Brighty Card Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
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Card Overview
Brighty is an EEA-focused all-in-one app: a personal EUR IBAN with SEPA, a crypto spending card, USDC cashback, and stablecoin Earning Vaults. The catch sits under the card, not on it. Brighty holds no crypto or e-money licence itself. The card is issued by Wallester AS, and the crypto account runs on an outside provider that has churned once: Wireflexion took over on 1 January 2026, briefly freezing cards and forcing a card-terms re-approval. Several review aggregators now say the provider is winding down and advise pulling funds, though Brighty posts no such notice and still sells the card as live. Custody is custodial, run on Fireblocks MPC, so access depends on the wallet provider. The card network is mid-transition: older sources say Visa, the homepage now says Mastercard. You fund through the EUR IBAN. Crypto conversion is free up to monthly limits, then a 0.4-0.6% markup, and foreign purchases carry a 2% FX fee. Cashback starts at 0.5% in USDC, with higher boosted tiers above that. The free tier is virtual-only; a physical card needs Plus (~€9/mo) or Pro (~€18/mo) and ships to the EEA only. Vaults advertise up to ~10% APY, separate from the card balance. Best fit: EEA crypto earners who want euro rails, a card, and USDC yield in one app and can keep balances small while the backend settles. Wrong card if you want a licensed, set-and-forget issuer, or you live outside the ~30+ EEA/European countries it covers.
Brighty Card combines European banking infrastructure with blockchain innovation, offering up to 1.75% category-boosted cashback without requiring platform token purchases. Choose your favorite spending categories for enhanced rewards while earning up to 5% yield on stablecoin deposits. With European IBAN accounts, instant crypto top-ups, and flexible free or premium plans, Brighty serves digital nomads and crypto users who want sophisticated financial tools with full regulatory compliance.
This is a Visa crypto card. It offers cashback rewards. Available in Europe.
Fees & Limits
| Issuance Fee | Free for One plan; paid plans vary |
|---|---|
| Annual Fee | One: Free; Plus: ~€5-10/month; Pro: ~€20-30/month |
| FX Fee | 2% FX fee on card transactions; in-app exchange 0.4-0.6% markup after monthly free allowance (plan-dependent) |
| ATM Limit | €350/day; €2.50 + 2.5% fee |
| Spending Limit | Varies by plan (higher for Pro) |
These figures can change. Confirm the current fees, FX and network in Brighty’s official terms before you apply.
Features
- Welcome Bonus: EUR 25 cashback
- Card Type: Virtual + Physical
- Top up with: Multi-currency: EUR, GBP, USD; crypto top-ups supported
- Available Countries: Åland Islands, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, French Guiana, Germany, Gibraltar, Greece, Guadeloupe, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Martinique, Mayotte, Montenegro, Poland, Portugal, Réunion, Romania, Saint Martin, Slovakia, Slovenia, Spain, Sweden, The Netherlands
Banking & Fiat Rails
IBAN: Yes (personal named European IBAN); SEPA: Yes; SWIFT: Yes (FedWire/FPS too)
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, not stated by the issuer itself. — re-verify — homepage says "Powered by Mastercard"
Supported Cryptocurrencies
You can load the Brighty Card with several cryptocurrencies. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: No direct blockchain top-up; crypto funded via in-app custodial accounts
Supported assets: Multi-currency: EUR, GBP, USD; crypto top-ups supported
Who Is the Brighty Card Best For?
The Brighty Card is a good fit for holders who want their balance to keep earning while it sits on the card.
The Brighty Card pays up to 1.75% cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in Europe; expanding to Latin America, Africa, Asia-Pacific, Middle East, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn up to 1.75% cashback
- People who want a straightforward, app-managed crypto card
- European users within EEA countries
Avoid if
- You need full non-custodial control of your funds
- You're a US resident (this card doesn't support US users)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Brighty Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- Category-based boosted cashback up to 1.75%; no token staking required; European IBAN integration
- Works wherever Visa is accepted worldwide
- Covers the European Economic Area (EEA)
- Virtual card ready right away, no shipping wait
- Welcome bonus: EUR 25 cashback
Cons
- Paid plans required for higher cashback; monthly cashback caps ($20-$250); early-stage platform
- Card issuance fee: Free for One plan; paid plans vary
- Annual fee: One: Free; Plus: ~€5-10/month; Pro: ~€20-30/month
- Custodial: the issuer holds your funds
- Only available in certain regions
- Full KYC required, no anonymous tier
How to Get the Brighty Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Brighty account
A few minutesGo to the Brighty website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerBrighty runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad your card with Multi-currency: EUR, GBP, USD; crypto top-ups supported through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Brighty Card shows up in the Brighty app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available Across the EEA
The Brighty Card covers the EU member states plus Iceland, Liechtenstein, and Norway. If you're in the UK, check with the issuer about post-Brexit availability.
Key supported countries:
Common questions about the Brighty Card
What are the fees for the Brighty Card?
How does the Brighty Card cashback work?
Where is the Brighty Card available?
What are the Brighty Card's ATM and spending limits?
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