Start with the money you already have

For someone receiving salary in EUR in Spain, compare an EUR-funded purchase with spending crypto already held. Bybit EU uses the Funding Account for card spending. Check the available balance there instead of assuming there is a separate prepaid card wallet that needs another top-up.

Nexo Debit spends your own available assets, with the selected asset order affecting the payment route. Give both candidates the same grocery budget and record each step from funding to settled debit. Include buying crypto only when that purchase is actually necessary for your starting balance.

Confirm Debit and your own eligibility

Do not transfer a Nexo Credit Mode reward claim into this Debit comparison. If borrowing is outside your plan, inspect the selected mode and spending assets before paying. The relevant benefit is the one attached to that setting, after exclusions, rather than the largest advertised number.

Residence in Spain and European citizenship are different facts. Check Nexo’s residence, citizenship and accepted identity-document conditions together. Bybit EU can also require card-specific verification; approval of a general account does not establish that your card application or physical delivery will be accepted.

Follow the balance through a first refund

For an ordinary EUR purchase in Spain, retain the euro receipt alongside the final settled debit. If crypto funded the payment, retain the quantity consumed too, so the conversion has an observable result. An initial authorization alone is insufficient for judging the completed purchase cost.

Bybit EU refunds return as EUR to the Funding Account rather than restoring the original crypto quantity. Nexo records refunds in EURx or GBPx matching the initially selected card currency. Reconcile the merchant confirmation with the actual credit before deciding which route is easier to manage.

• Record the asset used for funding.
• Verify the mode and spending asset.
• Record the refund currency and destination.