Bybit vs Bybit EU: a €10,000 spot buy costs 0.25% on Bybit EU and 0.10% on Bybit.com, and the two accounts are separate

Who runs each platform

The licence question is the main difference, so it comes first.

ESMA keeps an interim register of crypto-asset service providers authorised under MiCA, the EU's crypto-asset rulebook. Its CSV file, which we downloaded this run, has one Bybit row:

Source: ESMA interim MiCA register of crypto-asset service providers (CSV).

The EEA has 30 countries. Malta is the one missing from the list above, and Bybit EU's referral FAQ also excludes Malta from its programme. We could not find a Bybit EU page explaining why.

Bybit.com sits outside this register. Its service-restricted countries page, updated October 16, 2026, says Bybit does not serve users in the United States, the Chinese mainland, Hong Kong, Singapore, Canada, North Korea, Cuba, Iran, Uzbekistan, Sudan, Syria, Crimea and the non-government-controlled parts of four Ukrainian regions. That list names no EEA country. Bybit EU, for its part, says its services "are currently only available to EEA residents and nationals from outside the listed restricted countries".

What you can trade on each

Bybit EU's KYC levels page, updated July 2, 2026, lists every service by verification level: spot trading, spot margin trading, Convert, bank card purchases, Spot X Launchpool, Token Splash, the Bybit EU card, Bybit Pay, spot grid and DCA bots, and fixed and flexible Earn. Perpetual futures and options do not appear anywhere in that table, and the ESMA entry above covers spot-style services only.

Bybit.com's trading fee structure, updated November 5, 2026, prices spot, perpetual and futures contracts, and options. If you came to Bybit for perpetuals, the EU platform's own service list does not include them.

Fees side by side

Bybit EU moved to "a single unified fee structure, one clear rate across your account" from 11:00 UTC on October 5, 2026, according to its EU trading fee structure page. There is one rate for both maker and taker orders, and the tiers run on euros.

The gap is largest for small accounts. At VIP 2 and above, the Bybit EU rate matches the Bybit.com taker rate, and only the maker side stays cheaper on Bybit.com.

Bybit EU's VIP 1 needs an asset balance of €100,000 or a 30-day spot volume of €1,000,000. Like Bybit.com, it needs only one of the two, and it refreshes VIP levels daily at 7:00 UTC.

Bybit.com also charges more on fiat-to-crypto pairs than on crypto-to-crypto pairs. At VIP 0 its fiat pairs cost 0.20% taker and 0.15% maker below $100,000 of 30-day volume. A euro-to-bitcoin trade on Bybit.com is therefore closer to the EU rate than the headline 0.10% suggests.

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Worked examples

Spot fee = filled amount × fee rate. Both platforms take the fee in the asset you buy.

• €10,000 of BTC on Bybit EU at VIP 0: €10,000 × 0.25% = €25.
• $10,000 of BTC against USDT on Bybit.com at VIP 0: $10,000 × 0.10% = $10.
• $10,000 of BTC against a fiat pair on Bybit.com at VIP 0 taker: $10,000 × 0.20% = $20.
• A month of ten €1,000 spot buys on Bybit EU at VIP 0: 10 × €2.50 = €25. The same ten buys on Bybit.com crypto pairs: 10 × $1.00 = $10.

The euro and dollar figures are not converted. Each line uses the platform's own fee rate on the amount stated.

Deposits, withdrawals and limits

Bybit EU's fiat deposit FAQ, updated September 3, 2026, says Bybit EU GmbH "charges zero exchange deposit fees for Fiat Deposits". Payment providers can still add their own charges. Some methods are blocked by country. Zen.com and BLIK are unavailable in Germany, France, Portugal and the Netherlands, and the Netherlands also excludes Easy Bank Payment.

Bybit EU's fees overview, updated May 25, 2026, says on-chain crypto deposits and internal transfers are free. On-chain withdrawals carry a fixed fee per coin and network, shown in the withdrawal window. Spot margin liquidations carry a 2% liquidation fee.

Daily limits rise with verification level:

SEPA transfers sit outside these limits. Bybit EU caps them at 10 million per order for all users. The Bybit EU card needs Advanced verification or higher.

Verification

Bybit EU's individual KYC FAQ, updated August 20, 2026, says "Identity Verification of at least Standard level is mandatory for all Bybit EU products and services." You cannot trade at all without verification.

Bybit.com publishes its own individual KYC FAQ. Because the accounts are separate, a verification completed on one platform is a different record from the other.

