Brighty Card
- Offers a Free Tier with no monthly fee
- Auto-converts your crypto at the time of purchase
- Good customer service
- Apple Pay is available on the physical card only
- Must be on €18 monthly plan to order physical card
- Open to Europeans only
- Quite confusing app experience
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Debit Card |
| Denominated In | € EUR |
| Apple Pay | Not Enabled |
| Monthly Fee | 0.00 EUR |
| Monthly Inactivity Fee | 0.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~1.4% |
| Highest Cashback | up to 1.75% |
| Entry-Level Cashback | 1% |
| Entry-Level Cashback Monthly Cap | 20 USD |
| Daily Spending Limit | 15,000 EUR |
| Daily ATM Withdrawal Limit | 350 EUR |
| Foreign Exchange Fee | 2% |
| Crypto to Fiat Conversion | Auto on Every Purchase |
| Crypto Asset Management | Custodial (stores crypto keys on your behalf) |
| Supported Blockchains | ArbitrumBinance Smart ChainBitcoinEthereumPolygonSolanaTon |
| Supported Cryptocurrencies | ADAARBBNBBTCETHEURAEURCISLMMATICNPCSHIBSOLTONTRUMPTRX |
| Supported Countries | AndorraAustriaBelgiumBulgariaSwitzerlandCyprusCzechiaGermanyDenmarkEstoniaSpainFinlandFranceGreeceCroatiaHungaryIrelandIcelandItalyLiechtensteinLithuaniaLuxembourgLatviaMonacoMoldovaMontenegroMaltaThe NetherlandsNorwayPolandPortugalRomaniaSwedenSloveniaSlovakiaSan Marino |
Your Brighty Card: EUR-denominated card with 1% cashback
Brighty Card Benefits and Rewards
Brighty Card offers 1% cashback on eligible spend, and up to 1.75% cashback in selected categories.
| One
(Free Plan) |
Plus
(€9 per month) |
Pro
(€18 per month) |
|
| Cashback on all eligible spend | 1% | 1% | 1% |
| Cashback on your selected categories | – | 1.25% | 1.75% |
| Cashback Cap per Month | $20 | $60 | $100 |
With the Plus plan (€9/month), you can choose up to 2 cashback categories yourself, and 1 extra category will be assigned randomly. Those categories earn 1.25% cashback that month.
With the Pro plan (€18/month), you can choose up to 3 cashback categories yourself, plus 1 extra category assigned randomly. Those categories earn 1.75% cashback that month.
Your cashback is paid in USDC to a separate Cashback Balance, usually within ~5 business days. At the start of each new month, it is automatically moved to your Reward Box, where you can withdraw it.
Reality Check While Brighty Card promotes up to 1.75% cashback, if you're an entry-level user with 1,000 EUR in assets, you'll qualify for 1% cashback, capped at 20 USD per month.
Are other cards more generous at base tier? Yes, slightly:
| Brighty Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 20 USD | 30 USD |
Brighty Card is a Debit Card
- Debit Card
- Credit Card
- Prepaid Card
- LU
IBAN Bank Account- in your name
Brighty Card is a debit card. Alongside, Brighty offers you a personal bank account. You'll receive a Luxembourg-based IBAN bank account number issued in your name.
Not so Great:Third party senders cannot deposit funds into your Brighty bank account - you can only receive deposits from accounts in your name. This means you will not be able to receive your fiat withdrawals from exchanges or receive salary payments.
It Comes in Both Physical and Virtual Forms
You can get Brighty Card in both physical and virtual versions, a feature only available with 30% of crypto cards. They'll mail you the physical card, and you can instantly get the virtual card online after completing KYC Identity Verification.
Wondering about the perks of each card type? Here are some highlights:
Physical Card | Virtual Card |
|---|---|
| ATM Withdrawals | Second Card Number |
| Required for Car Rentals, Hotels | Instant Availability |
| Useful When Phone Dies, or no Wifi | Freeze for Safety |
| Backup Payment Method | Set Lower Spend Limits |
Cost to Order: 15 EUR | Cost to Order: 0 EUR |
You will find the physical Brighty Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.
Crypto-to-EUR Conversion Cost with Brighty Card
Brighty Card Converts Your Crypto on Demand
Brighty Card offers instant conversion to EUR at the time of purchase. This allows you to hold your crypto and exchange to real-life currency only when you need to. No need to pre-convert your cryptocurrencies or preload the card.
| Crypto to Fiat Conversion Fee | 0.6% |
| Sell Spread | ~0.8% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Total Crypto to EUR Cost | ~1.4% |
Reality Check:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with Brighty Card will cost you about the same (~1.4%).
From all crypto cards we reviewed for Europe, WhiteBIT Card, Holyheld Card and Trade Republic Card offer the cheapest crypto-to-fiat conversions (~0.28%, ~0.5% and ~0.7% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does Brighty Card Compare to Other Crypto Cards?
Brighty Card ranks #47 out of 67 amongst all the crypto cards we have reviewed so far. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.
We compared Brighty Card with 41 similar crypto cards, available for the same geographical region. See the resulting pros and cons below.
Strongest Features Against Competitors
Here are the strongest features of Brighty Card against its 41 competitors:
- Their customer service is very good with a 8.8/10 score (others score only 7.6/10 on average).
- Doesn't require preconverting of your crypto, converts needed amount automatically on every purchase (while 60% of competing crypto cards require you to preload card in advance).
