Brighty is a solid crypto-fiat neobank for EU residents who want IBAN accounts, a Visa debit card and yield on crypto holdings in a single custodial app. The Earning Vaults (up to 10% APY, no lockup) are the standout feature. The card itself is decent but unexceptional: 0.5% cashback on the free tier capped at $20/month, up to 1.75% on Pro, with dynamic bonus categories that reward heavier spenders. The custodial model, modest cashback, and no free ATM withdrawals hold it back against the best crypto cards in Europe.
The Brighty Card is a debit visa card linked to your Brighty account. You can spend stablecoins directly. Top up via bank_transfer, crypto, then spend anywhere visa is accepted. Earn 0.5% base cashback on all purchases, capped at $20 per month. cashback on purchases.
Showing fees for One tier.
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Monthly Fee | $0 |
| Conversion Fee | Crypto-to-fiat conversion at ~1% all-in (conversion fee + spread). Exact fee schedule varies — check app for current rates. |
| Foreign Exchange Fee | FX fees from 0.3% on crypto-to-fiat. Fee-free currency exchange up to a limited monthly amount. |
| Top-up Fee | Free fiat deposits via SEPA, Faster Payments and FedWire. Crypto deposits free (blockchain gas applies). |
| ATM Free Limit | $0/mo |
| ATM Fee After Limit | No free ATM withdrawals. Fees reported at ~6.2% of a €200 withdrawal (includes conversion + ATM fees). |
Note: Conversion at market rate with a small spread. Total all-in cost reported at ~1% by independent reviews.
Earn 0.5% base cashback on all purchases, capped at $20 per month. cashback on purchases. Rewards paid in EUR. Monthly cap: $20/month cap..
Earning Vaults: up to 10% APY on USDC, EURC, ETH, ADA, XTZ. No lockup, daily compounding, free withdrawals.
This tier is free to access — no staking, deposits, or spending requirements.
Free plan. Virtual Visa card included. Physical card available. Basic crypto exchange and yield access.
✓ Two-factor authentication. ✓ Instant card freeze. ✓ Biometric authentication. Custody model: custodial.
Insurance: Fireblocks custody with $250M insurance coverage on stored assets.
Licenses: Brighty Digital UAB licensed as Virtual Asset Service Provider (VASP) under Lithuanian law., Fiat services provided by licensed third-party financial institutions (banking partners) under EU regulatory oversight.
Brighty Digital UAB is the regulated crypto entity. Fiat services (IBANs, payments) are provided by licensed banking partners — Brighty acts as a technology provider for fiat rails. Crypto assets are held in Fireblocks custody with $250M insurance. Proof-of-reserves published. Crypto services are not supervised by the Bank of Lithuania.
Top up your card with 14 cryptocurrencies. Fiat top-ups supported in EUR, GBP, USD.
Brighty is available to residents of EU and EEA countries. The company reports 250,000+ users across 50+ countries. Not available in the UK, US, or outside the EEA.
Brighty launches its tiered cashback program (0.5–1.75%) with dynamic bonus categories across all plans. Double cashback promo through Jan 18, 2026.
Source →Brighty launches as a crypto-fiat neobank for EU residents, offering IBAN accounts, Visa debit cards and Earning Vaults.
Source →Brighty is a solid crypto-fiat neobank for EU residents who want IBAN accounts, a Visa debit card and yield on crypto holdings in a single custodial app. The Earning Vaults (up to 10% APY, no lockup) are the standout feature. The card itself is decent but unexceptional: 0.5% cashback on the free tier capped at $20/month, up to 1.75% on Pro, with dynamic bonus categories that reward heavier spenders. The custodial model, modest cashback, and no free ATM withdrawals hold it back against the best crypto cards in Europe.
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