Brighty Card
by Wireflexion sp. z o.o.
Brighty App is a Swiss-managed, EU-regulated wealth management platform that bridges traditional banking with the crypto economy. It offers personal IBANs, high-yield 'Earning Vaults' for stablecoins, and a multi-network card system. Users can issue virtual and physical Visa cards as their primary spending tool, as well as a virtual Mastercard option specifically designed for secure online transactions. Brighty recently overhauled its rewards (Dec 2025), moving to an integrated cashback model. It operates on a 'Pay with anything' model where cards can be linked directly to EUR, USDC, USDT, BTC, or ETH accounts, allowing for seamless crypto spending without manual conversion.
Unique Features
- 1-to-1 exchange between fiat EUR and EURC stablecoin
- Dynamic Card Linking: Ability to instantly "re-wire" your card in the app to draw funds from different crypto vaults or fiat accounts.
Pros
- Real-time spending of crypto with instant conversion
- Up to 10% APY on stablecoins paid daily
- 0.5% base cashback even on free accounts
- Personal EUR IBAN for easy top-ups
- TON network integration
Cons
- 2% FX fee on non-EUR card transactions is high for a 'travel' card
- Monthly cashback caps exist on all plans
- Dormancy fees for inactive closed accounts
- Support for physical cards restricted to EEA
- High ATM fees
Integrations & Tech
Available In (31)
Tier Comparison
One
0.5% CashbackFee Structure
ATM Capabilities
Detailed Fee Structure
2% Visa/Mastercard FX fee. In-app exchange 0.4-0.6% after free limit
€5/month after 2 months of no withdrawal following account termination
Detailed Limits
Fee Details
Inactivity fee (dormancy) of €5/month applies after 2 months of no withdrawal following account termination. Foreign Transaction Fee (Visa/Mastercard) is 2% for all card transactions. In-app currency exchange (FX) is subject to plan-dependent markups (0.4%–0.6%) after the monthly free limit is exceeded. Outgoing SEPA transfers cost €3 (One) or €0.50 (Plus/Pro).
Limits & Conditions
Standard limits shown for physical cards. Pro plan users can request limit increases via support. Monthly spend limit is €15k for One/Plus and €50k for Pro."
Crypto Capabilities
Security & Custody
Supported Assets
