The Bybit Card is a virtual Mastercard crypto debit card that lets you access your crypto funds quickly and easily, allowing you to spend your crypto wherever and whenever.

 and how to use them? Enter a whole new world of spending your crypto on the go with the Bybit Card. Not only is using this crypto debit card convenient and reliable, but it’s also a secure and fast way to make the most use of your crypto assets.

Let’s explore more on the Bybit Card and the limitless opportunities that it unlocks.

The Bybit Card is a Mastercard crypto debit card that lets you access your crypto funds quickly and easily, allowing you to spend your crypto wherever and whenever.

 It comes in both virtual and physical versions, and is currently available to users in EEA and CH regions, AIFC, Australia, Brazil and Argentina. 

Brought to you by Bybit and Mastercard, two of the leading innovators in fintech, a Bybit Card is the perfect way to ensure that you’re always digital-ready for everything crypto.

As a reliable and convenient way to off-ramp your crypto and spend on the go, the Bybit Card helps you to maximize and fully integrate crypto into your daily life. With it, you can utilize your earnings from Bybit's full suite of trading products and pay for your shopping — instantly.

As you make purchases, you can enjoy between 2–10% cashback, depending on your Bybit VIP level, with an for New Bybit Cardholders who sign up between Jan 1, 2025, 6 AM UTC, to Mar 31, 2025, 11:59 PM UTC, with an 

 — including on Tomorrowland Brasil presale ticket purchases from Apr 4–6, 2025.

Unlock a world of exclusive perks with the Bybit Card Rewards Program — including rewards from partners, such as unique offers and special experiences. Plus, you can automatically earn interest on your idle crypto assets—even without making purchases, along with other 

Additionally, the Bybit Card is easy and affordable to maintain. It’s valid for three years and its virtual version comes with auto-renewal after expiration. There are no annual or dormancy fees

, although there may be a minimal 5 EUR/USDT issuance fee for the physical card based on your region. 

For the virtual version of the card, you won’t be charged any issuance or account closure fees. 

The only chargeable fees are the foreign exchange and crypto conversion fees for certain countries, as well as 2% ATM withdrawal fees after the first free monthly limit: 100 EUR in EEA and CH, 100 USD in Australia in AIFC, 95K ARS in Argentina and 550 BRL in Brazil.

Transacting using your crypto assets shouldn’t be complicated. As such, Bybit has created a way to make life easier for its users through this crypto debit card. The following are some of the unique selling points of the Bybit Card:

Over 90 million merchants accept the Bybit crypto debit card. All you need is to shop and pay at stores that display the Mastercard logo. As one of the leading global electronic payment providers, Mastercard has an expansive merchant network around the world. 

Bybit’s strategic partnership with Mastercard provides a secure platform for its users to conveniently pay for goods and services using cryptocurrencies.  

Currently, you can select and pay anytime, with one of the following six cryptocurrencies using your Bybit Card 

The transaction process is fast and straightforward since it is done directly from your Bybit account through an intuitive and user-friendly dashboard. We're also adding more crypto options and allowing multi-asset spending in a single transaction in the future, so stay tuned for the upcoming developments!

At Bybit, keeping our customers' funds safe is a priority. For that reason, we saw Mastercard as a perfect fit, since their platform observes strict security standards to prevent loss of funds and customer information. 

-enabled which is a cutting-edge fraud prevention technology that allows for consumer authentication when making online payments. When using your Bybit Card, you can comfortably shop knowing that there’s an additional layer of security present to keep fraudsters at bay.

As a customer-centric platform, Bybit provides 24/7 multilingual customer support for all its products, including the Bybit Card. We have a team of dedicated live agents to address any questions, concerns or inquiries related to your Bybit Card.

