Brighty Card
- Apple Pay enabled
- 0% foreign exchange fee
- Physical card available with a paid plan only
- No cashback
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Debit Card |
| Denominated In | € EUR |
| Apple Pay | Enabled |
| Monthly Fee | 0.00 EUR |
| Monthly Inactivity Fee | 0.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~1% |
| Cashback | None |
| Daily Spending Limit | 10,000 EUR |
| Daily ATM Withdrawal Limit | 350 EUR |
| Foreign Exchange Fee | 0% |
| Crypto to Fiat Conversion | Auto on Every Purchase |
| Crypto Asset Management | Custodial (stores crypto keys on your behalf) |
| Supported Countries | AlandAndorraAustriaBelgiumBulgariaCroatiaCyprusCzech RepublicDenmarkEstoniaFinlandFranceFrench GuianaGermanyGibraltarGreeceGuadeloupeHungaryIrelandItalyLatviaLithuaniaLuxembourgMaltaMartiniqueMayotteMontenegroNetherlandsPolandPortugalReunionRomaniaSaint-MartinSlovakiaSloveniaSpainSweden |
| Supported Cryptocurrencies | ADABTCETHEURTISLMTONUSDCUSDTXTZ |
Your Brighty Card: Enjoy Apple Pay and 0% foreign exchange fees
Brighty Card Benefits and Rewards
Brighty card does not offer cashback rewards or any other incentives for using the card.
Brighty Card is a Debit Card
- Debit Card
- Credit Card
- Prepaid Card
- No Bank Account Offered
Brighty Card differs from a traditional debit card, where the balance is linked directly to your bank account.
Instead, with Brighty, the card is connected to your chosen crypto coin balance on their platform. Since Brighty doesn't offer a bank account with this card (while some crypto cards do), it means you won't be able to receive third-party payments, like fiat withdrawals from exchanges, for example.
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: 9 EUR / Month (requires paid plan) | 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.
The back of Brighty Card
| Card Issuer | Wallester |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 47522501 |
| Validity Period | 3 years |
| Issuing Country | Estonia |
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 | 0.5% |
| Sell Spread | ~0.5% |
| Transaction Fee | 0% |
| Total Crypto to EUR Cost | ~1% |
Low Cost:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with Brighty Card is much more cost-effective (~1%). This means that you will get more EUR for your crypto when using this card.
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 #41 out of 61 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:
- Has a Foreign Exchange Fee of 0% (other cards have 1.5% average).
- 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).
- Their crypto-to-fiat conversion cost, including all related fees and spread, is among the lowest at ~1% (versus an average of ~1.8% with other cards.)
Weakest Features Against Competitors
Compared to its 41 competitors, here are the shortcomings of Brighty Card:
- Doesn't offer any cashback (while other cards give an average of 4%).
- Daily spend is capped at 10,000 EUR (while other cards offer 25,000 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 50% of crypto cards which offer an average of 200 EUR free withdrawal allowance per month).
- Cost to withdraw cash from a local ATM is high at ~6.2% (comparing to the average of ~4.5% when withdrawing with other cards.)
Brighty Card vs. Fiat24 Card vs. Nexo Card
Brighty Card
|
Fiat24 Card
|
Nexo Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 EUR | 0.00 EUR | 0.00 EUR |
| Crypto to Fiat Cost | ~1% | ~1.75% + Gas Fees | ~0.75% |
| Highest Cashback | None | None | up to 2% |
| Entry-Level Cashback | None | None | 0.5% |
| Daily Spending Limit | 10,000 EUR | 9,800 EUR | 10,000 EUR |
| Daily ATM Limit | 350 EUR | N/A (Virtual-Only Card) | 2,000 EUR |
| Foreign Exchange Fee | 0% | 1.5% | 2% |
| Asset Management | Custodial | Non-Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 9 | 12 | 83 |
| Apple Pay | Enabled | Enabled | Enabled |
| Customer Service | Great | Great | Great |
| Brand Authority | Less-Known | Less-Known | Well-Known |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Both Brighty Card and Nexo Card offer a solid daily spending limit of 10,000 EUR. The daily limit on Fiat24 Card is not as high.
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, Nexo Card offers the best cashback rewards of up to 2%. With Brighty Card and Fiat24 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 ~12.45 EUR (6.2% of 200 EUR), resulting in a final cash withdrawal of 187.55 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 50% 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 ~18.39 EUR (9.2% of 200 EUR), leaving you with 181.61 EUR in the equivalent foreign currency.
Reality CheckOverall, Brighty Card is more expensive than other cards for local ATM withdrawals and equivalent to the average for international ATM withdrawals:
| Cost with Brighty Card | Cost with Other Cards | |
| Local ATM Withdrawals | ~12.4 EUR (6.2% of 200 EUR) | ~9 EUR (4.5% of 200 EUR) |
| International ATM Withdrawals | ~18.4 EUR (9.2% of 200 EUR) | ~18.4 EUR (9.2% of 200 EUR) |
From all crypto cards that we reviewed, Trade Republic Card, Holyheld Card and Bit2Me Card offer the cheapest local ATM withdrawals (2.2%, 2.5% and 2.7% 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/ |
| support@brighty.app |
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 7.6/10.
Brighty Promo Code - to Get 18 EUR Bonus
You can use promo code cryptonoshi to get 20 USDT (~18 EUR¹) bonus when you create an account on Brighty platform.
Here's how you can enter the promo code:
..or, just click here.
Your bonus will be paid out to you in USDT (Tether USDt1), right after you start using your Brighty card.
p.s. Are we getting paid for referring you? Yes, and it helps us continue our mission. It's like you are buying us lunch 🍱 for all the hard work we've put into building this site. We really appreciate it. Thank you. 🙏🤗
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: Aland, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, French Guiana, Germany, Gibraltar, Greece, Guadeloupe, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Martinique, Mayotte, Montenegro, Netherlands, Poland, Portugal, Reunion, Romania, Saint-Martin, Slovakia, Slovenia, Spain, Sweden.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 12 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Valuable Points. What's My Next Step?
Paulina Masson
Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.
