The Bybit EU platform is finally rolling out its long-awaited “Recurring Buy” feature. European users can now schedule recurring cryptocurrency purchases directly from their bank card, on a daily, weekly or monthly frequency. A revolution for DCA fans.
In brief
- Bybit EU launches crypto self-investment by bank card.
- Recurring Buy facilitates DCA with scheduled and automated purchases.
- The Service is MiCA compliant and accessible in the EEA (excluding Malta).
Recurring Buy: what is crypto self-investment?
L'self-investment (or “Recurring Buy” in English) allows users to automate their cryptocurrency purchases according to a predefined schedule. Rather than manually carrying out each transaction, the platform automatically executes purchase orders on the dates and frequencies chosen by the investor.
This functionality is based on a proven investment strategy: Dollar-Cost Averaging (DCA)literally “smoothing the purchase cost”. The principle is simple: invest fixed amounts at regular intervals, regardless of the market price. In periods of decline, the same amount allows you to acquire more units; during periods of increase, we buy less. In the long term, this approach makes it possible to smooth the average acquisition price and reduce the impact of volatility.
According to a Kraken survey, DCA represents the preferred investment strategy among crypto investors, with almost 60% of respondents using it regularly. The main reason: it eliminates the stress linked to “market timing” and promotes long-term investment discipline.
How does Recurring Buy work on Bybit EU?
Setting up a self-investment plan on Bybit EU is done in a few simple steps. The user must first log into their verified account (KYC required under MiCA), then navigate to the “Buy Crypto” section and select “ Recurring Buy » in the menu.
Customizable settings
- Purchase frequency: daily, weekly, bi-weekly or monthly. The user can also choose the specific day and time of execution.
- Amount : the amount in euros (or other fiat currency) to invest at each maturity. The limits are aligned with those of the One-Click Buy function.
- Target cryptocurrency: Bitcoin (BTC), Ethereum (ETH), USDT, USDC and many other cryptocurrencies available on the platform.
- Payment method : the great novelty lies in the possibility of directly connect your bank card. Funds are withdrawn automatically at each due date, without manual intervention. Alternatively, users can use their available fiat balance in their Funding account.
Each user can create up to 20 simultaneous Recurring Buy plansallowing you to diversify your automated investments across several assets.
Fees and conditions: what you need to know
Creating a Recurring Buy plan is free. No fees apply for scheduling purchases. On the other hand, once the plan is activated, each transaction is subject to standard Bybit EU trading fees. For card purchases, a spread and service provider fees apply: our November 2025 tests indicated an overall cost of around 1.2% to 1.6% above the mid-market price with a European Visa card.
Important point: if the available balance (Funding account or card) is insufficient when due, the transaction fails. The system will try again on the next scheduled date. After three consecutive failuresthe plan is automatically terminated. It is therefore crucial to maintain sufficient funds.
Please note: once created, a plan cannot be modified. To adjust the parameters (amount, frequency, target crypto), you must terminate the existing plan and create a new one.
Why does DCA appeal to crypto investors?
The cryptocurrency market is renowned for its extreme volatility. Variations of 30% in a single day are not uncommon. In this context, trying to “time” the market to buy at the lowest level is often a challenge, even for experienced traders.
DCA offers several concrete advantages:
- Reduction of timing risk: by spreading out purchases, you avoid investing your entire capital at the worst time.
- Investment discipline: automation removes emotional biases (FOMO, panic) that often lead to poor decisions.
- Accessibility: no need to constantly follow the markets or master technical analysis.
- Capitalization effect: regular accumulation promotes gradual growth of the portfolio over the long term.
Be careful, however: the DCA does not guarantee profit and does not protect against losses in the event of a lasting bearish market. It is above all a risk management tool, not a miracle strategy.
Bybit EU: a regulated framework under MiCA
Bybit EU GmbH operates under MiCAR license (Markets in Crypto-Assets Regulation) issued by the Austrian Financial Markets Authority (FMA) in May 2025. This authorization allows the platform to offer its crypto-asset custody and exchange services throughout theEuropean Economic Area (EEA)with the exception of Malta.
Based in Vienna (Austria), Bybit's European entity offers a range of services adapted to the local regulatory framework: spot trading, savings products (Bybit Earn), Mastercard payment card with cashback, and now self-investment. Derivatives and leveraged products remain limited in accordance with MiCA restrictions for retail users.
The platform also publishes Proof-of-Reserves audited by Hackenreinforcing transparency on the coverage of client assets.
What it changes for the user
Until now, the Auto-Invest function on Bybit (global version) required pre-funding your Funding account in fiat or crypto. The possibility of directly connect a bank card for direct debits represents a major simplification. The investor can now configure their plan once and for all, without worrying about maintaining a sufficient balance on the platform: the funds are withdrawn directly from their bank account via their card.
This feature was long-requested by the European community. It positions Bybit EU against competitors like Crypto.com, Coinbase or Bitpanda which already offered recurring purchases by card. The arrival of Recurring Buy completes the Bybit EU ecosystem alongside the Bybit Card (launched in September 2025 with 20% cashback) and the DCA trading bots introduced at the end of September.
In summary: the key points
- Automatic daily, weekly or monthly purchases
- Direct payment by bank card or Funding balance
- Up to 20 simultaneous plans per user
- Free plan creation, standard trading fees for each execution
- Mandatory KYC (MiCA compliance)
- Available to EEA residents (excluding Malta)
No, you must cancel the plan and create a new one with the desired parameters.
The purchase fails and will be retried at the next deadline. After 3 consecutive failures, the plan is terminated.
The purchased cryptos are credited to your Funding Bybit EU account.
Maximize your Tremplin.io experience with our 'Read to Earn' program! For every article you read, earn points and access exclusive rewards. Sign up now and start earning benefits.