Bybit Card’s exciting Loyalty Rewards Program lets you earn Bybit Card Loyalty points every time you pay using our crypto debit card. Depending upon the Loyalty points accumulated, you can redeem them for different rewards. You can also activate the 

 function to automatically receive cashback on all purchases conducted with fiat and crypto in USDT, to be credited to your 

Bybit has over 20 trading products available on its exchange, including 

. With the Bybit Card, you can easily and quickly off-ramp your earnings and spend them to make online payments.

You can use the Bybit Card with online retailers and merchants all across the globe. With a Virtual Bybit Card, you can 

 once you’ve applied successfully, while a physical Bybit Card allows you to make online payments, as well as contactless payments in retail stores using point-of-sale (POS) terminals that support contactless payments. You can add Bybit Card to Google Pay (available for EEA and CH, Argentina, Brazil and Australia), Apple Pay (EEA, Argentina and Brazil) and Samsung Pay (EEA & CH and AIFC). 

Your virtual Bybit Card is activated automatically and is available for immediate use once your application is successful. In addition, you don’t need to activate foreign transactions separately. Your Bybit Card tier follows your Bybit account's VIP level. Please refer to 

 for more information on Bybit Card benefits for different VIP levels.

Managing funds on your Bybit Card is straightforward. It is, however, important to understand how your funds are deducted during payments, especially during times when you have insufficient fiat in your account. 

The Bybit Card doesn’t have a separate wallet. As such, it uses the balance in your Bybit Funding Account. To add funds to your Funding Account, you can use the 

 option or deposit crypto from other platforms/wallets.

When making a transaction using the Bybit Card, the fiat currency is automatically denominated based on the 

Once you pay using your crypto debit card and the transaction is authorized, the amount you’ve spent will be frozen in your Funding Account, and then it will be deducted once the merchant completes the transaction.

Should the merchant cancel (i.e., reverse) prior authorization or refund the transaction, the frozen amount will be returned to your Funding Account’s 

In a situation where there’s not enough fiat in your Funding Account to complete a transaction, your chosen crypto in your account will be converted to fiat to cover the deficit. 

Note that there’s a minimum crypto conversion fee of 1 EUR/USD, 5,000 ARS or 10 BRL.

Payments will automatically be denominated in the currency on your card, even if you’re making foreign transactions. 

If you purchase a product that’s charged in foreign currency, your funds will be deducted according to Mastercard's foreign exchange rate, 

 the Bybit Card foreign exchange fee of 0.5% for EEA, 1% for Australia, 7% for Argentina, 1.5% for Brazil and 2% for AIFC. 

For more information on exchange rate, refer 

When there are insufficient crypto and fiat funds in your Funding Account, the transaction will be declined. You can top off your Funding Account either through the 

 feature, or the direct deposit of crypto from external platforms or wallets via the Bybit dashboard.

Follow these five simple steps to pay using your Bybit Virtual Card:

You can use the Bybit Physical Card for both online and offline transactions. To make payment for online purchases, you can obtain your physical card details (i.e. card number, CVV and expiration date) either from the 

 in your Bybit Account, or the physical card itself. The Bybit Physical Card can be used for any in-store payments that support contactless chip and PIN purchases. 

 that there are contactless usage limits in Europe. A single transaction has a maximum limit of 50 EUR, and the cumulative amount of contactless payments is 150 EUR. Additionally, the maximum number of consecutive contactless payments is six. 

Your card will be declined if you make contactless transactions exceeding these limits.

In case of a dispute regarding a transaction you’ve made, we highly recommend that you reach out directly to the merchant involved if you wish to request a refund.

don’t recognize any particular transaction, or you otherwise suspect that your card credentials may have been compromised, you can choose either to freeze your crypto debit card immediately or replace it, and then contact our Customer Support within 45 days of the transaction for further assistance

Ways To Protect Yourself From Debit Card Frauds

As cybersecurity crimes continue to become more sophisticated, it’s important to learn how to detect them — and how to protect yourself from debit card fraud. It’s easy to detect suspicious activity on your Bybit Card, since you’ll notice funds missing in your Funding Account balance. 

