Bybit P2P · USDT/EUR 🇪🇺
The live Bybit P2P USDT/Euro market across 96 payment methods. Cheapest BUY: €0.82 · highest SELL: €1.03 · spread 26.38%.
Payment methods · Bybit USDT/EUR
| # | Payment method | Buy price | Sell price | Buy ads | Sell ads | Activity 24h |
|---|---|---|---|---|---|---|
| 1 | Revolut | €0.82 | €1.03 | 165 | 380 | 5.5K |
| 2 | SEPA Instant | €0.82 | €1.03 | 169 | 334 | 4.6K |
| 3 | Wise | €0.82 | €1.03 | 109 | 281 | 4.4K |
| 4 | Bank Transfer | €0.85 | €1.03 | 83 | 180 | 2.2K |
| 5 | N26 | €0.84 | €0.93 | 52 | 129 | 1.8K |
| 6 | Paysera | €0.84 | €0.87 | 52 | 122 | 1.5K |
| 7 | Zen | €0.82 | €0.87 | 79 | 67 | 1.4K |
| 8 | Balance | €0.86 | €0.86 | 95 | 46 | 4.0K |
| 9 | SEPA | €0.86 | €0.92 | 56 | 54 | 1.2K |
| 10 | BBVA | €0.86 | €0.91 | 26 | 78 | 838 |
| 11 | Skrill | €0.88 | €0.86 | 41 | 59 | 786 |
| 12 | Myfin Bank | €0.82 | €0.88 | 41 | 57 | 863 |
| 13 | Bunq | €0.87 | €0.88 | 21 | 67 | 752 |
| 14 | Banco Santander (Spain) | €0.86 | €0.88 | 18 | 42 | 307 |
| 15 | ING | €0.87 | €0.94 | 17 | 32 | 408 |
| 16 | Bank of Georgia | €0.86 | €0.85 | 20 | 26 | 836 |
| 17 | Paysend | €0.87 | €0.83 | 33 | 9 | 784 |
| 18 | TBC Bank | €0.86 | €0.84 | 14 | 27 | 994 |
| 19 | Bizum | €0.85 | €0.87 | 11 | 30 | 200 |
| 20 | Freedom Bank | €0.88 | €0.84 | 13 | 26 | 169 |
| 21 | Kaspi Bank | €0.88 | €0.85 | 14 | 25 | 90 |
| 22 | Monobank | €0.88 | €0.86 | 15 | 21 | 361 |
| 23 | Swedbank | €0.87 | €0.87 | 6 | 30 | 249 |
| 24 | NETELLER | €0.89 | €0.86 | 18 | 16 | 436 |
| 25 | Privat Bank | €0.88 | €0.86 | 16 | 17 | 357 |
| 26 | MAIB | €0.88 | €0.83 | 23 | 9 | 335 |
| 27 | VictoriaBank | €0.88 | €0.83 | 19 | 11 | 289 |
| 28 | Western Union | €0.85 | €0.80 | 26 | 4 | 414 |
| 29 | mBank | €0.88 | €0.86 | 9 | 21 | 161 |
| 30 | Moneygram | €0.86 | €0.80 | 24 | 3 | 229 |
| 31 | CenterCredit Bank | €0.90 | €0.84 | 7 | 20 | 59 |
| 32 | Jusan Bank | €0.90 | €0.84 | 8 | 17 | 33 |
| 33 | Postepay | €0.85 | €0.86 | 10 | 15 | 192 |
| 34 | Dukascopy Bank | €0.88 | €0.87 | 13 | 11 | 182 |
| 35 | Halyk Bank | €0.89 | €0.84 | 7 | 16 | 91 |
| 36 | Optima Bank | €0.88 | €0.86 | 6 | 15 | 92 |
| 37 | Monzo | — | €1.03 | 1 | 16 | 95 |
| 38 | UniCredit | €0.87 | €0.94 | 1 | 15 | 35 |
| 39 | Bakai Bank | €0.88 | €0.86 | 7 | 9 | 139 |
| 40 | Demir Bank | €0.88 | €0.85 | 6 | 10 | 82 |
| 41 | PayPal | €0.92 | €0.86 | 7 | 9 | 59 |
| 42 | BNP Paribas | €0.87 | €0.85 | 4 | 11 | 70 |
| 43 | Raiffeisen | €0.86 | €1.03 | 4 | 11 | 76 |
| 44 | Ameriabank | €0.88 | €0.84 | 3 | 11 | 57 |
| 45 | UniBank | €0.90 | €0.84 | 4 | 9 | 50 |
| 46 | Forte Bank | €0.94 | €0.84 | 2 | 10 | 18 |
| 47 | IDBank | €0.92 | €0.81 | 4 | 7 | 48 |
| 48 | Millenium | €0.87 | €0.85 | 3 | 8 | 97 |
