement fee │ [verify] │ For lost or damaged physical card │ ├──────────────────────────────┼───────────┼─────────────────────────────────────────────┤ │ Inactivity fee │ [verify] │ Applies after a defined period of no card │ │ │ │ activity │ ├──────────────────────────────┼───────────┼─────────────────────────────────────────────┤ │ Daily POS spending limit │ [verify] │ Point-of-sale purchases; separate from ATM │ │ │ │ withdrawal limit │ └──────────────────────────────┴───────────┴─────────────────────────────────────────────┘
Supported crypto assets: The Bybit Card supports spending from BTC, ETH, USDT (Tether), USDC (USD Coin), and other assets held in your Bybit spot wallet. USDT is Bybit's primary account currency and the default asset for card spending. For the complete list of supported assets, see Bybit Card fees and spending limits (https://www.bybit.com/en/help-center/article/Fees-and-Spending-Limits-Bybit-Card).
Pay close attention to the conversion/spread fee: it does not appear as a separate line item on your transaction receipt. It is built into the exchange rate Bybit applies at the moment of your transaction. The conversion rate section below explains exactly how this works and why your card may charge more than the market rate.
Fees and limits shown are subject to change. Always confirm current rates on Bybit's official card fee schedule (https://www.bybit.com/en/card/fees) before using your card.
Bybit Card ATM Withdrawal Limits Explained
The Bybit Card applies separate daily and monthly ATM withdrawal limits, both of which are tied to your KYC (Know Your Customer) verification level on Bybit. These limits apply specifically to cash dispensed from ATMs and are separate from the general card spending limit for point-of-sale purchases.
Daily and Monthly ATM Withdrawal Limits
The Bybit Card daily ATM withdrawal limit is [verify]. The monthly ATM withdrawal limit is [verify]. Both limits vary based on your KYC verification tier, and the specific figures must be confirmed on Bybit's official card fee schedule (https://www.bybit.com/en/card/fees) at time of publication.
┌─────────────────┬──────────┬─────────────────┬──────────────────────┬─────────────────┐ │ Limit Type │ Amount │ Reset Period │ Free │ Fee After Free │ │ │ │ │ Withdrawals/Month │ Allowance │ ├─────────────────┼──────────┼─────────────────┼──────────────────────┼─────────────────┤ │ Daily ATM │ │ Resets every 24 │ Shared with monthly │ [verify] per │ │ withdrawal │ [verify] │ hours │ allowance │ transaction │ │ limit │ │ │ │ │ ├─────────────────┼──────────┼─────────────────┼──────────────────────┼─────────────────┤ │ Monthly ATM │ │ Resets on │ [verify] free │ [verify] per │ │ withdrawal │ [verify] │ calendar month │ withdrawals │ transaction │ │ limit │ │ basis │ │ │ └─────────────────┴──────────┴─────────────────┴──────────────────────┴─────────────────┘
The monthly limit resets on a calendar month basis, not on a rolling 30-day cycle. When you reach your daily ATM limit, the card declines further ATM withdrawals until the limit resets the following day. Reaching your monthly ATM limit before the month ends results in all ATM withdrawals being declined until the calendar month resets. If your Bybit Card is not working at an ATM, check first that neither your daily nor monthly limit has been reached, and confirm that your Bybit spot wallet holds sufficient funds.
You can check your remaining ATM withdrawal limit by reviewing your Bybit Card spending information (https://www.bybit.com/en/help-center/article/How-to-Consult-Your-Bybit-Card-and- Spending-Information) within the Bybit app under the card management section.
The Bybit Card is accepted at any ATM displaying the Visa or Mastercard logo globally, giving you broad ATM network access in supported regions.
Last verified: [Month Year]. Confirm current limit figures on Bybit's official card fee schedule (https://www.bybit.com/en/card/fees).
How Your KYC Verification Level Affects ATM Limits
Your KYC verification level on Bybit directly determines the daily and monthly ATM withdrawal limits available on your Bybit Card. Bybit operates a tiered KYC system: users who complete higher verification levels gain access to higher limits. This system is separate from Bybit's VIP trading tier, which is based on trading volume and does not affect card limits.
┌────────────────────┬─────────────────┬───────────────────┬────────────────────────────┐ │ KYC Level │ Daily ATM Limit │ Monthly ATM Limit │ Free ATM Withdrawals/Month │ ├────────────────────┼─────────────────┼───────────────────┼────────────────────────────┤ │ Basic (Level 1) │ [verify] │ [verify] │ [verify] │ ├────────────────────┼─────────────────┼───────────────────┼────────────────────────────┤ │ Standard (Level 2) │ [verify] │ [verify] │ [verify] │ ├────────────────────┼─────────────────┼───────────────────┼────────────────────────────┤ │ Advanced (Level 3) │ [verify] │ [verify] │ [verify] │ └────────────────────┴─────────────────┴───────────────────┴────────────────────────────┘
To increase your Bybit Card ATM limit, complete the next level of KYC verification in your Bybit account settings. This is the primary mechanism for raising your ATM limits. Verify the exact tier names and limit figures against Bybit KYC verification documentation (https://www.bybit.com/en/help-center/article/KYC-Verification) before publication, as tier naming conventions may change.
