Image: Brighty (BTY Digital AG)

Brighty Card review: fees, cashback and limits

Name: Brighty Card
Brand: Brighty (BTY Digital AG)

A Swiss crypto and euro account with a virtual Mastercard and USDC cashback.

By Taimoor, founder and editor Last checked 17 October 2026 4 sources

5.1out of 10

Quick answer

Brighty is a Swiss-run app for Europe that combines euro and crypto accounts with a virtual Mastercard. The One plan is free; Plus costs €9 a month and Pro €18, adding a physical Visa and cheaper currency exchange. Each virtual card costs €2.99 to issue. Currency exchange costs 0.6% on One, and cashback is 0.5% in USDC, capped at $20 a month on One. Incoming crypto is free, but incoming SEPA costs 0.3% (minimum €10).

Brighty at a glance

Best for	Europeans who want euros, stablecoins and a card in one app without a bank.
Skip it if	You top up often by bank transfer, since the €10 minimum fee adds up.
Network	Mastercard (virtual). Physical Visa on Plus and Pro.
Card issuer	Not named in the fee schedule
Custody	Custodial. Brighty holds your fiat and crypto through partners.
Card type	Prepaid debit linked to your Brighty account
Virtual or physical	Virtual on every plan, physical Visa on Plus and Pro
Cashback	0.5% in USDC
Annual fee	One free. Plus €9 a month. Pro €18 a month.
Apple Pay / Google Pay	Yes / Not confirmed
Identity check (KYC)	Required (through Sumsub)
Where it works	The EU and EEA, plus Switzerland, Liechtenstein, Montenegro, Serbia, Andorra, San Marino and Monaco.

Brighty fees

Card cost	€2.99 per virtual card. One plan includes 1 card, Plus 2 and Pro 3.
Annual or membership fee	One free. Plus €9 a month. Pro €18 a month.
FX and cross-border	Currency exchange: 0.6% on One, 0.5% on Plus above €2,000 a month, 0.4% on Pro above €5,000 a month. Card networks may add up to 2% on some programs.
Crypto conversion	Crypto converts at the same exchange rates. Incoming crypto is free.
ATM withdrawals	Physical card only (Plus and Pro). Brighty doesn't publish a separate ATM fee.
Other fees	Incoming SEPA or Faster Payments: 0.3%, minimum €10
	Outgoing SEPA: €3 plus 0.3% on One, €0.50 plus 0.3% on Plus and Pro, minimum €10
	Crypto withdrawals: €1 to €20 depending on the network

Visa and Mastercard apply their own exchange rates on top of any card markup. Check the fee page in the Brighty app for your country before you load money. To see what Brighty would cost you in a year compared with every other card, try the cost calculator.

What a $100 purchase costs with Brighty

$0.60Paid from stablecoins in the card's own currency

$1.20Paid from stablecoins in a foreign currency

$0.60Paid from other crypto, like BTC or ETH

$0.50Cashback on $100, One tier

These are Brighty's own fees on the One tier, before the card network's exchange rate and any ATM or top-up costs. Its FX markup of 0.6% is lower than the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 34 of them. For a full year based on your own spending, use the cost calculator.

Where it ranks by our score: #30 of 36 in Europe (EEA)

Cashback and rewards

0.5% in USDC on everyday purchases, up to 1.75% in selected categories
Monthly cap: $20 on One, $60 on Plus, $100 on Pro
Money transfers and other excluded categories don't earn cashback

Tier	Price or requirement	Cashback	Notes
One	Free	0.5%, max $20 a month	1 virtual card, 0.6% exchange
Plus	€9/month	0.5%, max $60 a month	2 virtual cards, physical Visa, €2,000 free exchange
Pro	€18/month	0.5%, max $100 a month	3 virtual cards, physical Visa, €5,000 free exchange

Deposits and withdrawals

How to top up

Crypto deposits, including USDC, on Ethereum, Tron, Solana, Arbitrum, Polygon, BNB Chain, TON and more
SEPA and Faster Payments
SWIFT

Fees: Crypto in: free. SEPA or Faster Payments in: 0.3% (minimum €10). SWIFT in: 0.7% (minimum €50).

How to withdraw

SEPA and Faster Payments
Crypto withdrawals to any wallet

Fees: SEPA out from €0.50 plus 0.3% (minimum €10). Crypto out €1 to €20 by network.

Supported assets: EUR and other fiat balances, USDC and other supported crypto.

Where Brighty works

The EU and EEA, plus Switzerland, Liechtenstein, Montenegro, Serbia, Andorra, San Marino and Monaco.

The UK, US and countries outside Europe.

Europe (EEA)

Limits and perks

Limits

Virtual Mastercard purchases: €50,000 on One, €75,000 on Plus, €100,000 on Pro
Incoming fiat: €100,000 a month

Perks

Earning vaults for crypto balances
Third-party IBAN for receiving salary

Pros and cons

What's good

Free plan with stablecoin cashback
Euro IBAN and crypto in one app
Free incoming crypto

What's not

€2.99 for each virtual card
0.3% (minimum €10) on incoming bank transfers
Small cashback caps on the free plan
Custodial

Our take on Brighty

Brighty is a Swiss company running a money app for Europe. You get a euro account with an IBAN, a crypto account and a virtual Mastercard that spends your euro balance. Crypto you send in is free to receive, and you convert it to euros at Brighty's exchange rate before spending.

The free One plan works for light use. Each virtual card costs €2.99, currency exchange costs 0.6%, and cashback is 0.5% in USDC up to $20 a month. Plus (€9 a month) and Pro (€18) add a physical Visa, more cards, bigger cashback caps and a monthly allowance of fee-free exchange.

Watch the bank transfer fees. Incoming SEPA costs 0.3% with a €10 minimum, so a €500 top-up costs €10, or 2%. Funding with stablecoins is the cheaper route.

A tidy euro-and-crypto app for Europe. Fund it with stablecoins, not bank transfers, and the free plan is good value.

How we scored Brighty: 5.1/10

Methodology

Fees 30%

6 Free plan and 0.6% exchange, but €2.99 cards and a €10 minimum on bank top-ups.

Rewards 20%

4 0.5% in USDC, capped at $20 a month on the free plan.

Control 20%

4 Custodial.

Reach 15%

4 EEA, Switzerland and a few other European countries.

Flexibility 15%

7 IBAN, SEPA, SWIFT and many crypto networks.

Brighty FAQ

Is the Brighty card free?

The One plan has no monthly fee, but each virtual card costs €2.99 to issue. Plus costs €9 a month and Pro €18.

How much cashback does Brighty pay?

0.5% in USDC on everyday purchases, capped at $20 a month on One, $60 on Plus and $100 on Pro.

Where is Brighty available?

In the EU and EEA, Switzerland, Liechtenstein, Montenegro, Serbia, Andorra, San Marino and Monaco.

Sources

Brighty Help: fees and limitsCard, exchange and transfer fees as of Sep 15, 2026
Brighty Help: where can I use the Brighty appCountries
Brighty cashback termsProgramme rules, BTY Digital AG
cryptocard.guide: Brighty CardPlan prices and cashback caps, checked Oct 6, 2026

We checked these sources on 17 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.