Bybit vs Gate (Gate.io): fees, coins and MiCA licences

Bybit vs Gate is a fair fight for EU residents, because both exchanges hold a MiCA licence. The Bybit crypto exchange serves the EEA through Bybit EU GmbH, authorised by Austria’s FMA in May 2025, and Gate (formerly Gate.io) through Gate Technology Ltd, authorised by Malta’s MFSA in September 2025. Gate EU is cheaper, at 0.10% per spot trade against 0.25%, and lists far more coins. Bybit EU publishes more about deposits and support, takes card and Apple Pay top-ups, and offers spot margin.

We checked both exchanges’ fee pages, user agreements, licence registers and public APIs on 23 October 2026, and every number below comes from those checks; our methodology explains how we work. For the full picture, see our Bybit review and Gate review. Crypto is volatile, and you can lose all the money you put in.

Bybit vs Gate: the short answer

Choose Gate EU for the lowest trading fees and the widest coin list; choose Bybit EU for clearer deposit costs and service details. By goal:

• You want low fees on spot trades: Gate EU, at €1.00 per €1,000. The catch: it doesn’t publish its euro deposit, withdrawal or card fees.
• You want altcoins: Gate EU, with roughly 420 to 440 markets. The catch: smaller coins carry the highest risk.
• You want to pay by card, Apple Pay or Google Pay with known deposit costs: Bybit EU. The catch: a flat 0.25% fee and a $1.5bn hack in 2025.
• You want futures or copy trading: neither offers them to EU residents.
• You live in the US: neither. Both exclude US residents.

Bybit vs Gate licences: Bybit EU in Austria, Gate EU in Malta

Both exchanges are authorised under MiCA and passported to the Netherlands, Germany, Belgium and Ireland, so EU residents can legally open an account with either. Since 1 July 2026 only MiCA-authorised providers may offer crypto services in the EU.

• Bybit EU GmbH (FN 636180i, 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, also in Austria, became a licensed e-money institution in August 2026. Outside the EU the Bybit group is headquartered in Dubai and holds a UAE licence from the SCA.
• Gate Technology Ltd (C 89337, licence GTEC-25238) was authorised by the MFSA on 29 September 2025 for custody, operating a trading platform, exchange, order execution and transfer services; France’s AMF lists 30 September 2025. Gate Technology also holds an MFSA financial institution licence for payment services with e-money tokens. Gate says it was founded in 2013 and passed 60 million users worldwide in September 2026.

Gate EU vs Gate’s global site

Gate runs two separate platforms, and EU residents must use the EU one. Gate EU (gate.com/en-eu) is the MiCA-licensed service. Gate’s global platform, which offers futures, margin and copy trading, lists the US, the UK, the Netherlands, Germany, France, Spain, Austria and Malta among its restricted jurisdictions. Bybit works the same way: EEA residents use bybit.eu, and the derivatives on Bybit’s global site are not part of the EU offer.

Don’t register on a global site from a country it restricts, and don’t use a VPN to get around it. You lose the licence’s protection, and the account can be frozen.

Bybit vs Gate trading fees

In the Bybit vs Gate fee comparison, Gate EU charges less: 0.10% maker and 0.10% taker at the entry tier (VIP 0), against a single 0.25% rate for both maker and taker orders at Bybit EU since 5 October 2026.

What that means for realistic orders:

On €1,000, Gate EU is €1.50 cheaper per trade. Over a year of €100 monthly buys, the difference in trading fees is €1.80, which matters less than the deposit costs and withdrawal fees you can’t yet see at Gate.

One note on Gate’s pricing: Gate’s public API lists a 0.2% fee per pair, while the Gate EU fee page shows 0.1% for VIP 0. We use the EU fee page, but check the fee shown on your order screen before you trade.

Order types and VIP discounts

Both exchanges charge the same rate for maker and taker orders at the entry tier, so on either one a limit order costs the same as a market order. Fees fall with volume: Bybit EU’s rate drops to 0.15% at higher non-VIP volume and to 0.045% at its top Supreme VIP tier, and Gate’s VIP tiers 1 to 16 go down to 0% maker and 0.02% taker. Gate EU also offers Convert, advertised with no fees and no slippage; its spread is not published, so compare the quoted price with the order book price.

Deposits, withdrawals and the full cost

Bybit EU publishes more of its euro costs; Gate EU publishes almost none. 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 in Germany, the Netherlands, Belgium and Ireland, among other EEA countries. Its SEPA and crypto withdrawal fees are shown only in the logged-in withdrawal window.

Gate EU supports euro deposits via SEPA, but its deposit page doesn’t publish a deposit or withdrawal fee. Its card purchase and bitcoin withdrawal fees were not published on the pages we checked.

A €1,000 round trip (deposit by SEPA, buy, sell at the same price, withdraw) costs about €2.00 in trading fees at Gate EU and about €5.00 at Bybit EU, plus each exchange’s withdrawal fee, which you can only see in your account. If you withdraw crypto, check the network fee on each platform before you confirm.