How the Bybit Card Conversion Rate and Spread Fee Work
The Bybit Card applies a conversion rate that differs from the market rate when you spend crypto. The gap between those two rates is the spread fee, and it applies to every crypto-to-fiat transaction you make with the card.
What Is the Bybit Card Spread Fee?
The Bybit Card charges a spread fee on every cryptocurrency-to-fiat conversion. This fee is built into the exchange rate Bybit applies at the moment of your transaction. It does not appear as a separate line item on your receipt. Confirm the exact spread fee percentage on Bybit's official card fee schedule (https://www.bybit.com/en/card/fees) before publication.
A spread fee is the percentage difference between the mid-market rate and the rate Bybit gives you when converting your crypto to fiat. The mid-market rate is the midpoint between the buy and sell prices of a currency pair, also called the interbank rate. Card issuers always apply a rate that differs from the mid-market rate, and the gap between the two is the spread.
Bybit's internal pricing engine sets the conversion rate at the moment of your transaction. That rate includes the spread, which means the spread cost is deducted from your effective payout rather than billed separately.
▎ Example (illustrative figures): ▎ You have $100.00 worth of BTC in your Bybit spot wallet. ▎ Bybit applies a 0.5% spread fee at the moment of transaction. ▎ Spread fee cost: $0.50 ▎ Fiat you receive: $99.50 ▎ The $0.50 does not appear as a line item on your receipt. It is reflected in the exchange ▎ rate applied. ▎ ▎ Spending ETH instead of BTC produces the same result. The spread percentage applies to all ▎ volatile asset conversions.
This is why your Bybit Card charges more than the market rate at the ATM: the rate Bybit applies includes the spread, which reduces the fiat equivalent you receive compared to what the mid-market rate would give you. On the Bybit Card, the conversion fee and spread fee refer to the same mechanism. Bybit uses these terms to describe the margin embedded in the exchange rate rather than a separate transaction charge.
How to Pay with Crypto at an ATM
Here is how to pay with crypto (https://www.bybit.com/en/cards/) using the Bybit Card — from the moment you insert it at an ATM to the moment cash is dispensed:
- You request a cash withdrawal. Enter your PIN and select the withdrawal amount in local fiat currency.
- The ATM communicates with the Visa or Mastercard network. The payment network sends the transaction request to Bybit's processing system.
- Bybit converts the required fiat amount from your crypto balance. Bybit's system calculates how much crypto covers the withdrawal at its current conversion rate, which includes the spread fee. This conversion happens off-chain within Bybit's system, not as a blockchain transaction.
- The fiat equivalent is debited from your Bybit spot wallet (not from a trading account, derivatives account, or external wallet). Funds must be present in the spot wallet before the card can be used.
- You receive your cash. The ATM operator dispenses the physical currency.
Conversion is real-time, meaning the exchange rate locks at the exact moment you request the withdrawal. For volatile assets like BTC or ETH, this matters: if the price of your held asset falls between when you initiate the withdrawal and when the conversion executes, you receive less fiat than you expected. Stablecoins like USDT (Tether) eliminate this exposure because their value is pegged to the reference fiat currency. For more detail on how individual Bybit Card transactions process, see the Bybit Card transaction FAQ (https://www.bybit.com/en/help-center/article/FAQ-Bybit-Card-Transaction).
The ATM conversion flow differs from a point-of-sale purchase only in step three: at a POS terminal, the merchant's processor sends the fiat amount, and Bybit converts your crypto at that moment the same way. The spread fee applies in both cases.
Does It Matter Which Crypto You Use?
The crypto asset in your Bybit spot wallet directly affects how much conversion fee you pay at the ATM. Spending USDT (Tether), a stablecoin pegged 1:1 to the US dollar, at a USD-denominated ATM involves no meaningful exchange rate fluctuation. That reduces or eliminates spread fee exposure. Spending BTC or ETH means Bybit converts a volatile asset at the current market rate plus the spread, so the total cost varies with price movement.
The Bybit Card supports spending from BTC, ETH, USDT, USDC (USD Coin), and other assets in your Bybit spot wallet. USDT is Bybit's primary account currency and the default asset for card activity. If minimizing conversion costs is a priority, the asset you choose matters. The fee minimization section below addresses this directly.
International ATM Use: Foreign Transaction Fees and Stacked Costs
The Bybit Card works at any ATM that accepts Visa or Mastercard globally, but using it internationally can involve up to three separate and stackable fees that go beyond the standard spread.
Using your Bybit Card at an international ATM — one that dispenses currency different from your card's base currency — may trigger a foreign transaction fee (FX fee). This charge comes from the Visa or Mastercard payment network, not from Bybit, and applies when the transaction currency differs from the card's base currency. Confirm whether Bybit also applies an additional FX markup on top of the network fee by checking Bybit's official card fee schedule (https://www.bybit.com/en/card/fees).
