Bybit vs Crypto.com: fees, cards and MiCA licences compared

Bybit vs Crypto.com is one of the few comparisons where both exchanges can legally serve EU residents. Bybit EU GmbH holds a MiCA licence from Austria’s FMA, and Crypto.com’s Foris DAX MT Limited holds one from Malta’s MFSA. So the choice comes down to cost and features: Bybit EU charges a flat 0.25% on every spot trade, while Crypto.com offers more coins, an app with a Visa card, and tokenised US stocks, but charges 0.8% plus a spread for app purchases.

We checked both exchanges’ fee pages, licence registers and help centres on 23 October 2026, and every number below comes from those checks. For the full picture, see our Bybit review and Crypto.com review. Crypto is volatile, and you can lose all the money you invest; nothing here is investment advice.

Bybit vs Crypto.com: the short answer

There is no clear winner for every reader, but there is one for most goals. In brief:

• You want the cheapest simple buys in euros: Bybit EU. A €100 buy costs €0.25. The catch: Bybit lost about $1.5bn in a February 2025 hack, and its withdrawal fees are only visible after login.
• You want more coins or tokenised US stocks: Crypto.com, with 400+ cryptocurrencies. The catch: the app’s 0.8% fee plus spread, unless you use the Exchange.
• You want an app for everyday use with a card: both offer a card; Crypto.com publishes more of its fees.
• You live in the US or the UK: Crypto.com. Bybit excludes US persons.

Is Bybit regulated? Licences of both exchanges

Yes: both are regulated crypto exchanges under MiCA, the EU’s crypto law, and both are passported to the Netherlands, Germany, Belgium and Ireland. Since 1 July 2026 only MiCA-authorised providers may serve EU residents, and both pass that test.

• Bybit EU GmbH (Vienna) was authorised by the FMA on 28 May 2025 for custody, exchange of crypto for funds and other crypto, placing and transfer services. It covers the EEA except Malta. Bybit Payments GmbH became a licensed e-money institution in August 2026.
• Foris DAX MT Limited (Crypto.com) was authorised by the MFSA, notified to ESMA on 27 January 2025, for custody, exchange, order execution, reception and transmission of orders, and transfers. The group also runs a Maltese e-money institution for its euro account and card, a CySEC-licensed MiFID firm, and an FCA-registered UK entity.

Both have Dutch fines from before their licences: DNB fined Bybit Fintech €2.25m (2024) and Crypto.com’s Foris DAX MT €2.85m (imposed 2023, under appeal), each for serving Dutch clients without registration.

Bybit vs Crypto.com fees

Bybit EU’s fee structure is the simplest: one rate of 0.25% for both maker and taker orders since 5 October 2026, for accounts below 100,000 USDC of 30-day volume. Crypto.com charges a 0.25% maker fee and a 0.50% taker fee on its Exchange, and a 0.8% trading fee plus a possible spread in its app.

What each route costs for spot trading:

For a market order, Bybit EU’s taker fee is half of Crypto.com’s. For a limit order that waits in the order book, the two cost the same at the entry tier. The Crypto.com App is the most expensive route by far, and its spread isn’t published. Both exchanges lower fees for active traders: Bybit EU to 0.15% at higher volume and 0.045% at its top tier, Crypto.com to 0.08% maker and 0.18% taker from $500,000 of 30-day volume, or 0% maker with 50,000 CRO or more.

Deposits and withdrawal fees

Crypto.com publishes its euro fees; Bybit EU publishes only part of them. Crypto.com’s EEA schedule: SEPA deposits from your bank account are free (minimum €1), card deposits cost 3.99% (€3.99 on €100), SEPA withdrawals cost €1.00 (minimum €80), and bitcoin withdrawals cost 0.0002 BTC below 0.002 BTC and 0.0004 BTC above. Bybit EU says it charges no fee on fiat deposits, though payment providers may add their own, and it supports Visa, Mastercard, Apple Pay and Google Pay top-ups. Its SEPA and crypto withdrawal fees are shown only in the logged-in withdrawal window.

A €1,000 round trip with market orders (deposit, buy, sell at the same price, withdraw euros) costs about €5.00 in trading fees at Bybit EU plus its withdrawal fee, against about €11.00 on the Crypto.com Exchange (€5.00 + €5.00 + €1.00).