Bybit vs Gate: coins, markets and currencies

Gate EU lists far more coins. Its EU markets page shows roughly 420 to 440 markets with euro and USDC pairs, an estimate because the page is paginated. Bybit EU lists 100+ coins; its public spot API showed 108 base coins on 23 October 2026. Gate’s global site advertises 5,400+ coins, but EU residents can’t use it.

For bitcoin, ether and other large coins, either range is enough. Gate EU’s wider list matters if you want smaller altcoins, which are also the most likely to lose most of their value. Bybit EU supports the euro and the Polish zloty as currencies; Gate EU supports the euro.

Futures, margin, copy trading and other products

Neither exchange offers derivatives to EU residents, so this Bybit vs Gate comparison is about spot trading. The EU product ranges differ in the details:

• Bybit EU: spot trading, spot margin, Earn products, the Bybit card, an app and an API.
• Gate EU: spot trading, Convert, staking, OTC trading, custody, euro on- and off-ramp and a card. It has no futures trading, margin or copy trading, and we could not confirm whether its app and API are available for Gate EU accounts.

Both global platforms offer futures and copy trading, but not to EU residents. If you trade them from outside the EU, know the risks before you open a position.

Bybit vs Gate security: proof of reserves and track record

Gate has the quieter record in the data we could verify; Bybit has the larger incident. Both publish proof of reserves.

• Bybit: on 21 February 2025 about $1.5bn in ETH was stolen from Bybit’s wallets; the FBI attributed the theft to North Korea. Bybit publishes a Merkle-tree proof of reserves with wallet addresses, latest snapshot 23 September 2026. Its regulatory record includes a settlement of about $228m with the FTX estate (2024), a €2.25m DNB fine for serving Dutch clients without registration (2024) and a ₹9.27 crore fine from India’s FIU (2025).
• Gate: Gate uses a Merkle-tree and zk-SNARK proof of reserves, with the implementation audited by Hacken in January 2024; the current reserve ratio and snapshot date did not load on the page we checked. We found no security incidents or regulatory actions in the sources we could verify, but we could not check reports of older incidents, so we don’t call its record clean.

A MiCA licence means a regulator supervises how each exchange holds your funds. It is not a guarantee: crypto is not covered by EU investor compensation schemes. Use app-based two-factor authentication, send a small test withdrawal first, and keep long-term holdings in your own wallet.

Account opening, KYC and support

Both exchanges require identity verification before you can trade. Bybit EU asks for an ID document and a selfie for fiat deposits, Earn and higher withdrawal limits, and offers 24/7 support with case and complaint submission through its help centre. Gate EU’s user agreement, updated 23 September 2026, requires customer due diligence with identity documents to open an account, and users must be 18 or older. We could not confirm Gate EU’s support channels.

Referral codes and sign-up bonuses

This page contains no referral codes. If an exchange offers a sign-up bonus or referral rebate, read its terms first: a bonus is marketing, not a reason to choose an exchange.

Moving funds between Bybit and Gate

You can hold accounts on both exchanges and move crypto between them, because both are licensed in the EU. A few rules keep a transfer from going wrong:

• choose the same network on both sides when you send a coin or a stablecoin such as USDC; a deposit sent on the wrong network can be lost;
• send a small test amount first, then the rest;
• check the withdrawal fee shown before you confirm, because neither exchange publishes its withdrawal fees for EU accounts on public pages;
• expect questions about the receiving account: EU crypto platforms must pass on sender and receiver details with every crypto transfer between providers.

The same applies when you move coins to your own wallet, which is the better place for long-term holdings.

Bybit vs Gate: who should choose which?

Both are licensed, so choose by cost, coins and how you pay. By reader:

• EU beginner investing €50–500 a month: either works. Gate EU is cheaper at €0.10 per €100; Bybit EU, at €0.25, tells you more about deposit costs up front.
• Altcoin buyer in the EU: Gate EU, for the wider market list.
• EU buyer who pays by card or Apple Pay: Bybit EU.
• EU user who wants an app with a Visa card and more published fees: compare Bybit vs Crypto.com and Gate vs Crypto.com.
• Futures or copy trader: neither, inside the EU. If you are weighing Bybit against a copy trading exchange, see Bybit vs Bitget, and note that Bitget has no EU licence.
• US or UK resident: neither. Both exclude US residents, Gate EU and Gate’s global site don’t serve the UK, and Bybit’s UK status is unclear.

Bybit vs Gate: final verdict

Gate wins the Bybit vs Gate comparison on price and range: 0.10% per trade and roughly four times as many markets, under a Maltese MiCA licence. Bybit wins on transparency and service: no fiat deposit fee, card and Apple Pay top-ups, 24/7 support and published KYC rules, under an Austrian MiCA licence, but with a flat 0.25% fee and a $1.5bn hack in 2025. Neither offers futures or copy trading in the EU. Whichever you pick, check the withdrawal fees in your account before you deposit, keep only what you trade on the exchange, and remember that crypto can lose its entire value.