The three fee layers that can apply to a single international ATM withdrawal are:
- Bybit spread/conversion fee: applies to every crypto-to-fiat conversion, domestic or international
- Visa/Mastercard FX fee: charged by the payment network when transaction currency differs from your card's base currency
- ATM operator surcharge: a flat fee or percentage set by the ATM owner, independent of Bybit and outside its control
▎ Example (illustrative figures): ▎ You withdraw the equivalent of $100.00 from an international ATM. ▎ After Bybit spread fee (0.5%): $99.50 equivalent ▎ After Visa/Mastercard FX fee (1.5%): $98.01 equivalent ▎ After ATM operator surcharge ($3.00 flat): $95.01 cash received ▎ Total cost: approximately $4.99, or 5.0% of the withdrawal amount ▎ ▎ These figures are illustrative. Actual fees depend on your card's base currency, the ATM ▎ operator, and current Bybit fee rates.
International ATM withdrawals count toward the same monthly ATM withdrawal limit as domestic withdrawals. No separate international allowance exists.
Best Crypto Debit Card Comparison: Bybit Card vs. Binance Card vs. Crypto.com Card
Choosing the best crypto debit card (https://www.bybit.com/en/cards/) depends on your spending habits, ATM usage, and the assets you hold. The table below shows how the Bybit Card's fees and ATM limits compare to three other widely used crypto debit cards. Verify all figures against each card's official fee page before publication, as competitor fees change frequently.
Card: Bybit Card
Conversion/Spread Fee: [verify] %
Daily ATM Limit: [verify]
Monthly ATM Limit: [verify]
Free ATM Withdrawals/Month: [verify]
Foreign Transaction Fee: [verify] %
Card Network: Visa/Mastercard (region-dependent)
────────────────────────────────────────
Card: Binance Card
Conversion/Spread Fee: [verify] %
Daily ATM Limit: [verify]
Monthly ATM Limit: [verify]
Free ATM Withdrawals/Month: [verify]
Foreign Transaction Fee: [verify] %
Card Network: Visa
────────────────────────────────────────
Card: Crypto.com Visa Card (Ruby Steel)
Conversion/Spread Fee: [verify] %
Daily ATM Limit: [verify]
Monthly ATM Limit: [verify]
Free ATM Withdrawals/Month: [verify]
Foreign Transaction Fee: [verify] %
Card Network: Visa
────────────────────────────────────────
Card: Coinbase Card
Conversion/Spread Fee: [verify] %
Daily ATM Limit: [verify]
Monthly ATM Limit: [verify]
Free ATM Withdrawals/Month: [verify]
Foreign Transaction Fee: [verify] %
Card Network: Visa
The Crypto.com Visa Card operates on a tiered structure (Ruby Steel, Jade Green, Royal Indigo, and higher tiers). Each tier requires staking a set amount of CRO tokens, with higher tiers providing higher ATM limits and fee waivers. The table above reflects the base Ruby Steel tier. The Coinbase Card is currently available primarily in the UK and select European markets. Confirm current availability at the Coinbase Card product page (https://www.coinbase.com/card) before referencing.
Competitor fee data sourced from official product pages: Binance Card fees and limits (https://www.binance.com/en/cards), Crypto.com Visa Card fees and limits (https://crypto.com/cards), Coinbase Card product page (https://www.coinbase.com/card). Data verified [Month Year]. Fees are subject to change.
How to Minimize Fees When Using the Bybit Card
Five practices can meaningfully reduce the total fees you pay when using the Bybit Card for everyday spending and ATM withdrawals.
- Spend USDT (Tether) or USDC (USD Coin) instead of volatile crypto assets. When you spend a stablecoin pegged to your transaction currency, the spread fee has minimal impact because no significant exchange rate conversion is required. Spending BTC or ETH converts a volatile asset at the current spread rate, adding cost that stablecoin spending avoids.
- Consolidate ATM withdrawals into fewer, larger transactions. Each ATM withdrawal consumes one unit of your monthly free allowance and incurs a per-transaction fee once that allowance is exhausted. Two withdrawals of $200 each cost twice as many fee events as one withdrawal of $400.
- Avoid international ATM withdrawals when possible. Using your Bybit Card at an ATM that dispenses a different currency than your card's base currency triggers the FX fee on top of the standard spread. Add a potential ATM operator surcharge and the total cost of a single international withdrawal can reach 4–6% of the amount withdrawn, based on illustrative figures shown in the international ATM section above.
- Complete full KYC verification on your Bybit account. Bybit requires KYC verification to access higher ATM withdrawal limits and a larger monthly free ATM withdrawal allowance. Completing the highest available KYC tier gives you the most room to withdraw before per-transaction fees begin. Access the verification process through your Bybit account settings.
- Check ATM operator surcharge policies before withdrawing. Some ATMs display their surcharge amount before you confirm the transaction. Decline and find a no-surcharge ATM if the fee is significant relative to your withdrawal amount. ATM surcharges are set by the ATM owner and are outside Bybit's control.
For users who want to avoid centralized card fees entirely, on-chain crypto payments via decentralized finance (DeFi) protocols offer an alternative spending pathway, though this requires a different technical setup and is beyond the scope of this guide.
Frequently Asked Questions About Bybit Card Fees and ATM Limits
What is the Bybit Card conversion fee?
