Open a Bybit account, deposit BTC from your wallet, order the Bybit Card and understand how each payment draws on your balance.
Basics
The Bybit Card is a payment card linked to your Bybit account. You keep bitcoin on the account, and when you pay in a shop or online, Bybit converts only the amount of that purchase. The rest stays in BTC. This guide takes you from no account to a first payment.
Careful: Bybit does not serve US residents, and the card is issued only in certain countries. Check the list on Bybit's own card page before you start. If the card is not offered where you live, see Which exchange is right for me?.
What you need
A valid passport or national ID, and a phone with a camera for the identity check.
A proof of address if Bybit asks for one (a recent utility bill or bank statement).
An authenticator app on your phone for two-factor sign-in.
Your own wallet with the bitcoin you mined. No wallet yet? See SafePal wallet setup.
Step 1: open and verify your account
Go to bybit.com by typing the address yourself. Do not follow a link from an advert or a message.
Choose Sign up and create the account with your email and a strong password you use nowhere else.
Confirm your email with the code Bybit sends you.
Open your profile, then Identity verification, and follow the steps: photo of your ID, then a selfie.
Wait for approval. It is often quick, but it can take longer if a manual review is needed.
In the security settings, turn on two-factor sign-in with your authenticator app.
In the same settings, set an anti-phishing code if offered, so real emails from Bybit carry your code.
Step 2: deposit BTC from your wallet
On Bybit, open Assets, then Deposit.
Choose BTC as the asset.
Choose Bitcoin (BTC) as the network. Do not choose any other network in the list.
If Bybit asks which account to credit, choose the Funding account. The card draws on it.
Copy the deposit address with the copy button. Do not type it by hand.
Open your own wallet, choose Send, paste the address and compare the first six and last six characters with the Bybit screen.
Send a small test amount first and confirm the transaction in your wallet.
Wait until the deposit shows as credited on Bybit. The deposit screen says how many confirmations it needs.
Send the amount you want to keep on the card account, using the same address.
Open the Card section on Bybit. If you cannot find it, the card may not be offered in your country or on your account yet.
Choose Apply and confirm your name and address exactly as they appear on your ID.
Accept the card terms after reading the fee and limit summary.
Activate the virtual card, which is usually available right after approval.
Add the virtual card to Apple Pay or Google Pay if you want to pay with your phone.
Order the physical card if you want one, and activate it when it arrives.
In the card settings, choose which assets the card may use for payments, and make sure BTC is switched on.
How spending draws on your balance
The card has no balance of its own. It spends from your Bybit Funding account.
If you hold regular currency there (for example euros), that is normally used first. The assets you switched on, such as BTC, are used after it, in the order shown in the card settings.
When BTC is used, Bybit converts just enough to cover the purchase at its rate at that moment, plus a conversion fee.
A payment is first held, then deducted when the shop completes it. A refund comes back to the Funding account.
If the balance is too low, the payment is declined. Keep a margin above what you plan to spend.
What to check on fees and limits
Fees and limits change, and they differ by country and card type, so read them on Bybit's own fee and limits page, linked from the Bybit Card page. Look for these lines:
The conversion fee when a payment is funded with BTC instead of regular currency.
The foreign exchange fee when you pay in a currency other than the card's own.
ATM withdrawal fees and the free monthly amount, if any.
Daily and monthly spending limits, and whether virtual and physical cards share one limit.
Card issuance, delivery, replacement and inactivity fees.
Good to know: Each card payment funded with BTC is a small sale of bitcoin. In many countries that is a taxable event. Download your card and conversion history from Bybit every month and ask your accountant how to report it. Keep on Bybit only what you expect to spend, and the rest in your own wallet.