Brighty Card Review 2026
Reviewed: · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
onTrustpilot(77 reviews)Independently reviewed by Mihail B. · how we verify
Get Brighty CardCard Overview
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.
Sweepbase verdict: Brighty Card stands out for its up to 1.75% cashback rewards and on-card yield on deposited crypto — a solid fit for active spenders looking to earn crypto rewards on everyday purchases. Just keep an issuance fee (Free for One plan; paid plans vary) in mind when comparing alternatives.
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 | Competitive rates with no hidden markups |
| 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)
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 crypto holders who want a simple way to spend their coins without managing wallets by hand.
The Brighty Card pays Up to 1.75% (One: 0.5%; Plus: up to 1.25%; Pro: 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% (One: 0.5%; Plus: up to 1.25%; Pro: 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 need traditional bank integration (IBAN, SEPA, direct debits)
- 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
- Requires KYC identity verification
How to Get the Brighty Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Brighty account
~5 minutesGo to the Brighty website or download the app. Sign up with your email, pick a password, and accept the terms. It's free.
Complete KYC verification
1–3 business daysUpload a government-issued photo ID (passport or national ID) and take a selfie. Brighty verifies your identity under standard AML/KYC rules.
Fund your card
Usually instantOnce verified, load 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 all 27 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:
Frequently Asked Questions
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