The Bybit Card charges a spread fee on every crypto-to-fiat conversion, which functions as the conversion fee. Confirm the exact percentage on Bybit's official card fee schedule (https://www.bybit.com/en/card/fees), as Bybit updates it periodically. This fee is built into the exchange rate applied at the moment of your transaction and does not appear as a separate line item on your receipt.
What is the Bybit Card ATM withdrawal limit?
The Bybit Card daily ATM withdrawal limit and monthly ATM withdrawal limit both depend on your KYC verification level. Higher KYC tiers grant higher limits. The monthly limit resets on a calendar month basis. Verify current figures for your KYC tier on Bybit's official fee schedule, as limit amounts are subject to change.
Does the Bybit Card charge foreign transaction fees?
Yes, a foreign transaction fee (FX fee) may apply when you use the Bybit Card at an ATM or merchant that processes transactions in a currency different from your card's base currency. This fee is charged by the Visa or Mastercard payment network, not by Bybit. On top of that, Bybit's own spread fee applies to all conversions, and the ATM operator may charge a separate surcharge. These three fees are stackable on a single international ATM withdrawal.
What is the difference between a conversion fee and a spread fee?
A spread fee is the margin embedded in the exchange rate: the difference between the mid-market rate (the theoretical interbank rate) and the rate you actually receive when Bybit converts your crypto to fiat. A conversion fee is a broader term sometimes used to describe the same mechanism. On the Bybit Card, Bybit embeds its fee in the exchange rate rather than charging a separate transaction fee, so both terms refer to the same cost. Neither appears as a distinct line item on your receipt.
Are there free ATM withdrawals on the Bybit Card?
Yes, the Bybit Card includes a monthly free ATM withdrawal allowance before per-transaction fees apply. The exact number of free withdrawals per month depends on your KYC verification level. Once you exhaust the free allowance, each additional ATM withdrawal within that calendar month incurs a per-transaction fee. Confirm the current allowance for your KYC tier on Bybit's official card fee schedule (https://www.bybit.com/en/card/fees).
How do I increase my Bybit Card ATM limit?
To increase your Bybit Card ATM limit, complete the next level of KYC verification in your Bybit account settings. KYC tier is the primary mechanism for raising both daily and monthly ATM withdrawal limits on the Bybit Card. Review the current tier structure and required documentation in Bybit KYC verification documentation (https://www.bybit.com/en/help-center/article/KYC-Verification).
Does the Bybit Card work internationally?
Yes, the Bybit Card is accepted at any ATM or merchant that displays the Visa or Mastercard logo globally, covering the majority of ATMs worldwide. Using the card where the transaction currency differs from your card's base currency may trigger a foreign transaction fee (FX fee) from the payment network, alongside Bybit's standard spread fee. International ATM withdrawals also count toward your monthly ATM withdrawal limit.
What happens if my crypto drops in value before it converts at the ATM?
The Bybit Card converts your crypto to fiat in real-time at the moment you request the ATM withdrawal. The exchange rate locks at that instant. If the market price of your held asset (such as BTC or ETH) falls between when you initiate the withdrawal and when the conversion executes, you will receive less fiat than you would have at the earlier price. This risk does not apply to stablecoins like USDT, which maintain a fixed 1:1 peg to the reference fiat currency.
How does the Bybit Card compare to the Binance Card?
The Bybit Card and Binance Card are both Visa-powered crypto debit cards that convert crypto to fiat at the point of transaction. Key differences in fees and ATM limits are shown in the comparison table in the fee comparison section above. Verify the spread fees and ATM limit figures for both cards against their respective official fee pages, as these figures change periodically.
Is the Bybit Card free to use?
The Bybit Card may have an issuance or delivery fee for the physical card, though a virtual card option may be available at no cost. There is no credit check, as the card is prepaid and funded by your crypto balance. Ongoing fees depend on card activity, and an inactivity fee may apply after a defined period without transactions. Confirm all current fee figures on Bybit's official card fee schedule (https://www.bybit.com/en/card/fees).
Final Thoughts: Understanding What You Pay With the Bybit Card
Understanding the spread fee and ATM withdrawal limits gives you the framework to calculate the true cost of using the Bybit Card. The spread fee is built into the exchange rate at the moment of each transaction rather than shown as a separate charge, which means the cost is real but not immediately visible on your receipt. Your ATM withdrawal limits are directly tied to your KYC verification level, and completing higher verification is the clearest path to increasing those limits. Before using the Bybit Card for any ATM withdrawal or international spending, confirm all current conversion rates and limit figures on Bybit's official card fee schedule (https://www.bybit.com/en/card/fees).
Ready to get started? Apply for the Bybit Card (https://www.bybit.com/en/cards/) or refer a friend via the Bybit Card referral program (https://www.bybit.com/en/cards/referral/).
This article is for informational purposes only and does not constitute financial advice. Cryptocurrency or digital asset products involve risk. Always do your own research before making financial decisions.
