Brighty Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | €2.99 per virtual Mastercard on every plan; card limit 1 on One, 2 on Plus and 3 on Pro; no more than 10 card issuances a month |
|---|---|
| Annual fee | Free (One); Plus and Pro are paid subscriptions whose prices are shown only in the app; no monthly card service fee on any plan |
| FX fee | Not published for the virtual MastercardThe fine printIn-app currency exchange 0.6% on One with no free allowance, 0.5% above €2,000 a month on Plus, 0.4% above €5,000 a month on Pro |
| ATM limit | Not listed: the current fee schedule covers only the virtual Mastercard and publishes no ATM fee or limit |
| Spending limit | €50,000, €75,000 and €100,000 daily and monthly purchase limit on the virtual Mastercard for One, Plus and Pro |
Fees change; the current ones are in Brighty’s terms.
Features
- Welcome bonus: 25 USDC referral
- Cashback: Up to 1.75%
The fine print
- 0.5% on eligible purchases on every plan
- Up to 1.25%–1.75% in selected categories, depending on plan and categories
- Capped at 20 (One), 60 (Plus) and 100 (Pro) USDC a month
- Locked until the first day of the next month
- Network: Mastercard; Visa cards issued earlier are frozen during the Wireflexion wind-down
- KYC: Yes
- Card type: Virtual; the current fee schedule lists only a virtual Mastercard, and Visa cards issued earlier are frozen during the Wireflexion wind-down
- Top up with: EUR, GBP and USD by SEPA, Faster Payments and SWIFT, and crypto transfers
Full list
- Incoming SEPA and Faster Payments cost 0.3% with a €10 minimum, SWIFT 0.7% with a €50 minimum, incoming crypto is free
- Accounts still with Wireflexion cannot receive top-ups during its wind-down
- Available countries: EU and EEA countries, plus Montenegro, Serbia, Andorra, Switzerland, Liechtenstein, San Marino and Monaco
Who issues the Brighty Card
Brighty Card does not name its issuer outright, and on the documents we could reach, the sponsor appears to be Wallester AS, Estonia / EEA (Visa Principal Member), inferred from the program manager and not stated by the issuer itself. (homepage says "Powered by Mastercard").
Pros and cons
Pros
- 0.5% cashback on every plan and up to 1.25%–1.75% in selected categories, with no token to hold
The fine print
- Personal named IBANs
- Virtual Mastercard with no monthly service fee
- Purchase limits of €50,000 to €100,000 by plan
- No annual maintenance fee
- Welcome bonus: 25 USDC referral
Cons
- Monthly cashback caps of 20, 60 and 100 USDC by plan, and cashback stays locked until the next month
The fine print
- €2.99 for each virtual card
- No card foreign-currency fee, physical card or ATM fee in the current fee schedule
- Apple Pay unavailable on Mastercard cards
- Incoming SEPA costs at least €10
- Visa cards issued earlier are frozen during the Wireflexion wind-down
- Card issuance fee: €2.99 per virtual Mastercard on every plan
Regional availability
Available across the EEA
Europe: EU and EEA plus Montenegro, Serbia, Andorra, Switzerland, Liechtenstein, San Marino and Monaco.
Banking and fiat rails
The fine print
- … third-party-enabled IBAN
- SEPA: Yes, 0.3% with a €10 minimum incoming and €3 + 0.3% with a €10 minimum outgoing on One
- SWIFT: Yes, 0.7% with a €50 minimum incoming and 0.9% outgoing
- Faster Payments: Yes
Card overview
Brighty is a European all-in-one app with named IBANs, crypto accounts and a card, and it has just changed hands. Its earlier operator, Wireflexion Sp. z o.o., is winding down, and the app is now run by BTY Digital AG, a Swiss company; being a Wireflexion customer does not make you a BTY customer. During the wind-down, Visa cards issued earlier are frozen, accounts still with Wireflexion cannot receive top-ups, and Vaults earn nothing. The current fee schedule lists a single card, a virtual Mastercard at €2.99 each, with up to one card on One, two on Plus and three on Pro.
It publishes no physical card, no ATM fee or limit and no card foreign-currency fee. Apple Pay is unavailable on the Mastercard for now; Google Pay works. Purchase limits run from €50,000 to €100,000 by plan. You fund the account by SEPA, Faster Payments or SWIFT (incoming SEPA costs 0.3%, at least €10; SWIFT 0.7%, at least €50) or with crypto, which comes in free.
In-app currency exchange costs 0.6% on the free One plan, and 0.5% or 0.4% on Plus and Pro above a monthly free allowance. Cashback is 0.5% on every plan and up to 1.25%–1.75% in selected categories depending on plan, capped at 20, 60 and 100 USDC a month and locked until the next month. BTY says it offers no yield-bearing vaults, although the homepage still advertises up to 10% APY.
- Best fit
- residents of the EU and the EEA, Montenegro, Serbia, Andorra, Switzerland, San Marino or Monaco who want euro rails and a virtual card with capped cashback in one app
- Wrong card if
- you need a physical card, Apple Pay or a published card FX fee, or you live anywhere else
Common questions about the Brighty Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
