Bringin 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 | Free (first virtual and first physical on Pro); extra virtual EUR 1, extra physical EUR 5; delivery EUR 2.50-30 |
|---|---|
| Annual fee | Card needs the Pro subscription: EUR 3.49 a monthThe fine printThe yearly price is EUR 37.69 on the card page, EUR 37.9 in the help centre and EUR 41.88 in the terms of 27 July 2026 |
| FX fee | 0% FX on non-EUR transactions |
| ATM limit | EUR 2.50 per withdrawal; EUR 350/day, EUR 3,000/month cash |
| Spending limit | EUR 10,000/day, EUR 15,000/month card payments |
Fees change; the current ones are in Bringin’s terms.
Features
- Custody: Custodial
The fine print
- … the card spends euros in your Bringin EUR account or bitcoin held for you by Lightspark Payments Europe
- Bringin's self-custody wallet is a separate product you top up from
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: Bitcoin on-chain and Lightning
Full list
- SEPA deposit free
- BTC-to-EUR conversion 1% (terms allow up to 3.5%) plus up to 0.5% spread
- Paying straight from the bitcoin account costs 1% per card authorisation
- Available countries: EEA only
Who issues the Bringin Card
The Bringin Card is issued by Wallester AS, Estonia / EEA (Visa Principal Member). The issuer is named in the source linked below. T&C §9.1: "issued ... by a Third-Party Service Provider, Wallester AS (registry code 11812882), a Payment Institution authorized by the Financial Supervision Authority of the Republic of Estonia". vIBAN rail is separate: OpenPayd Financial Services Malta (C 75580), named in the same document.
Primary source · All cards issued by Wallester AS · Why the issuer matters
Supported cryptocurrencies
You can load the Bringin Card with crypto; the asset we track for it is listed below.
Pros and cons
Pros
- Top up by Lightning or on-chain from any bitcoin wallet
The fine print
- 0% FX
- Personal vIBAN with free SEPA in and out
- EUR 0 issuance for the first virtual and physical card and no maintenance fee
- Built on a MiCA-authorised CASP
- Full stack disclosed (Wallester AS issuer, Lightspark infrastructure, OpenPayd behind the vIBAN)
Cons
- Card needs the EUR 3.49 a month Pro subscription
The fine print
- Card balance is custodial
- BTC-to-EUR conversion 1% (up to 3.5% per the terms) plus spread
- EUR 2.50 for every ATM withdrawal
- Apple Pay only through Curve
- Bitcoin only
- EEA only, with Hungary paused
- No cashback
- Annual fee: Card needs the Pro subscription: EUR 3.49 a month
Regional availability
Available in most of the EEA
EEA residents 18+; card payments not available in Switzerland; onboarding of new residents of Hungary is paused; US Persons excluded.
Banking and fiat rails
The fine print
- Fiat deposits and withdrawals EUR 0
- The vIBAN is linked to an account held in Lightspark Payments Europe's name at OpenPayd Financial Services Malta
Card overview
Bringin is a Visa debit card for EEA residents (all EU27 plus Iceland, Liechtenstein and Norway) that spends either euros or bitcoin held for you. BTC you convert is sold to euros and parked in a custodial virtual IBAN that the card spends from, and each conversion costs 1% (the terms allow up to 3.5%) plus up to 0.5% spread; paying straight from the bitcoin account instead costs 1% per card authorisation.
All of that sits on top of the Pro subscription the card needs: €3.49 a month, with the yearly price given as €37.69 on the card page, €37.9 in the help centre and €41.88 in the terms of 27 July 2026, one free virtual and one free physical card included. Bringin's self-custody wallet is a separate product you top up from. The card balance is custodial, held for you by Lightspark Payments Europe.
Funding runs over on-chain Bitcoin, Lightning, or SEPA, and SEPA in and out of the personal vIBAN costs nothing. Getting the card needs 18+, valid ID and KYC; new residents of Hungary are paused, and card payments do not work in Switzerland. You get 0% FX on card spending, but every ATM withdrawal costs €2.50 and the €350/day cash cap is tight for travel; spend limits are higher at €10,000/day and €15,000/month. Google Pay works by default; Apple Pay only through Curve.
There is no spending cashback. Every fee and custody figure is issuer-stated; no independent audit re-verified.
- Best fit
- EEA bitcoiners who self-custody in a Lightning wallet and want to convert and spend on their own schedule with 0% FX abroad
- Wrong card if
- you live outside the EEA, chase cashback, or refuse an annual fee
Common questions about the Bringin 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.