Spot market, margin and derivatives

Both EU offers are built around the spot market; neither gives EU residents crypto derivatives. Bybit EU offers spot trading and spot margin trading, but the perpetual futures on Bybit’s global platform are not part of bybit.eu. Crypto.com’s Exchange derivatives are geo-restricted in every EEA country, the UK and the US.

Crypto.com has one product Bybit EU lacks: since 12 August 2026 EEA users can trade tokenised US stocks and ETFs, which are derivative instruments issued by CySEC-regulated Foris Capital CY Limited, so you get price exposure without owning the shares. Neither offers copy trading or social trading in the EU: Crypto.com has none, and Bybit EU’s copy trading is not confirmed.

Supported coins and fiat currencies

Crypto.com lists more supported coins: 400+, against 100+ on Bybit EU (108 base coins in its public spot API on 23 October 2026). For bitcoin, ether and other large coins either is enough; crypto enthusiasts looking for smaller tokens will find more on Crypto.com.

Fiat currencies: Bybit EU supports the euro and the Polish zloty. Crypto.com supports seven, including the euro, the pound and the US dollar, which matters if you move between various countries.

Bybit card vs Crypto.com Visa card and Earn

Both exchanges offer a debit card for everyday use. Crypto.com’s prepaid Visa card and euro account come from Foris MT Limited, its Maltese e-money institution. Bybit offers the Bybit card in the EU, and its card fees were not on the public pages we checked. Card reward conditions change, so read the current terms before choosing a card for its rewards.

Both also let you earn rewards through staking or Earn products. Crypto.com states that its Earn and staking products are not regulated under MiCA. Bybit EU requires identity verification before you can use Earn. Rewards are paid in crypto, can change at any time and don’t protect you from price falls.

Security and track record

Crypto.com has the smaller security incidents; neither has a clean record. The main facts:

• Bybit: about $1.5bn in ETH was stolen from Bybit’s wallets on 21 February 2025, and the FBI attributed the theft to North Korea. Bybit publishes a Merkle-tree proof of reserves with wallet addresses (latest snapshot 23 September 2026). It also settled the FTX estate’s lawsuit for about $228m in 2024 and was fined by India’s FIU in 2025.
• Crypto.com: in 2022 attackers bypassed two-factor authentication on 483 accounts and took about $34 million; users were reimbursed. Its proof of reserves is based on a December 2022 snapshot. Its Account Protection Programme offers up to USD 250,000 of cover against unauthorised transactions.

A MiCA licence means a regulator supervises how each exchange holds user assets. It does not protect you from losses, and crypto is not covered by EU investor compensation schemes. Use app-based two-factor authentication and keep long-term holdings in your own wallet.

Mobile apps and support

Both have mobile apps and an API, and both offer 24/7 support: Bybit EU through its help centre, with case and complaint submission, and Crypto.com through live chat in the app and at chat.crypto.com. Both require identity verification before deposits. Crypto.com’s app is the simpler route for beginners, while advanced users and active traders pay less on the order book, which both exchanges offer.

Bybit vs Crypto.com: who should choose which?

Both are licensed, so choose by how you buy:

• EU beginner buying €50–500 a month with market orders: Bybit EU, at €0.25 per €100. If you want even lower fees, see Bybit vs Gate, where Gate EU charges 0.10%.
• EU buyer who places limit orders: either; both cost 0.25%. Crypto.com wins on coin choice.
• EU user who wants tokenised US stocks or a wide app: Crypto.com, using the Exchange for larger trades.
• US or UK resident: Crypto.com. For more options, see Binance vs Crypto.com.

Who should look elsewhere: EU traders who want regulated crypto futures, and anyone who wants a published proof of reserves newer than 2022 from Crypto.com.

Final verdict

In the Bybit vs Crypto.com comparison, Bybit EU wins on simple, low fees and Crypto.com wins on range, transparency of euro fees and reach outside the EU. Both are licensed under MiCA, so EU readers can compare them on features alone, though neither licence removes market risk. The cons of Bybit are its 2025 hack and fees hidden behind login; the main catch at Crypto.com is the app’s 0.8% plus spread. Whichever you choose, keep only what you trade on the exchange, and remember that crypto can lose its entire value.