Related Reading
- Fees And Spending Limits Bybit Card (https://www.bybit.com/en/help-center/article/Fees-and-Spending-Limits-Bybit-Card)
- FAQ Bybit Card Transaction (https://www.bybit.com/en/help-center/article/FAQ-Bybit-Card-Transaction)
- How Bybit Card Transactions Work (https://www.bybit.com/en/help-center/article/How-Bybit-Card-Transactions-Work)
- Conversion Of Small Balances Or Unsupported Assets Into USDT Other Digital Assets Or Fiat Currencies (https://www.bybit.com/en/help-center/article/Conversion-of-Small-Balances-or-Unsu pported-Assets-into-USDT-other-Digital-Assets-or-Fiat-Currencies)
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Bybit Card Fees & Conversion Rates Explained
Learn Bybit Card fees, ATM limits, and conversion rates. Compare spread fees, foreign transaction costs, and strategies to minimize charges.
This guide covers the Bybit Card's conversion/spread fee, ATM withdrawal limits, and the total cost breakdown you need before using the card. The Bybit Card is a prepaid Visa or Mastercard debit card issued by Bybit exchange. It lets you pay with crypto directly at any merchant or ATM, drawing funds from your Bybit spot wallet and converting your crypto to fiat at the moment of each transaction, using Bybit's internal pricing engine to set the conversion rate.
Regional availability: The Bybit Card is available in select regions. As of 2024, it is not available to users in the United States. Check the Bybit Card product page for the current list of supported countries before proceeding. You can also refer friends to the card through the Bybit Card referral program.
All fee figures in this article require confirmation against Bybit's official documentation before use. Crypto card fees change over time, so treat every number here as a starting point and confirm current rates on Bybit's official card fee schedule before using your card.
Bybit Card Fee Summary Table
The table below shows every fee the Bybit Card applies, sourced from Bybit's official fee schedule. All figures marked [verify] require confirmation against the current schedule before publication.
Last verified: [Month Year]. Verify current figures on Bybit's official card fee schedule.
| Fee Type | Amount | Notes |
|---|---|---|
| Card issuance/delivery fee | [verify] | Physical card delivery; virtual card may differ |
| Annual/maintenance fee | [verify] | Confirm whether annual fee applies |
| ATM withdrawal fee per transaction | [verify] | |
| exhausted | ||
| ATM monthly free withdrawal allowance | [verify] | |
| calendar month | ||
| Conversion/spread fee | [verify] % | |
| use | ||
| Foreign transaction fee (FX fee) | [verify] % | |
| from card base currency | ||
| Top-up fee | [verify] | Fee for loading funds onto the card, if applicable |
| Card replacement fee | [verify] | For lost or damaged physical card |
| Inactivity fee | [verify] | Applies after a defined period of no card activity |
| Daily POS spending limit | [verify] | |
| limit |
Supported crypto assets: The Bybit Card supports spending from BTC, ETH, USDT (Tether), USDC (USD Coin), and other assets held in your Bybit spot wallet. USDT is Bybit's primary account currency and the default asset for card spending. For the complete list of supported assets, see Bybit Card fees and spending limits.
Pay close attention to the conversion/spread fee: it does not appear as a separate line item on your transaction receipt. It is built into the exchange rate Bybit applies at the moment of your transaction. The conversion rate section below explains exactly how this works and why your card may charge more than the market rate.
Fees and limits shown are subject to change. Always confirm current rates on Bybit's official card fee schedule before using your card.
Bybit Card ATM Withdrawal Limits Explained
The Bybit Card applies separate daily and monthly ATM withdrawal limits, both of which are tied to your KYC (Know Your Customer) verification level on Bybit. These limits apply specifically to cash dispensed from ATMs and are separate from the general card spending limit for point-of-sale purchases.
Daily and Monthly ATM Withdrawal Limits
The Bybit Card daily ATM withdrawal limit is [verify]. The monthly ATM withdrawal limit is [verify]. Both limits vary based on your KYC verification tier, and the specific figures must be confirmed on Bybit's official card fee schedule at time of publication.
| Limit Type | Amount | Reset Period | Free Withdrawals/Month | Fee After Free Allowance |
|---|---|---|---|---|
| Daily ATM withdrawal limit | [verify] | Resets every 24 hours | Shared with monthly | |
| allowance | [verify] per transaction | |||
| Monthly ATM withdrawal limit | [verify] | Resets on calendar month basis | [verify] free | |
| withdrawals | [verify] per transaction |
The monthly limit resets on a calendar month basis, not on a rolling 30-day cycle. When you reach your daily ATM limit, the card declines further ATM withdrawals until the limit resets the following day. Reaching your monthly ATM limit before the month ends results in all ATM withdrawals being declined until the calendar month resets. If your Bybit Card is not working at an ATM, check first that neither your daily nor monthly limit has been reached, and confirm that your Bybit spot wallet holds sufficient funds.
You can check your remaining ATM withdrawal limit by reviewing [your Bybit Card spending information](https://www.bybit.com/en/help-center/article/How-to-Consult-Your-Bybit-Card-and- Spending-Information) within the Bybit app under the card management section.
The Bybit Card is accepted at any ATM displaying the Visa or Mastercard logo globally, giving you broad ATM network access in supported regions.