Because your Bybit Card is available virtually, you need to stay alert for any fraudulent activities. Here are some ways to help you prevent fraudulent activities on your Bybit Card:

Using a crypto debit card increases the liquidity of your digital assets and provides you the convenience of spending cryptocurrency in your daily life. 

Whether you’re paying bills or buying goods online, the Bybit Card helps you maximize your crypto usage while keeping your funds safe. 

It’s issued in partnership with Mastercard, so you can spend your preferred cryptocurrencies anywhere a merchant displays the Mastercard logo. E

asy to use with its intuitive mobile app, the Bybit Card gives you an efficient way to manage your digital assets on the go!

Beginner

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What Is Bybit Card and How to Use It

Activate and use your virtual Bybit Card today hassle-free for online purchases and subscription services like Netflix and more to earn cashback rewards.

Online shopping has recently become a norm for most people, particularly for its convenience and accessibility. Whether it’s grocery shopping or food deliveries, the practicality is hard to beat. So, when it comes to payments, you want a system that’s just as flexible while being robust. That's where Bybit Card comes in handy: a digital payment option designed to streamline your online shopping experience, offering a seamless, secure and efficient payment method.

The virtual Bybit Card isn't a physical plastic card, but rather exists online. It's the digital equivalent of a physical card, with a unique card number, expiration date and CVV number. 

It can be easily added to any supported digital wallets.

The virtual Bybit Card enhances your online shopping experience, providing added control, security and convenience. In this guide, you'll learn how a virtual Bybit Card works — and how to maximize it to the fullest.

Physical vs. Virtual Bybit Card: The Differences

 is a Mastercard debit card that lets you spend, store and access your funds for easy spending on the go. The card is meant to integrate the utilization of cryptocurrencies into your daily life. 

The virtual Bybit Card functions similarly to the physical card, except that the physical card allows you to make in-store purchases that support contactless, chip or PIN payment methods. 

Bybit users who are eligible and have passed the application process are entitled to use the virtual card instantaneously upon activation. 

However, those who wish to have a physical card must complete the 

The virtual Bybit Card operates just like your regular credit or debit card, but with an extra layer of protection. When you're ready to make an online purchase, you enter your virtual Bybit Card details, just as you would with a physical card. The transaction is processed similarly, but without your actual card details ever being exposed.

You might be wondering about the practicality of using a virtual Bybit Card. For instance, how do you keep track of your card details if there's no physical card? The good news is that all your virtual Bybit Card information is stored securely online, accessible via your Bybit Account. This means you can access your card details anytime, anywhere — without carrying a physical card.

Benefits of Using a Virtual Bybit Card for Online Shopping

There are a few key benefits to using a virtual Bybit Card. 

The virtual Bybit Card provides safe and secure transactions and ensures user convenience in the digital space. Incorporating advanced security measures like end-to-end encryption and biometric authentication offers its users an extra layer of safety. Moreover, real-time transaction notifications and instant freezing options allow Bybit Card users to maintain firm control over their spending. 

This cutting-edge digital solution is also ideal for those wishing to keep their banking information private, as it enables you to transact without revealing sensitive data. Indeed, the virtual Bybit Card is revolutionizing the way we conduct online transactions by prioritizing both user security and convenience.

Bybit Card is designed to streamline this process. As a virtual card, it can be closed instantly, if necessary, without affecting your main account on Bybit. Furthermore, with the Bybit Card, you can immediately generate a new card number and update your vendor's information without waiting for days, as traditional credit and debit cards require.

The virtual Bybit Card adds a new dimension to convenience, enhancing the user experience with its unique features and seamless functionality. It’s an ideal tool for managing your digital assets, given its creation, and usage. With increased control over spending and transaction security, the virtual Bybit Card caters to the demands of modern-day online shopping experiences. Moreover, its compatibility with mobile apps and online accounts ensures hassle-free use across various digital platforms.