- You can get both a physical card and a second virtual card (while 70% of competing crypto cards offer only one type - either physical or just virtual).
- You won't be charged any monthly fee (while 20% of other crypto cards charge one, with a median of 1.75 EUR per month).
Weakest Features Against Competitors
Compared to its 41 competitors, here are the shortcomings of Brighty Card:
- Apple Pay isn't enabled (while 70% of competing crypto cards have it).
- Offers up to 1.75% cashback (while other cards give an average of 4%).
- Daily spend is capped at 15,000 EUR (while other cards offer 25,500 EUR daily spend limit on average).
- Lesser-known company with a 2/10 brand authority score (the average for all competing cards is 6/10).
- Doesn't offer any free ATM withdrawals (in contrast to 40% of crypto cards which offer an average of 200 EUR free withdrawal allowance per month).
Brighty Card vs. Cypher Card vs. KAST Card
Brighty Card
|
Cypher Card
|
KAST Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 EUR | 0.00 USD | 0.00 USD |
| Crypto to Fiat Cost | ~1.4% | ~1% + Gas Fees | 0% |
| Highest Cashback | up to 1.75% | None | up to 8% |
| Entry-Level Cashback | 1% | None | 2% |
| Daily Spending Limit | 15,000 EUR | 4,000 USD | Unlimited |
| Daily ATM Limit | 350 EUR | 500 USD | 1,500 USD |
| Foreign Exchange Fee | 2% | 1.5% | 2% |
| Asset Management | Custodial | Non-Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 17 | 772 | 4 |
| Apple Pay | Not Enabled | Enabled | Enabled |
| Customer Service | Great | Great | Great |
| Brand Authority | Less-Known | Less-Known | Growing |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. KAST Card offers an unparalleled Unlimited daily spending limit. You will get lower daily limits with Brighty Card and Cypher Card.
Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, KAST Card offers the best cashback rewards of up to 8%. The cashback rewards for Brighty Card are not as high. With Cypher Card, you will have no cashback rewards at all.
To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.
Brighty Card ATM Fees: The Real Cost of Cashing Out
Local ATM Withdrawals in EUR
Here's a breakdown of the fees you'll face when making local ATM withdrawals with your Brighty Card:
Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Brighty Card will cost you a total of ~9.3 EUR (4.7% of 200 EUR), resulting in a final cash withdrawal of 190.7 EUR in hand.
Plus, if you'd like to check your balance via the ATM, it will cost you an additional 2.5 EUR.
Doesn't Brighty Card Offer Free ATM Withdrawals?
No, it doesn't. Which is a shame, because 40% of competing cards offer free ATM withdrawals, typically allowing up to 200 EUR per month without fees.
International non-EUR ATM Withdrawals
Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your Brighty Card, here's what it will look like:
For an international withdrawal using your Brighty Card with an initial 200 EUR in ETH, you'll incur fees totaling ~26.05 EUR (13% of 200 EUR), leaving you with 173.95 EUR in the equivalent foreign currency.
Reality CheckCompared to other crypto cards, Brighty Card is more expensive for both local and international ATM withdrawals:
| Cost with Brighty Card | Cost with Other Cards | |
| Local ATM Withdrawals | ~9.4 EUR (4.7% of 200 EUR) | ~8.6 EUR (4.3% of 200 EUR) |
| International ATM Withdrawals | ~26 EUR (13% of 200 EUR) | ~18 EUR (9% of 200 EUR) |
From all crypto cards that we reviewed, Bleap Card, Trade Republic Card and Holyheld Card offer the cheapest local ATM withdrawals (1.8%, 2.2% and 2.5% of 200 EUR respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 9% of 200 EUR.
We Tested Brighty's Customer Support
We asked Brighty's customer support different questions, and then rated their responses to evaluate how good their support is.
Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.
Brighty offers support via the following channels:
| Chat | https://brighty.app/ |
| [email protected] |
Location: Brighty customer service reps are located in 
Lithuania and 
Switzerland.¹
| Support Channel | Our Interaction | Score |
Chat (replied in 10 h 3 min) | Answered exactly to what was asked for, no copy pasted responses, no fluff. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
Chat (replied in 1 d 17 h ) | Responses were to the point and useful. Still, this is not 'Live Chat' when it takes several days to get a reply to a follow up question. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
Email (replied in 16 min) | Quick ad to the point reply to a question about 3DS. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
Email (replied in 2 h 28 min) | An excellent response to multiple questions about limits and fees, provided additional details and clarifications. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
Chat (replied in 22 h 47 min) | Answered what was asked for, about fees, but with several days gap for each follow up question. This support channel is not like chat, this is more like email. | High Competence Somewhat Personalized Adequate English, Professional Tone 9/10 |
To summarize,
Competence and Problem-Solving: Brighty's customer service agents are highly competent, so you can expect every issue to be resolved with professional expertise and a thorough understanding.
Customer Love: Their responses will be personalized when they need to look up specific information from your account, although they may not always address you by name.
Reply Speed: Response times are inconsistent, ranging from as quick as 16 minutes to as slow as 2 days.
Overall Customer Service Rating: 8.8/10
This excellent score places Brighty's Customer Service well above the crypto card industry average of 5.7/10.
Is Brighty Card Available for Residents of United States?
No, Brighty Card is not available for residents of United States.
Brighty Card supports the following countries: Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, Norway, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, The Netherlands.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 15 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
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