Last verified: [Month Year]. Confirm current limit figures on Bybit's official card fee schedule.
How Your KYC Verification Level Affects ATM Limits
Your KYC verification level on Bybit directly determines the daily and monthly ATM withdrawal limits available on your Bybit Card. Bybit operates a tiered KYC system: users who complete higher verification levels gain access to higher limits. This system is separate from Bybit's VIP trading tier, which is based on trading volume and does not affect card limits.
| KYC Level | Daily ATM Limit | Monthly ATM Limit | Free ATM Withdrawals/Month |
|---|---|---|---|
| Basic (Level 1) | [verify] | [verify] | [verify] |
| Standard (Level 2) | [verify] | [verify] | [verify] |
| Advanced (Level 3) | [verify] | [verify] | [verify] |
To increase your Bybit Card ATM limit, complete the next level of KYC verification in your Bybit account settings. This is the primary mechanism for raising your ATM limits. Verify the exact tier names and limit figures against Bybit KYC verification documentation before publication, as tier naming conventions may change.
How the Bybit Card Conversion Rate and Spread Fee Work
The Bybit Card applies a conversion rate that differs from the market rate when you spend crypto. The gap between those two rates is the spread fee, and it applies to every crypto-to-fiat transaction you make with the card.
What Is the Bybit Card Spread Fee?
The Bybit Card charges a spread fee on every cryptocurrency-to-fiat conversion. This fee is built into the exchange rate Bybit applies at the moment of your transaction. It does not appear as a separate line item on your receipt. Confirm the exact spread fee percentage on Bybit's official card fee schedule before publication.
A spread fee is the percentage difference between the mid-market rate and the rate Bybit gives you when converting your crypto to fiat. The mid-market rate is the midpoint between the buy and sell prices of a currency pair, also called the interbank rate. Card issuers always apply a rate that differs from the mid-market rate, and the gap between the two is the spread.
Bybit's internal pricing engine sets the conversion rate at the moment of your transaction. That rate includes the spread, which means the spread cost is deducted from your effective payout rather than billed separately.
Example (illustrative figures): You have $100.00 worth of BTC in your Bybit spot wallet. Bybit applies a 0.5% spread fee at the moment of transaction. Spread fee cost: $0.50 Fiat you receive: $99.50 The $0.50 does not appear as a line item on your receipt. It is reflected in the exchange rate applied.
Spending ETH instead of BTC produces the same result. The spread percentage applies to all volatile asset conversions.
This is why your Bybit Card charges more than the market rate at the ATM: the rate Bybit applies includes the spread, which reduces the fiat equivalent you receive compared to what the mid-market rate would give you. On the Bybit Card, the conversion fee and spread fee refer to the same mechanism. Bybit uses these terms to describe the margin embedded in the exchange rate rather than a separate transaction charge.
How to Pay with Crypto at an ATM
Here is how to pay with crypto using the Bybit Card — from the moment you insert it at an ATM to the moment cash is dispensed:
- You request a cash withdrawal. Enter your PIN and select the withdrawal amount in local fiat currency.
- The ATM communicates with the Visa or Mastercard network. The payment network sends the transaction request to Bybit's processing system.
- Bybit converts the required fiat amount from your crypto balance. Bybit's system calculates how much crypto covers the withdrawal at its current conversion rate, which includes the spread fee. This conversion happens off-chain within Bybit's system, not as a blockchain transaction.
- The fiat equivalent is debited from your Bybit spot wallet (not from a trading account, derivatives account, or external wallet). Funds must be present in the spot wallet before the card can be used.
- You receive your cash. The ATM operator dispenses the physical currency.
Conversion is real-time, meaning the exchange rate locks at the exact moment you request the withdrawal. For volatile assets like BTC or ETH, this matters: if the price of your held asset falls between when you initiate the withdrawal and when the conversion executes, you receive less fiat than you expected. Stablecoins like USDT (Tether) eliminate this exposure because their value is pegged to the reference fiat currency. For more detail on how individual Bybit Card transactions process, see the Bybit Card transaction FAQ.
The ATM conversion flow differs from a point-of-sale purchase only in step three: at a POS terminal, the merchant's processor sends the fiat amount, and Bybit converts your crypto at that moment the same way. The spread fee applies in both cases.
Does It Matter Which Crypto You Use?
The crypto asset in your Bybit spot wallet directly affects how much conversion fee you pay at the ATM. Spending USDT (Tether), a stablecoin pegged 1:1 to the US dollar, at a USD-denominated ATM involves no meaningful exchange rate fluctuation. That reduces or eliminates spread fee exposure. Spending BTC or ETH means Bybit converts a volatile asset at the current market rate plus the spread, so the total cost varies with price movement.
The Bybit Card supports spending from BTC, ETH, USDT, USDC (USD Coin), and other assets in your Bybit spot wallet. USDT is Bybit's primary account currency and the default asset for card activity. If minimizing conversion costs is a priority, the asset you choose matters. The fee minimization section below addresses this directly.
International ATM Use: Foreign Transaction Fees and Stacked Costs
The Bybit Card works at any ATM that accepts Visa or Mastercard globally, but using it internationally can involve up to three separate and stackable fees that go beyond the standard spread.