Competitive Fees and Cashback Rewards Same As Physical Card

Bybit Card users enjoy the same competitive fees for both the physical and virtual card version. Besides its main benefits of a maximum 10% cashback and up to 50 Reward Points, you can also enjoy additional benefits such as 100% merchant rebates for any ChatGPT, Netflix, Spotify, Amazon Prime and TradingView subscriptions and 50% airport lounge access discount. 

Further, you can save up to 8% APR when you turn on the 

. Users who wish to earn even more rewards can opt to refer new Bybit Card referees — and 

 for every successful referral. Bybit also offers users more exclusive perks to redeem limited physical and digital merchandise within our Rewards Market for all eligible Bybit Card users. 

Here are some of the active campaigns and initiatives for Bybit Card: 

: Users need to log in to their Bybit Account and hold a valid Bybit Card to access the merchandise redemption page to start redeeming their gifts.

Simplified Expenditure Tracking and Management

The virtual Bybit Card is also revolutionizing the way businesses handle financial transactions. Its sophisticated tracking and management tools provide an organized overview of all your expenditures at your fingertips. This can help you keep track of employee spending to ensure that every penny is accounted for. Thus, incorporating the virtual Bybit Card into your operations can lead to improved financial control and a more efficient business model.

Virtual Bybit Card promotes flexibility for users applying and using the card for online spending at their convenience. Virtual cards are free of carbon footprints, thus eliminating plastics and earth metals waste for card production compared to a physical card. It is integrated with the system, and all requests can be made online almost instantaneously without printing and posting a package.  

How to Use the Virtual Card to Make Purchases Online

 have a wide range of practical applications, and can be used in a variety of situations. Some of the most common use cases include:

Virtual cards are ideal for online shopping as they provide a secure and convenient way to purchase without needing a physical credit card. They can also be used for recurring payments, such as subscription services, to help users manage their expenses better.

For example, users can start using the virtual Bybit Card for services like Amazon, ASOS, OTTO, Zalando and more to get their groceries or shop for fashions. Users simply choose Bybit Card as a preferred payment method, and enjoy perks like cashback credited to their wallet.

Subscription Services and Recurring Payments

Virtual cards can be used to set up recurring payments for subscription services, such as streaming, software or other digital products. This can help users better manage their expenses and keep track of their subscriptions:

: Bybit Card is now supported on Apple Pay (EEA only), Google Pay (EEA and AU), Samsung Pay and more (EEA only). 

 can also be a lifesaver, as they can be used to track employee expenses and manage corporate spending. They can also be used for travel expenses, such as hotel and rental car reservations. This can help businesses better manage their costs and keep track of employees’ spending while they travel.

Registering for a virtual Bybit Card is straightforward. First, you need to have a Bybit account. If you don't have one, you can easily sign up online. Once you have an account, you can apply for a virtual Bybit Card from your dashboard.

After your application is approved, your virtual Bybit Card is issued for free instantly. You can then access your card details from your Bybit account. It's that easy! 

Before we wrap up, let's address some common questions you might have about the virtual Bybit Card.

Can I use my virtual Bybit Card for in-store purchases? 

No. The virtual Bybit Card is designed specifically for online transactions.

What happens if I suspect my virtual Bybit Card’s details are leaked?

Bybit supports hassle-free card cancellation at your convenience. Users can request a new virtual card replacement anytime, 24/7, as a safety precaution if card details are suspected to be infiltrated. Once you receive the new Bybit Card, you can continue spending online securely. 

To understand how this can be done seamlessly, visit our 

What happens if I lose my virtual Bybit Card details? 

Don't worry. You can easily retrieve your card details from your Bybit account.

Is there a fee for using the virtual Bybit Card? 

Most of the time, no. However, some online retailers may charge a small fee. 

To understand the Bybit Card fee structure, visit our 

The world of online shopping is constantly evolving, and the virtual Bybit Card is part of that evolution. It's designed to make your online shopping experience more secure and convenient. With its unique features and functionalities, the virtual Bybit Card is set to revolutionize the way you shop online.