| 49 | Inecobank | €0.88 | €0.82 | 3 | 8 | 50 |
| 50 | PUMB | €0.89 | €0.81 | 7 | 3 | 103 |
| 51 | AirTM | €0.90 | €0.72 | 6 | 4 | 56 |
| 52 | Credo Bank | €0.99 | €0.83 | 3 | 6 | 293 |
| 53 | iCard | €0.91 | €0.86 | 2 | 7 | 75 |
| 54 | VakifBank | €0.91 | €0.85 | 4 | 5 | 13 |
| 55 | Commercial bank Kyrgyzstan | €0.89 | €0.86 | 1 | 7 | 20 |
| 56 | Erste Bank | €0.92 | €0.94 | 1 | 6 | 12 |
| 57 | Ziraat | €0.91 | €0.82 | 3 | 4 | 9 |
| 58 | Santander Poland | €0.95 | €0.85 | 1 | 5 | 10 |
| 59 | Deniz Bank | €0.96 | €0.83 | 1 | 5 | 6 |
| 60 | ABN AMRO | €0.87 | €0.86 | 2 | 3 | 66 |
| 61 | Eurasian Bank | €0.92 | €0.83 | 2 | 3 | 16 |
| 62 | La Banque postale | — | €0.82 | 1 | 4 | 6 |
| 63 | Fineco | €0.87 | €0.85 | 1 | 4 | 12 |
| 64 | Cash Deposit to Bank | €0.86 | €0.87 | 2 | 2 | 22 |
| 65 | Garanti | €0.99 | €0.82 | 1 | 3 | 4 |
| 66 | SWIFT | €0.89 | €0.82 | 2 | 2 | 15 |
| 67 | Altyn Bank | €0.96 | €0.81 | 1 | 2 | 3 |
| 68 | PKO Bank | €0.95 | €0.85 | 1 | 2 | 7 |
| 69 | Paritet Bank | — | €0.84 | 1 | 2 | 3 |
| 70 | EasyPay | €0.91 | €0.80 | 2 | 1 | 16 |
| 71 | Caisse d'Epargne | — | €0.85 | 1 | 2 | 5 |
| 72 | Societe Generale | €0.87 | €0.84 | 1 | 2 | 20 |
| 73 | World Remit | €1.03 | €0.78 | 2 | 1 | 29 |
| 74 | Sofort | €1.03 | €0.77 | 1 | 1 | 3 |
| 75 | Bank RBK | €0.94 | — | 1 | 1 | 2 |
| 76 | Paynet | €0.89 | — | 1 | 1 | 49 |
| 77 | Raiffeisen Bank Aval | — | €0.86 | — | 2 | 2 |
| 78 | Uphold | — | €0.77 | 1 | 1 | 2 |
| 79 | PalmPay | — | €0.74 | 1 | 1 | 2 |
| 80 | Payeer | — | €0.79 | 1 | 1 | 5 |
| 81 | Credit Agricole | — | €0.79 | 1 | 1 | 3 |
| 82 | Apple Pay | €0.93 | €0.69 | 1 | 1 | 65 |
| 83 | Google Pay | €0.93 | €0.69 | 1 | 1 | 65 |
| 84 | Idram | — | €0.81 | 1 | 1 | 3 |
| 85 | Pix | — | €0.80 | 1 | 1 | 2 |
| 86 | Kuveyt Turk | — | €0.82 | — | 2 | 2 |
| 87 | DCBank | — | €0.79 | — | 2 | 3 |
| 88 | Permata Me | €0.99 | — | 1 | — | 1 |
| 89 | Pyypl | €0.96 | — | 1 | — | 8 |
| 90 | KoronaPay | €1.03 | — | 1 | — | 19 |
| 91 | Paycom or Opay | — | €0.74 | — | 1 | 1 |
| 92 | Banesco | — | €0.85 | — | 1 | 14 |
| 93 | Papara | — | €0.78 | — | 1 | 1 |
| 94 | Palm Pay | — | €0.87 | — | 1 | 1 |
| 95 | Vodafone cash | — | €0.69 | — | 1 | 3 |
| 96 | bKash | — | €0.80 | — | 1 | 1 |
About Bybit USDT/EUR P2P trading
Bybit's USDT/EUR market is the live peer-to-peer book for Eurozone-based users buying and selling Tether directly via local rails. The current cheapest BUY is €0.82 and the highest SELL is €1.03, a 26.38% spread across 4.0K active ads. USDT/EUR typically trades ~0.3% over the official forex rate — EUR/USDT trades close to the EURUSD forex rate adjusted for the dollar peg. Premium is mostly merchant spread..