Using your Bybit Card at an international ATM — one that dispenses currency different from your card's base currency — may trigger a foreign transaction fee (FX fee). This charge comes from the Visa or Mastercard payment network, not from Bybit, and applies when the transaction currency differs from the card's base currency. Confirm whether Bybit also applies an additional FX markup on top of the network fee by checking Bybit's official card fee schedule.
The three fee layers that can apply to a single international ATM withdrawal are:
- Bybit spread/conversion fee: applies to every crypto-to-fiat conversion, domestic or international
- Visa/Mastercard FX fee: charged by the payment network when transaction currency differs from your card's base currency
- ATM operator surcharge: a flat fee or percentage set by the ATM owner, independent of Bybit and outside its control
Example (illustrative figures): You withdraw the equivalent of $100.00 from an international ATM. After Bybit spread fee (0.5%): $99.50 equivalent After Visa/Mastercard FX fee (1.5%): $98.01 equivalent After ATM operator surcharge ($3.00 flat): $95.01 cash received Total cost: approximately $4.99, or 5.0% of the withdrawal amount
These figures are illustrative. Actual fees depend on your card's base currency, the ATM operator, and current Bybit fee rates.
International ATM withdrawals count toward the same monthly ATM withdrawal limit as domestic withdrawals. No separate international allowance exists.
Best Crypto Debit Card Comparison: Bybit Card vs. Binance Card vs. Crypto.com Card
Choosing the best crypto debit card depends on your spending habits, ATM usage, and the assets you hold. The table below shows how the Bybit Card's fees and ATM limits compare to three other widely used crypto debit cards. Verify all figures against each card's official fee page before publication, as competitor fees change frequently.
| Card | Conversion/Spread Fee | Daily ATM Limit | Monthly ATM Limit | Free ATM Withdrawals/Month | Foreign Transaction Fee | Card Network | |---|---|---|---|---|---|---| | Bybit Card | [verify] % | [verify] | [verify] | [verify] | [verify] % | Visa/Mastercard (region-dependent) | | Binance Card | [verify] % | [verify] | [verify] | [verify] | [verify] % | Visa | | Crypto.com Visa Card (Ruby Steel) | [verify] % | [verify] | [verify] | [verify] | [verify] % | Visa | | Coinbase Card | [verify] % | [verify] | [verify] | [verify] | [verify] % | Visa |
The Crypto.com Visa Card operates on a tiered structure (Ruby Steel, Jade Green, Royal Indigo, and higher tiers). Each tier requires staking a set amount of CRO tokens, with higher tiers providing higher ATM limits and fee waivers. The table above reflects the base Ruby Steel tier. The Coinbase Card is currently available primarily in the UK and select European markets. Confirm current availability at the Coinbase Card product page before referencing.
Competitor fee data sourced from official product pages: Binance Card fees and limits, Crypto.com Visa Card fees and limits, Coinbase Card product page. Data verified [Month Year]. Fees are subject to change.
How to Minimize Fees When Using the Bybit Card
Five practices can meaningfully reduce the total fees you pay when using the Bybit Card for everyday spending and ATM withdrawals.
Spend USDT (Tether) or USDC (USD Coin) instead of volatile crypto assets. When you spend a stablecoin pegged to your transaction currency, the spread fee has minimal impact because no significant exchange rate conversion is required. Spending BTC or ETH converts a volatile asset at the current spread rate, adding cost that stablecoin spending avoids.
Consolidate ATM withdrawals into fewer, larger transactions. Each ATM withdrawal
consumes one unit of your monthly free allowance and incurs a per-transaction fee once that allowance is exhausted. Two withdrawals of $200 each cost twice as many fee events as one withdrawal of $400.
Avoid international ATM withdrawals when possible. Using your Bybit Card at an ATM that dispenses a different currency than your card's base currency triggers the FX fee on top of the standard spread. Add a potential ATM operator surcharge and the total cost of a single international withdrawal can reach 4–6% of the amount withdrawn, based on illustrative figures shown in the international ATM section above.
Complete full KYC verification on your Bybit account. Bybit requires KYC verification
to access higher ATM withdrawal limits and a larger monthly free ATM withdrawal allowance. Completing the highest available KYC tier gives you the most room to withdraw before per-transaction fees begin. Access the verification process through your Bybit account settings.
- Check ATM operator surcharge policies before withdrawing. Some ATMs display their surcharge amount before you confirm the transaction. Decline and find a no-surcharge ATM if the fee is significant relative to your withdrawal amount. ATM surcharges are set by the ATM owner and are outside Bybit's control.
For users who want to avoid centralized card fees entirely, on-chain crypto payments via decentralized finance (DeFi) protocols offer an alternative spending pathway, though this requires a different technical setup and is beyond the scope of this guide.
Frequently Asked Questions About Bybit Card Fees and ATM Limits
What is the Bybit Card conversion fee?
The Bybit Card charges a spread fee on every crypto-to-fiat conversion, which functions as the conversion fee. Confirm the exact percentage on Bybit's official card fee schedule, as Bybit updates it periodically. This fee is built into the exchange rate applied at the moment of your transaction and does not appear as a separate line item on your receipt.