Why not simplify your online shopping experience? Get your virtual Bybit Card today and join the digital revolution.

In the rapidly changing world of e-commerce, staying ahead means embracing new technologies like the virtual Bybit Card. Don't get left behind. Embrace the future of online shopping with a virtual Bybit Card today.

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Bybit Card: How to Use Your Virtual Card to Make Purchases Online

Learn how to activate your virtual or physical Bybit Card here. All from ordering to activating your Bybit Card. 

Using credit and debit cards for crypto transactions is more convenient than you may expect. In fact, users are struggling to decide which virtual cards to use as they compare the benefits of both 

. Since you’re reading, chances are you’ve decided on the 

 for a change — and to unlock more rewards in different financial spectrums. 

In this guide, we’ll give you tips and tricks on how to get started with Bybit Card — all the way from card registration and ordering to activation and utilizing it. 

Bybit Card is a Mastercard virtual crypto debit card that lets all cardholders easily spend crypto funds, unlock crypto rewards in each transaction and earn additional yields. 

The fiat currency that Bybit Card supports is 

automatically denominated based on your Proof of Address (POA) provided during your 

 (KYC) process. Meanwhile, its eight supported cryptocurrencies are: 

BTC, ETH, XRP, USDT, USDC, TON, MNT and BNB. 

 your crypto and spend on the go. You can utilize funds earned from trading Spot, Derivatives, Options or Savings on Bybit to spend or pay for shopping expenses. 

The card also offers cashback and a Rewards Program, where accumulated points can be redeemed for unique offers and exclusive event access. Both the cashback and Reward Points vary based on the user’s 

One of the highlights of this card is its free annual or dormancy fee. Virtual cardholders are exempt from card issuance or account closure fees. However, users will be charged foreign exchange fees of 0.5% and a crypto conversion fee of 0.9% on top of the Spot rate. 

Another key benefit of Bybit Card is its convenience. The card automatically draws funds from your Bybit 

, so all you have to do is to simply deposit funds into your Funding Account. Furthermore, it can be added to digital wallets like Apple Pay, Google Pay and Samsung Pay. Finally, you can activate auto cashback to effortlessly enjoy your rewards.

Bybit Virtual Card vs. Bybit Physical Card

The Bybit Virtual Card functions similarly to a physical card, except that a Bybit Physical Card allows you to make in-store purchases that support contactless, chip or PIN payment. 

Bybit users who are eligible for this card and have passed the application process are entitled to use the Bybit Virtual Card instantaneously upon activation. 

However, users who wish to have the Bybit Physical Card must go through the 

The payment will be deducted directly from the user’s Funding Account on Bybit. Card delivery may take up to 30 business days to arrive, based on the preferred delivery method.

The Bybit Card application process is relatively simple and takes only a few minutes to complete. However, for security reasons, Bybit implements stringent requirements for Identity Verification in the card application completion process.

Follow the steps below to order your Bybit Card. 

: Sign up for a Bybit Account by filling in all of the details, such as your mobile number and email, and complete the 

to access the Bybit Card application page. Then, either click on 

: To complete the application, please select your 

: Fill in the details of your registered phone number and email address. If you haven’t set up the verification process, you’ll be prompted with instructions to set up Google two-factor authentication (2FA).

: For security reasons, applicants must set up their 

. Enter your email address and Google 2FA code to submit your application.

Only users who have successfully applied for the Bybit Virtual Card are eligible for the Bybit Physical Card. 

Note that the Bybit Physical Card is currently not supported in Brazil.  

To initiate the process, please follow these steps:

: Click on the Physical Card application banner, and you’ll be led to a box to fill in details. 

: Set and verify your card PIN, which will be used for ATM transactions. 

