Bybit EU Review: User Opinions and Comprehensive Analysis in 2026

Written by Exchange Selector Team

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Before going into the detailed analysis, here is a summary with the most important data of Bybit EU at a glance.

Quick overview

Bybit EU

4,6/5

Europe MiCA Bybit Card Trading

Headquarters

Vienna, Austria

Regulated by

FMA (MiCA)

Cryptocurrencies

More than 100

Maker fee

0,25 %

Taker fee

0,25 %

Minimum deposit

10 €

Ideal for

Traders UE MiCA

Open account in Bybit EU

Investing in cryptocurrencies carries the risk of partial or total loss of capital. The content of this review
is informative and does not constitute financial advice.

Bybit EU: the exchange of Bybit with license MiCA for Europe

Bybit EU is the European platform of Bybit, one of the largest exchanges in the world by volume. Launched on 1 July 2025 for users in the European Economic Area (all countries except Malta). Offers over 100 cryptocurrencies, trading spot, earn products and the Bybit Card. Their commissions start at 0.25% for both maker and taker orders, with a minimum deposit of €10.

Operates under a MiCA license, granted in May 2025 by the Austrian Financial Markets Authority (FMA) to Bybit EU GmbH, based in Vienna. This authorization allows it to offer its services in 29 EEA countries under a single regulatory framework. As of 1 July 2026, EEA users can only trade via Bybit EU, and the global Bybit platform is no longer available to them.

Advantages:

• Austrian FMA MiCA license and headquarters in Vienna
• Spot from 0.25% and up to 0.045% with VIP
• Mastercard card with no annual fee and 1% cashback

Disadvantages:

• Limited derivatives offering against Bybit’s global platform
• No access to the global platform from the EEA since 1 July 2026
• Buy, Sell y Convert con un solo clic tienen un spread del 1,30 % (1,80 % fuera de horario)

Where is Bybit EU available? 29 European countries

Bybit EU is available in 29 European countries: 26 of the 27 in the European Union (all but Malta) plus Iceland, Liechtenstein and Norway. It is a platform separate from the global Bybit, created only for residents of the European Economic Area and operated from Vienna under the MiCA license of Austria.

All you need is to reside in one of the countries marked on the map, and Spain is included. Although Malta belongs to the EEA, its residents cannot use Bybit EU for now. Outside the EEA, such as in Switzerland or the UK, the platform also does not provide service.

Deposits at Bybit EU: fiat and cryptocurrencies

Bybit EU allows you to deposit fiat money in EUR and PLN, always after verifying your identity; deposits in SEK are not available at the moment. In euros are available SEPA, SEPA Instant and PayPal, as well as card, Apple Pay, Google Pay, Zen.com and easy bank payment. The minimum is 10 EUR and the maximum is 10,000,000 EUR. It is usually immediate, although it can take up to 3 business days.

Crypto chain deposits and internal transfers do not incur any commission from Bybit; you only pay the blockchain network’s commission. In fiat deposits, the cost varies by provider and method: according to Bybit’s guidance, the standard for EUR is around 1.55%, and in other EEA currencies it reaches 2.3%.

Withdrawals at Bybit EU: EUR, PLN and SEK

Bybit EU allows you to withdraw fiat money from the Funding Account to your bank account in EUR and PLN. Identity verification must be completed, and limits may apply depending on your verification and VIP level. In the table you have the methods, commissions and deadlines available.

Withdrawals in SEK are not available at the moment, and pending orders will be completed within 5 business days. Currency availability and methods vary depending on your region and compliance with regulatory requirements, so it’s wise to check the exact cost on the platform before confirming.

Bybit EU commissions: a spot rate and spread on quick purchases

Since 5 October 2026, Bybit EU applies a single fee structure for the entire account. In trading spot, a non-VIP user pays 0.25% per trade, and drops to 0.15% from 500,000 USDC volume within 30 days. VIP levels pay between 0.12% and 0.045%.

One-Click Buy, One-Click Sell and Convert do not charge a separate fee: the cost is included as a spread in the price you see before confirming. It’s 1.30% during business hours and 1.80% outside of business hours, and the amount shown is what you receive.

Non-business hours are Monday to Friday from 10:00 pm to 8:30 am (CET) and all weekend.

Spot fees per level

Trading spot fees drop based on your trading volume in the last 30 days. Without VIP, they start at 0.25% and get to 0.15% from 500,000 USDC; VIP levels pay between 0.12% and 0.045%.

To deposit euros you can use SEPA, SEPA Instant or PayPal, always after verifying your identity. It’s usually immediate, though some deposits can take up to 3 business days.