What is the Bybit Card ATM withdrawal limit?
The Bybit Card daily ATM withdrawal limit and monthly ATM withdrawal limit both depend on your KYC verification level. Higher KYC tiers grant higher limits. The monthly limit resets on a calendar month basis. Verify current figures for your KYC tier on Bybit's official fee schedule, as limit amounts are subject to change.
Does the Bybit Card charge foreign transaction fees?
Yes, a foreign transaction fee (FX fee) may apply when you use the Bybit Card at an ATM or merchant that processes transactions in a currency different from your card's base currency. This fee is charged by the Visa or Mastercard payment network, not by Bybit. On top of that, Bybit's own spread fee applies to all conversions, and the ATM operator may charge a separate surcharge. These three fees are stackable on a single international ATM withdrawal.
What is the difference between a conversion fee and a spread fee?
A spread fee is the margin embedded in the exchange rate: the difference between the mid-market rate (the theoretical interbank rate) and the rate you actually receive when Bybit converts your crypto to fiat. A conversion fee is a broader term sometimes used to describe the same mechanism. On the Bybit Card, Bybit embeds its fee in the exchange rate rather than charging a separate transaction fee, so both terms refer to the same cost. Neither appears as a distinct line item on your receipt.
Are there free ATM withdrawals on the Bybit Card?
Yes, the Bybit Card includes a monthly free ATM withdrawal allowance before per-transaction fees apply. The exact number of free withdrawals per month depends on your KYC verification level. Once you exhaust the free allowance, each additional ATM withdrawal within that calendar month incurs a per-transaction fee. Confirm the current allowance for your KYC tier on Bybit's official card fee schedule.
How do I increase my Bybit Card ATM limit?
To increase your Bybit Card ATM limit, complete the next level of KYC verification in your Bybit account settings. KYC tier is the primary mechanism for raising both daily and monthly ATM withdrawal limits on the Bybit Card. Review the current tier structure and required documentation in Bybit KYC verification documentation.
Does the Bybit Card work internationally?
Yes, the Bybit Card is accepted at any ATM or merchant that displays the Visa or Mastercard logo globally, covering the majority of ATMs worldwide. Using the card where the transaction currency differs from your card's base currency may trigger a foreign transaction fee (FX fee) from the payment network, alongside Bybit's standard spread fee. International ATM withdrawals also count toward your monthly ATM withdrawal limit.
What happens if my crypto drops in value before it converts at the ATM?
The Bybit Card converts your crypto to fiat in real-time at the moment you request the ATM withdrawal. The exchange rate locks at that instant. If the market price of your held asset (such as BTC or ETH) falls between when you initiate the withdrawal and when the conversion executes, you will receive less fiat than you would have at the earlier price. This risk does not apply to stablecoins like USDT, which maintain a fixed 1:1 peg to the reference fiat currency.
How does the Bybit Card compare to the Binance Card?
The Bybit Card and Binance Card are both Visa-powered crypto debit cards that convert crypto to fiat at the point of transaction. Key differences in fees and ATM limits are shown in the comparison table in the fee comparison section above. Verify the spread fees and ATM limit figures for both cards against their respective official fee pages, as these figures change periodically.
Is the Bybit Card free to use?
The Bybit Card may have an issuance or delivery fee for the physical card, though a virtual card option may be available at no cost. There is no credit check, as the card is prepaid and funded by your crypto balance. Ongoing fees depend on card activity, and an inactivity fee may apply after a defined period without transactions. Confirm all current fee figures on Bybit's official card fee schedule.
Final Thoughts: Understanding What You Pay With the Bybit Card
Understanding the spread fee and ATM withdrawal limits gives you the framework to calculate the true cost of using the Bybit Card. The spread fee is built into the exchange rate at the moment of each transaction rather than shown as a separate charge, which means the cost is real but not immediately visible on your receipt. Your ATM withdrawal limits are directly tied to your KYC verification level, and completing higher verification is the clearest path to increasing those limits. Before using the Bybit Card for any ATM withdrawal or international spending, confirm all current conversion rates and limit figures on Bybit's official card fee schedule.
Ready to get started? Apply for the Bybit Card or refer a friend via the Bybit Card referral program.
This article is for informational purposes only and does not constitute financial advice. Cryptocurrency or digital asset products involve risk. Always do your own research before making financial decisions.
Related Reading
- [Fees And Spending Limits Bybit Card](https://www.bybit.com/en/help-center/article/Fees-and-Spending-Limits-Bybit-Card)
- [FAQ Bybit Card Transaction](https://www.bybit.com/en/help-center/article/FAQ-Bybit-Card-Transaction)
- [How Bybit Card Transactions Work](https://www.bybit.com/en/help-center/article/How-Bybit-Card-Transactions-Work)
- [Conversion Of Small Balances Or Unsupported Assets Into USDT Other Digital Assets Or Fiat Currencies](https://www.bybit.com/en/help-center/article/Conversion-of-Small-Balances-or-Unsu pported-Assets-into-USDT-other-Digital-Assets-or-Fiat-Currencies)