Across this market, 96 payment rails are currently quoted. Revolut, SEPA Instant, Wise carry the most ad volume; the table above ranks every active rail by total 24h activity. Deepest RUB liquidity post-sanctions; consistently aggressive pricing on majors due to high merchant competition.
Regulator in Eurozone: MiCA (Markets in Crypto-Assets Regulation) since June 2024 unified EU-wide crypto rules. CASP authorisation required for service providers.. Tax: Varies by EU member state. To trade, open Bybit P2P, filter by your preferred rail, and pick a merchant with completion rate ≥98% and order count ≥1,000. Don't include "crypto" or "USDT" in payment notes.
Euro P2P context
Typical USDT/EUR premium: ~0.3%. EUR/USDT trades close to the EURUSD forex rate adjusted for the dollar peg. Premium is mostly merchant spread.
Tax in the Eurozone: Varies by EU member state. Germany: 0% after 1-year hold, otherwise income tax. France: 30% flat (PFU). Portugal: 28% on short-term gains since 2023.
Regulator: MiCA (Markets in Crypto-Assets Regulation) since June 2024 unified EU-wide crypto rules. CASP authorisation required for service providers.
What Bybit brings to the EUR market
Deepest RUB liquidity post-sanctions; consistently aggressive pricing on majors due to high merchant competition. 0% maker + taker fees in most markets. Strong UPI/IMPS coverage for INR.
Fees + KYC: 0% trading fees for both makers and takers across most P2P markets. KYC required above small daily limits (typically $1k/day unverified). FIU-IND registered in India.
Frequently asked questions
What is the live Bybit P2P USDT/EUR rate?+
As of the most recent Bybit sync, the cheapest BUY price is €0.82 and the highest SELL price is €1.03 across 96 active payment methods. The full per-payment-method breakdown is in the table above.
What payment methods does Bybit support for EUR?+
Bybit currently supports 96 active payment methods for USDT/EUR: Revolut, SEPA Instant, Wise, Bank Transfer, N26, Paysera, plus 90 more. Different rails have slightly different prices because they carry different settlement risk and time costs.
Is USDT/EUR P2P trading legal across the EU?+
Yes. The Markets in Crypto-Assets Regulation (MiCA) became fully applicable in June 2024, providing harmonised EU-wide rules for crypto-asset service providers. Any P2P platform serving EU users needs CASP authorisation.
How is USDT taxed in the EU?+
Tax treatment varies by member state. Germany: 0% on gains held over 1 year (otherwise ordinary income tax). France: 30% flat rate (PFU) on gains above €305/year. Portugal: 28% on short-term gains since 2023. Italy: 26% above €2,000.
Why is Bybit P2P so popular for USDT/RUB?+
When Binance and OKX restricted Russian users following EU sanctions in 2022-23, Bybit kept full RUB P2P access. The result: Russian merchants migrated en masse, Russian retail volume followed, and Bybit became the deepest USDT/RUB book by 2024.
How are Bybit P2P spreads typically priced?+
Bybit merchants tend to undercut Binance by 0.1-0.4% on overlapping markets — they're competing for the marginal trader who price-shops across platforms. The cheapest USDT BUY price in our cross-exchange comparison is often a Bybit ad.
How does OpenRate get this Bybit EUR data?+
For Bybit we crawl their public P2P API every 60 seconds and write merchant-level ad data to our Postgres. The aggregate per-payment-method numbers above are reconciled against p2p.army's TOP1 snapshot every 30 minutes.