Bybit Earn in the EU: how it works and what conditions it has

Bybit Earn allows you to underwrite crypto assets for an annual percentage rate (APR). There are two modalities: flexible term, in which the return depends on the asset and amount subscribed, and fixed term, in which the period and APR are closed upon hiring.

In fixed term, the yield is paid up with the principal on maturity; in flexible term, it is paid every day at 02:30 (CEST). In both cases it is not capitalized. Here are some of the options currently available:

Bybit Earn is not a regulated product under Regulation (EU) 2023/1114 (MiCAR). By subscribing, you transfer full legal ownership and beneficial ownership of the crypto assets to Bybit EU GmbH, which may use them on its own account for the duration of the subscription. You only retain a contractual right, no property or security rights, and MiCAR’s client asset protections do not apply.

Bybit EU Card: the Mastercard to spend your crypto

The Bybit EU Card is a Mastercard card that spends directly from your Bybit EU funding account, without having its own balance: you top it up by buying crypto or depositing it from another wallet. You earn 1% cashback without a monthly limit on eligible purchases, and VIP users can get up to 10%, with monthly limits. It has no annual fee or inactivity.

To apply for it you need level 2 identity verification and proof of address from an EEA country less than 3 months old. The virtual one is usually approved in minutes and, after that, you can add it to Apple Pay or Google Pay or order the physical one, which takes up to 30 days.

Bybit Pay in the EU: crypto payments and user-to-user shipments

Bybit Pay allows you to pay with cryptocurrency in stores, online or physical, that accept it, and send assets to other users of Bybit Pay. To pay in store, scan the QR code of the shop in the app, check the amount and asset, and confirm. You can also send funds by internal transfer using the email, phone or Bybit user ID. To activate it is necessary to verify your identity.

Bybit Pay does not use a separate wallet: your available balance is calculated from the Funding Account, plus funds available through Rewards Service in the currencies of your choice. To top up you can buy fiat or crypto, make an internal transfer or deposit crypto from another wallet. Payments have no processing fee, although conversion fees may apply.

Bybit EU Trading Bot: Grid spot and DCA

The Trading Bot from Bybit EU automates your trades with two strategies. Spot Grid places buy and sell orders at price intervals within a range you define, and executes them alone when the market hits those levels, 24 hours. Fits better in lateral markets, where the price fluctuates without a clear trend.

DCA invests a fixed amount in the asset you choose at regular intervals, to average the purchase price over time. It is meant to accumulate in the long term without trying to guess the moment of entry. The bot does not charge extra commission: you only pay the spot fee according to your VIP level, when orders are executed. Like everything in crypto, it does not eliminate the risk of loss.

Customer service and support at Bybit EU

The Bybit EU Help Center gathers guides by topics (account, identity verification, deposits and withdrawals, Earn, card, Bybit Pay) and a self-service section for usual tasks: changing mail or phone, resetting Google Authenticator, appeal the KYC or consult a crypto deposit that has not arrived. For specific cases, the Support Center allows you to open a request and track its status; information is updated in 15-30 minutes after any changes.

Requests can be submitted via online case submission or live chat, available 24/7. For formal claims, you must provide the UID, registered mail, transaction or order ID (if applicable), and a description of the issue. The service is free of charge. Bybit replies in writing within 5 business days and gives a final decision in 15 in most cases. If no agreement is reached, recourse may be had to external bodies.

Bybit EU in 2026: is it worth it?

Bybit EU is a good choice for European traders looking for a regulated platform with low spot fees. Combines Austrian FMA MiCA license, over 100 cryptocurrencies, a 0.25% spot fee and products like Earn, Bybit Pay and the Bybit Card - all within one account. In addition, the card offers 1% cashback without annual fee.

There are several aspects to consider. Bybit Earn is out of MiCAR: by subscribing, you cede ownership of your crypto assets to Bybit EU GmbH and its protections do not apply. Quick purchases (One-Click Buy, Sell and Convert) have a spread of 1.30% or 1.80%, and fiat deposits and withdrawals have costs depending on the method. That’s why we recommend it above all to those who trade on spot and use the card, not to those who seek profitability with Earn. Still, the balance between regulation, costs, and products leads us to score it 4.6 out of 5.

Esta reseña se basa en el uso real de la plataforma y en la información oficial de Bybit EU. Los datos se revisaron en octubre de 2026 y actualizamos la reseña cuando cambian las condiciones. Si detectas algún dato desactualizado, escríbenos y lo corregiremos.

Written by the Exchange Selector Team

Exchange Selector is an independent cryptocurrency exchange comparison platform designed to help users make informed decisions in a complex and ever-changing market.

Revisado por última vez: octubre 2026