What is Brighty Card?
Brighty is an EU-licensed crypto banking app with earning vaults up to 10% APY. Link card to stablecoin balance to earn while you spend.
Brighty Card 
Spend crypto like cash — earn cashback on every purchase, anywhere Visa is accepted.
Status: Live
Issued by Brighty
Curat Loyalty Bonus
Earn 50 xCURAT points on top of card benefits when you apply through us. T&Cs apply.
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Card Overview
Custody Type
custodial
Card Type
Debit Card
Material
Virtual & Plastic
KYC
Standard
Brighty is an EU-licensed crypto banking app with earning vaults up to 10% APY. Link card to stablecoin balance to earn while you spend.
Pros
0% foreign exchange fee
Daily Interest
IBAN account
Instantly to Brighty users, or via SEPA, SWIFT
Cons
Physical card available with a paid plan only
No cashback
custodial
Rewards & Staking
Max Cashback
1.75%
On eligible purchases
Reward Token
USDC
Paid out in USDC
Staking APY
Up to 10% APY in Earning Vaults
On staked assets
Tier Comparison
T&C| Tier Name | Staking | Cashback | Perks |
|---|---|---|---|
| One (Free) | 0 | 0.5%% | |
| Plus (Paid) | 0 | Up to 1.25%% | |
| Pro (Paid) | 0 | Up to 1.75%% |
Reward specifics
Boost Multiplier N/A
Monthly Cap $20/mo (One); $60/mo (Plus); $100/mo (Pro)
Payout Frequency Daily
Welcome Bonus N/A
Referral Bonus 25 USDT per referral
Bonus APR N/A
Bonus Token N/A
Staking & Requirements
Required Token N/A
Min Stake Amount N/A
Fiat Value Req N/A
Lock-up Period N/A
Downgrade Penalty N/A
Supported Assets
Chains
Tokens
Card Options
Virtual Card: Instant digital issuanceVirtual Card
Issuance Free
Replacement N/A
Physical Card
Material Plastic
Issuance Free
Shipping Free
Replacement N/A
Lifestyle & Perks
Not Offered
Airport Lounge
Not Offered
Crypto Events Shuttle
Not Offered
Airport Transfers
Not Offered
Priority Boarding
Not Offered
Esim
Not Offered
Concierge Services
Not Offered
Golf Access
Not Offered
Fitness Membership
Not Offered
Exclusive Club
Not Offered
Exclusive Merch
Not Offered
Nft Drops
Not Offered
Crypto Token Deals
Fees & Limits
Fee Schedule
Fee Structure Forever Free
FX Fee 2% (card transactions); In-app exchange: 0.4%–0.6% markup after free limit
ATM Withdrawal One: No ATM; Plus: EEA €3.50/withdrawal, Non-EEA €3.50+3.5%; Pro: EEA €3.00, Non-EEA €3.00+3%
ATM (Domestic) N/A
ATM (Intl) N/A
Fee After Limit 2%
Inactivity Fee €5/month after 2 months of inactivity following account termination
Top Up Fee Free
Liquidation Fee ~1% (0.5% fee + 0.5% spread)
Custody Fee N/A
Usage Limits & requirements
Daily Spend Limit €10,000/day
Monthly Spend Limit €15,000/mo (One/Plus); €50,000/mo (Pro)
ATM Withdrawal Limit €350/day
Free ATM Limit None
Max Balance N/A
Min Balance N/A
Top Up Limits Via bank transfer (SEPA/SWIFT/Faster Payments)
Technical Features
Integrations
Contactless
Security
2FA Support
Biometric Auth
Card Freeze
Transaction Notifications
Dynamic CVV
Merchant Blocking
App & Usability
Spending Analytics
PIN Change in App
Spending Limits Control
Subscription Management
Budgeting Tools
Smartwatch Support
Recuring Payment Control
Dispute Filing
Receipt Capture
Split Bill
ATM Locator
Advanced & Global
Multi-currency Wallet
Crypto Auto-convert
Round-up Savings
QR Payments
Offline Mode
Carbon Tracking
Instant Card Details
Crypto Capabilities
Yield on Collateral
On-Chain History
Governance Rights
Credit Scoring
Banking & On-Ramp
Banking Features
Virtual Bank Account Yes
Account Type IBAN
Direct Deposit Yes
Bill Pay No
Instant Issuance No
Self Custody No
Dual Mode (Switch) No
Funding & Withdrawals
On Ramp
AvailableFunding Options
Bank Transfer
Off Ramp
AvailableOff-Ramp Options
Bank Transfer
Stablecoin Offramp
Supported Stablecoins
USDT, USDC
Operations & Support
Support Channels
Support Tier basic
Support Type Email, Chat
Hours 24/7
Dedicated Manager No
Response SLA <24 hours
Geographic Availability
KYC Requirements
