Brighty Card
Brighty · VISA debit
Brighty App AG is a Swiss fintech with Visa and Mastercard crypto cards + EUR/USD/GBP IBAN accounts + stablecoin wallet. A hybrid banking + crypto solution with full EEA availability and 3% cashback (across all categories). FINMA Switzerland + EU EMI partner.
NorriWire does not maintain an affiliate agreement with this issuer.
Cashback
3.0%
EUR
Monthly fee
Free
FX markup
0.70%
over ECB
Fees
| Issuance | Free |
| Monthly fee | Free |
| FX markup | 0.70% |
| Free ATM per month | €200 |
| ATM fee thereafter | 2.00% |
| Card replacement | €5.00 |
Features
- ✓Physical card
- ✓Virtual card
- ✓Contactless payments
- ✓Apple Pay
- ✓Google Pay
- ✓Support for 30+ crypto balances
Supported fiat currencies: EUR, USD, GBP
Pros
- ✓Multi-currency IBAN (EUR/USD/GBP) — rare combination
- ✓Visa + Mastercard options
- ✓3% cashback EUR (no staking)
- ✓Free — no issuance or monthly fees
- ✓Stablecoin wallet integrated
- ✓Apple Pay and Google Pay
- ✓Modern UX, mobile-first
- ✓€200 free ATM monthly
Cons
- ✗Swiss regulation — not EU MiCA, operates in EEA via partner
- ✗Not first choice for institutional clients
- ✗No LV/LT/EE language support
- ✗Limited crypto-asset selection (~30)
- ✗Smaller company — limited historical stability
- ✗3% cashback — not the highest in market
Full review
Brighty Card — Brighty App AG
Brighty App AG is a Swiss fintech offering Visa and Mastercard crypto cards, EUR/USD/GBP IBAN accounts, and a stablecoin wallet. It's a hybrid banking and crypto solution with full EEA availability and 3% cashback across all spending categories. Regulated by FINMA in Switzerland, with an EU EMI partner arrangement.
Licensing
FINMA (Switzerland) + EU partner EMI — Brighty App AG (registered in CH). MiCA compliance: partial or in transition.
Fees
| Service | Cost |
|---|---|
| Card issuance | €0 |
| Monthly fee | €0 |
| FX markup | 0.7% |
| Free ATM withdrawals | €200/month |
| ATM over limit | 2% |
| Card replacement | €5 |
Cashback
- Standard: 3% EUR
- Staking required: No
Features
- Physical card: ✓
- Virtual card: ✓
- Apple Pay: ✓
- Google Pay: ✓
- Supported fiat currencies: EUR, USD, GBP
- Crypto asset funding: 30+
Pros
- Multi-currency IBAN (EUR/USD/GBP) — a rare combination
- Both Visa and Mastercard options available
- 3% cashback in EUR (no staking required)
- Free to use — no issuance or monthly fees
- Integrated stablecoin wallet
- Apple Pay and Google Pay supported
- Modern, mobile-first UX
- €200 in free ATM withdrawals per month
Cons
- Swiss regulation — not EU MiCA, though it operates within the EEA via a partner
- Not the first choice for institutional clients
- No LV/LT/EE language support
- Limited crypto asset range (~30)
- Smaller company — limited track record for long-term stability
- 3% cashback — not the highest rate on the market
Summary
A strong option for Baltic and Nordic users looking for a hybrid banking and crypto solution with a multi-currency IBAN and the added reassurance of Swiss regulation. For active traders seeking access to a broader range of crypto assets, Crypto.com Visa or Wirex Visa may be better suited. Brighty is well positioned for multi-currency travellers and freelancers.