Moving between the two

Bybit's own example is the card. Its EEA card FAQ asked EEA cardholders to register on bybit.eu and apply for a new Bybit EU card before December 31, 2025. The same page says:

• the Bybit EU card is a new card and different from the old one;
• points earned on bybit.com cannot be used on bybit.eu, and vice versa;
• access to the bybit.com account itself was unchanged by the card switch;
• refunds on old card transactions still go to the bybit.com funding account.

If you hold both accounts, treat them as two platforms. Moving coins between them means a normal withdrawal from one and a deposit to the other. That on-chain withdrawal pays the network fee shown at the time.

Referral codes on each platform

Bybit EU runs its own referral programme. Its referral FAQ, updated September 16, 2026, says a referral can only be set at sign-up and cannot be added later. A new user who signs up with a code after September 16 and deposits $100 and trades $100 of spot within 15 days gets 5 USDC. A user who trades $50,000 of spot within 30 days gets 25 USDC. Since March 19, 2026, users who join through a referral no longer get the separate Rewards Hub welcome gift at the same time.

Our partner code is registered for Bybit.com. The share comes from our partner registry: 30% of eligible trading fees, paid as a cut of the fee and never of the trade amount. At the Bybit.com spot base rate, a $10,000 trade pays $10, and 30% of that is $3 back, leaving $7. We have not confirmed that the code works on bybit.eu, so we do not apply this share to Bybit EU fees.

Which one fits your situation

• You live in an EEA country other than Malta and want a MiCA-licensed platform with SEPA deposits: that is Bybit EU. Budget 0.25% per spot trade until your volume or balance reaches a higher tier.
• You trade perpetuals or options: the Bybit EU service list we opened does not include them. Bybit.com prices them at 0.055% taker and 0.02% maker for perpetuals at VIP 0.
• You already hold a bybit.com card or points and live in the EEA: follow Bybit's card FAQ above. The new EU card and the old points stay on their own platforms.
• You are outside the EEA: Bybit EU's own sign-up limits apply to you, and Bybit.com's restricted list decides whether you can use the global platform.

How to act on this

Five checks tell you which platform you are on and what it will cost:

1. Look at the address bar. Bybit EU runs on bybit.eu with "en-EU" in its help-centre paths; the global platform runs on bybit.com.
2. Check your country. If it is one of the 29 codes in ESMA's row, Bybit EU is authorised to serve you. If it appears on Bybit.com's restricted list, the global platform is closed to you.
3. Open My Fee Rate after verification. Bybit EU should show a single spot rate; Bybit.com shows separate maker and taker rates.
4. Decide whether you need derivatives. If you do, the Bybit EU service table we opened does not list them.
5. Set the referral at sign-up, on whichever platform you choose. Neither platform adds one later.

Before you sign up, check your country of residence against the ESMA country list and Bybit.com's restricted list. Then open the fee page of the platform you will actually use. If you choose Bybit.com, open your account through our Bybit fees and sign-up page and enter the code 48553 at sign-up, because Bybit will not add a code afterwards. Place one small spot order first and read the fee on the confirmation. If it differs from the table, use your own number, because Bybit says rates can vary by region. Our rates page lists the fee shares we track for each venue.

What we could not confirm

• Why Malta is missing from Bybit EU's ESMA country list.
• Whether a new EEA resident who tries to register on bybit.com is redirected to Bybit EU. The pages we opened do not say.
• Whether our Bybit.com code is accepted on bybit.eu.
• Bybit EU's crypto withdrawal fee for each coin. It is shown only in the withdrawal window.

Quick answers

Is Bybit EU the same account as Bybit?

No. Bybit's EEA card FAQ says a Bybit EU account is separate from an existing bybit.com account, and points earned on one cannot be used on the other.

Is Bybit EU regulated?

ESMA's interim MiCA register lists Bybit EU GmbH, authorised by Austria's FMA on 28 May 2025, for custody, exchange, placing and transfer services in 29 EEA countries.

Is Bybit EU more expensive than Bybit?

At VIP 0 for spot, yes: 0.25% on Bybit EU against 0.10% on Bybit.com crypto pairs. From VIP 2 upward the Bybit EU rate equals the Bybit.com taker rate.

Can I trade futures on Bybit EU?

The Bybit EU service table we opened lists spot, spot margin, bots, Earn, card and Pay. It does not list perpetual futures or options.