StandardEmail ID
Required
Phone Number
Required
Government ID
Required
Home Address
Required
Bank Statements
Not Required
Supported Countries of Residence
Available
Not available
36
countries
View country list (36 countries)
AndorraAustriaBelgiumBulgariaCroatiaCyprusCzechia (Czech Republic)DenmarkEstoniaEuropean UnionFinlandFranceGermanyGreeceHungaryIcelandIrelandItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaMontenegroNetherlandsNorth MacedoniaNorwayPolandPortugalRomaniaSan MarinoSlovakiaSloveniaSpainSwedenSwitzerland
Countries where cardholders can reside to be eligible for this card
Serviceable Coverage Countries
Available
Not available
188
countries
View country list (188 countries)
AfghanistanAlbaniaAlgeriaAndorraAngolaAntigua and BarbudaArgentinaArmeniaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelgiumBelizeBeninBhutanBoliviaBosnia and HerzegovinaBotswanaBrazilBruneiBulgariaBurkina FasoBurundiCabo VerdeCambodiaCameroonCanadaCentral African RepublicChadChileChinaColombiaComorosCongoCosta RicaCroatiaCyprusCzechia (Czech Republic)Democratic Republic of the CongoDenmarkDjiboutiDominicaDominican RepublicEast TimorEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEswatiniEthiopiaEuropean UnionFijiFinlandFranceGabonGambiaGeorgiaGermanyGhanaGreeceGrenadaGuatemalaGuineaGuinea-BissauGuyanaHaitiHoly SeeHondurasHungaryIcelandIndiaIndonesiaIraqIrelandIsraelItalyIvory CoastJamaicaJapanJordanKazakhstanKenyaKiribatiKuwaitKyrgyzstanLaosLatviaLebanonLesothoLiberiaLibyaLiechtensteinLithuaniaLuxembourgMadagascarMalawiMalaysiaMaldivesMaliMaltaMarshall IslandsMauritaniaMauritiusMexicoMicronesiaMoldovaMonacoMongoliaMontenegroMoroccoMozambiqueNamibiaNauruNepalNetherlandsNew ZealandNicaraguaNigerNigeriaNorth MacedoniaNorwayOmanPakistanPalauPalestine StatePanamaPapua New GuineaParaguayPeruPhilippinesPolandPortugalQatarRomaniaRwandaSaint Kitts and NevisSaint LuciaSaint Vincent and the GrenadinesSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth KoreaSouth SudanSpainSri LankaSurinameSwedenSwitzerlandTaiwanTajikistanTanzaniaThailandTogoTongaTrinidad and TobagoTunisiaTurkeyTurkmenistanTuvaluUAEUgandaUkraineUnited KingdomUnited StatesUruguayUzbekistanVanuatuVietnamYemenZambiaZimbabwe
Countries where the card can be used for transactions
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Community
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Visit CommunityQuick Answers
Frequently asked questions about Brighty Card
Direct answers to the questions people ask most before they compare or apply for this card.
What rewards does Brighty Card offer?
Brighty Card offers up to 1.75% cashback, rewards are paid in USDC, reward caps can reach $20/mo (One); $60/mo (Plus); $100/mo (Pro).
What fees does Brighty Card charge?
Key charges include fee model: Forever Free, FX fee: 2% (card transactions); In-app exchange: 0.4%–0.6% markup after free limit, ATM fee: One: No ATM; Plus: EEA €3.50/withdrawal, Non-EEA €3.50+3.5%; Pro: EEA €3.00, Non-EEA €3.00+3%, inactivity fee: €5/month after 2 months of inactivity following account termination.
Where is Brighty Card available?
Brighty Card is available in Afghanistan, Albania, and Algeria, plus 185 more markets, current status: Live.
Which assets can you spend with Brighty Card?
Brighty Card supports BTC, ETH, ADA, XTZ, and USDT, plus 5 more assets for spending, supported chains include Multi-chain.
Brighty
Brighty is an EU-licensed fintech app that bridges traditional banking and cryptocurrency. It offers Visa debit cards linked to crypto and fiat accounts, multi-currency IBAN accounts, and earning vaults with up to 10% APY on stablecoins. Users can spend crypto at real FX rates worldwide, transfer funds via SEPA and SWIFT, and earn daily rewards on card balances.
Review the official legal details for Brighty Card on their website.
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