: After confirming your details, click on 

: Once the details are verified, you may be prompted to the application page to complete the process by clicking on 

: Complete the application by paying a 5 EUR/USDT issuance fee for the Bybit Physical Card. Choose the desired payment mode and click on

 The pop-up on the screen should confirm your payment and indicate your application is successful. You may click on 

Card delivery might take up to 30 business days. Currently, only 

 users enjoy the DHL delivery tracking services. Please refer to this 

 if you haven’t received your card within 30 business days.

Which Countries of Residency Are Eligible for the Bybit Card?

Bybit users living in the following countries are eligible to apply for and order a Bybit Card. 

The Bybit Card is currently only available for users with a residency from countries in the EEA (excluding Croatia, Iceland, Ireland, Liechtenstein, France and Romania) or Switzerland, Australia, Argentina, Brazil and AIFC.

The Bybit Card can be used wherever merchants accept Mastercard. Since the Bybit Card is a debit card, you cannot use it for credit card transactions. Users can also withdraw cash with their Bybit Physical Card from any ATM worldwide that supports Mastercard. Illegal use in connection with your Bybit Card is prohibited, and may result in termination of your Bybit Card agreement. 

There is a 2% Bybit Card ATM withdrawal fee for any monthly amount that exceeds 100 EUR in the EEA, 100 USD in Australia and 95k ARS in Argentina. 

Bybit Card foreign exchange and/or crypto conversion may also apply (if any). Some ATM merchants may charge an ATM Access Fee, and/or may prompt currency conversion to your card currency. These fees and services are provided by the ATM service provider.

Here’s an overview of the applicable fees: 

Using Contactless Payments With a Bybit Physical Card

You can make contactless payments with your Bybit Physical Card at retail merchants with contactless-enabled point-of-sales (POS) terminals. Please note that in order to initiate contactless payment, you’ll first need to complete a chip and PIN transaction (that is, insert your card into a POS terminal and authorize it with your PIN) using your Bybit Physical Card.

In Europe, contactless payment limits under the PSD2 regulation also apply to your Bybit Card. Currently, the maximum amount for a single contactless payment is 50 EUR, and the maximum cumulative amount for contactless payments is 150 EUR. 

The maximum number of consecutive contactless payments is five (5), and any contactless payment transaction exceeding these limits will be declined. You may reset the limit by performing a chip and PIN transaction on your next payment, after which you can once again make contactless payments.

We understand that accidents do happen, so we’ve streamlined the process to help you get a new Bybit Physical Card. 

To initiate the replacement process, you’ll need to report the loss or damage of your physical card by following the steps below. 

: Log in to your Bybit account and head over to the

Select the cause for the replacement. If your card has been compromised, choose ‘It’s lost or compromised (fraud, stolen, etc.)’. If you still have it in your possession but wish to replace it due to damage, choose the option‘It’s damaged or doesn’t work.’ and click on

 to initiate the replacement process for a new Bybit Physical Card. 

Need more help or info related to your Bybit Card? We’re here to help. 

The Bybit Card has been created to help you off-ramp your crypto and earn more rewards as you spend. We understand some crypto credit or debit card application processes may be lengthy and complicated, so we’ve simplified everything for you to get started without hassle. Simply prepare your verification documents, such as proof of address and identity and a valid email address, and you’re all set. Start spending and earn with Bybit Card today.

Intermediate

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How to Order and Activate Your Bybit Card (A Complete Guide)

Figuring out how much to invest in crypto can be even more important than deciding which specific coins you want to purchase. Learn more here.

If you keep up with financial news, it can often feel like you’re hearing a story about a self-made crypto millionaire every other day. However, smart investors know that the reality is a little more nuanced. The crypto market comes with high rewards, but it also has high risks. To be successful, you need to be willing to 

 and make wise choices. This guide will explore one of the most basic things you’ll need to decide on before choosing to jump into the world of crypto — how much you should invest in crypto.

Figuring out how much to invest in crypto can be even more important than deciding which specific coins you want to purchase. Not only does the amount you invest in crypto impact your other finances, but it also determines which strategies you can afford to use.

The simple answer to how much you should invest in cryptocurrency is based on your net worth. Someone with millions of dollars can easily risk a lot more than, for instance, a college student without any savings. Traditional investment advice from financial expert Douglas Feldman 

 people shouldn't invest more than 1% to 5% of their total net worth in cryptocurrency. However, some crypto enthusiasts, such as

 be wise to invest up to 10% of your income in cryptocurrency.

Factors to Consider When Deciding How Much to Invest in Crypto

There's a lot of variation in guidelines for how much to invest in crypto. To find the right amount to invest for your specific situation, you'll need to stop and consider these essential factors.

One of the most important factors in determining how much to invest in crypto is the level of risk you’re willing to consider, or your risk appetite. If you have a high risk tolerance, you can invest more. Risk tolerance is partially a matter of personal preference. Some people are naturally cautious, while others are more comfortable making risky moves. However, it’s also wise to factor in your age. A high risk tolerance can work well when you're young because gradual market growth over the years will help balance losses. However, if you're older and closer to retirement age, a lower risk tolerance is advisable.

When planning to invest in crypto, it's a good idea to consider the best-case scenario as well as the worst. Ask yourself: What will happen if my crypto assets suddenly skyrocket in price and I make thousands of dollars overnight? If you're the type of person who would throw in more money or keep holding onto your crypto until the bubble bursts, it might be smart to reduce the portion of your money that you invest in crypto. The flashy profits associated with crypto can lead to overly emotional decisions that can cause problems for certain types of crypto investors.

, the types of coins you're holding make a big difference. Not all types of crypto have the same level of risk. If you intend to go for a risky investment portfolio with nothing but 

, you probably shouldn't take all your assets and invest them in crypto. However, if you intend to invest in a broad range of reliable coins, especially 

, allocating more of your assets toward crypto is a reasonable choice.

Things change fast in the crypto world, so the same advice doesn't always work in different situations. Any time you’re going to invest in crypto, you need to take a look at crypto market conditions. In a 

, prices are consistently high, so you may want to invest less. Meanwhile, in a 

, prices are low, and you can often get big returns by putting extra into crypto investing.

Your liquidity refers to the amount of easily accessible cash you have at hand. Crypto markets are fairly liquid, since you can remove your funds at any time. However, since crypto is a volatile asset class, trying to remove your funds during a bear market can lead to considerable losses. Before putting large sums into crypto investing, think about when you'll need liquid cash. For instance, if you're going to need a large lump sum for a house deposit or another big purchase soon, you need to invest less money in crypto.

Keep in mind that a lot of the recommendations to invest between 1% to 10% of your money in crypto are based on income. However, the reality is that different people have different budgets. Some may need almost all of their income for things like food and housing, so it's not smart to take all your money and invest in crypto. However, others who have more disposable income left over after managing other budgetary needs can invest in crypto more often.

The cryptocurrency market as a whole does follow certain trends, but crypto investments always fare better if you actually understand projects before you invest. It's a poor decision to put a large portion of your assets into obscure crypto you know nothing about. Informed investors only put significant investment into specific cryptocurrencies if they take the time to 

, understand its real-world utility, explore its pricing history and see how well it performs on crypto exchanges.

What Is a Good Allocation for a Well-Balanced Crypto Portfolio?

Once you figure out how much money you want to invest in crypto altogether, you need to consider how much money to put into each specific crypto. It's important to have a diversified portfolio, so a single coin running into issues won't tank your entire crypto investment portfolio. There are a lot of different ways to invest in crypto.

The simplest investment advice, as suggested by

, is simply to put 60% of your money into Bitcoin and 40% into Ethereum. That's a decent choice if you know nothing about crypto assets but still want to invest in crypto. However, if you're willing to research individual coins and pick your favorites, try this asset spread:

Decentralized Finance (DeFi)

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