Brighty Card vs Curve Pay
Crypto native
E-money / FinTech
Verdict
- Brighty Card scores higher overall (6.6 vs 6.0 out of 10).
- Brighty Card is clearly stronger on: Transparency.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Brighty Card is a good fit for
- Stablecoin holders
Stronger on: Transparency
Curve Pay is a good fit for
- No specific audience can be derived from the published data yet.
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Brighty Card | Curve Pay |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | – | 3 |
| Availability | – | 100 |
| FX & international | – | 0 |
| Product features | 70 | 70 |
| Custody & security | 75 | 75 |
| Credit & financing | 30 | – |
| Limits & ATM | – | 60 |
| Transparency | 100 | 86 |
| Best for Cashback | n/a | 4.1 |
| Best for Travel | n/a | 4.6 |
| Best for DeFi Users | 6.7 | n/a |
| Best for Stablecoins | 7.3 | n/a |
| Best for High Spenders | n/a | 3.5 |
| Best for Low Fees | 8.0 | 6.7 |
| Best for Beginners | 7.8 | 7.8 |
| Best E-Money Card | n/a | 6.4 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit cardShow source
Network
MastercardShow source
MastercardShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Custody by licensed partners, secured with Fireblocks
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Card issuer / program manager
BTY Digital AG with licensed partnersShow source
Curve UK Limited (UK) / Curve Europe UAB (EEA)Show source
Tiers / plans
Brighty One (free) · Brighty Plus · Brighty ProShow source
Curve Pay · Curve Pay X · Curve Pay Pro · Curve Pay Pro+Show source
Fees
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Curve Pay (free plan)
FX fee
2.99%Conditions apply: tap or hover for detailsShow source
Free plan above £250/month fee-free FX; paid plans £3,333–£100,000 fee-free
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
Deposits of EUR, GBP, USD or crypto via SEPA, Faster Payments and FedWire; page does not state fees for other top-up methods
ATM fee
2% (min. £2)Conditions apply: tap or hover for detailsShow source
No free allowance on the free plan; X £300, Pro £500, Pro+ £1,000 per month
Other fees & markups
Cashback redemption may be subject to network, transaction or exchange fees and conversion costsConditions apply: tap or hover for detailsShow source
Amounts not stated on this page; conditions are displayed in the app
+1.5% on weekend FX spending (free plan) · 1.5% per transaction on commercial cards · 2.9% when funding through an international payment card above the allowanceShow source
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
Free plan
Max cashback
1%Conditions apply: tap or hover for detailsShow source
Paid plans: on non-European/non-UK currency spend (X) or selected retailers (Pro/Pro+, capped £25/£50 per month)
Cashback paid in
Supported stablecoins (e.g. USDC)Conditions apply: tap or hover for detailsShow source
Redemption forms are displayed in the app and may also include other reward forms made available by BTY
Curve CashShow source
Cashback type
StablecoinConditions apply: tap or hover for detailsShow source
Cashback balance redeemable in supported stablecoins such as USDC
FiatShow source
Cashback conditions
Rates vary by merchant, merchant category, country, subscription plan, reward tier, campaign or promotional period and are shown in the app · Calculated on the final settled amount; cashback stays provisional until the transaction is settled · Most cashback credited within 5 business days after settlement; some merchants or schemes need up to 90 days or longer · Personal use only; not for business, commercial or bulk purchasing · Redemption may be subject to minimum thresholds and daily, monthly or other limitsShow source
1% on non-European/non-UK currency spend requires a premium plan (X, Pro or Pro+) · Pro: 1% at 6 chosen retailers up to £25/month; Pro+: 12 retailers up to £50/month · Brand offers up to 20%, usually one-time and activated in app, UK only (coming soon to EEA)Show source
Reward expiry / vesting
Cashback does not expire unless an expiry period is communicated in the app, programme rules or another durable communicationShow source
Reward exclusions
Card-to-card transfers · ATM and other cash withdrawals · Gambling and betting transactions · Money transfers · Wallet or account top-ups · Quasi-cash transactions · Financial services transactions · Tax and certain government payments · Cryptocurrency or digital asset purchases, unless expressly permitted · Excluded MCCs (financial & money services): 4829, 6010, 6011, 6012, 6050, 6051, 6211, 6300, 6513, 6529, 6530, 6532, 6533, 6536, 6537, 6538, 6540, 6760, 8999 · Excluded MCCs (gambling & betting): 7800, 7801, 7802, 7995 · Excluded MCCs (government & tax payments): 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9411 · Excluded MCC (utilities & essential services): 4900 · Excluded MCCs (retail & miscellaneous): 5734, 5947, 7349, 7372, 8062, 8398, 8651, 8661 · Transactions via Curve cards or equivalent pass-through, intermediary or wallet-routing services · Refunded, reversed, cancelled, disputed or charged-back transactionsConditions apply: tap or hover for detailsShow source
List is "without limitation"; BTY may update excluded categories or MCCs
Credit & financing
Credit line
NoShow source
Availability
Available in
United Kingdom, EEAShow source
Account / spend currencies
EUR · USD · GBP · USDC · EURC · ETH · BTCConditions apply: tap or hover for detailsShow source
Account/wallet currencies in the Brighty app; page adds 'and more' for both fiat and crypto
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Named IBANs for EUR, GBP and USD
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
Stated as a footer link under Payments
YesConditions apply: tap or hover for detailsShow source
Card can be added to Apple Pay for online payments; using Apple Pay for contactless may forfeit cashback and fee-free FX
Google Pay
YesConditions apply: tap or hover for detailsShow source
Stated as a footer link under Payments
YesConditions apply: tap or hover for detailsShow source
Card can be added to Google Pay; using Google Pay for contactless may forfeit cashback and fee-free FX
Physical card
YesShow source
Virtual card
YesConditions apply: tap or hover for detailsShow source
Curve Pay digital wallet (free plan); physical card free from Curve Pay X
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Fee-free foreign ATM withdrawals only on paid plans (X: up to £/€ 300)
Spend stablecoins
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Only Curve Pay Pro+ (paid plan); free Curve Pay does not list it
Security & custody
Regulation / licences
BTY Digital AG affiliated with VQF, a Swiss self-regulatory organisation recognised by FINMA under the AMLA (membership no. 100917)Conditions apply: tap or hover for detailsShow source
Applies to BTY Digital AG (Baar, Switzerland), operator of the Brighty Cashback Programme; the page footer says payment cards are provided by licensed partners
FCA-authorised e-money issuer (Curve UK Limited, UK) · Bank of Lithuania e-money licence No. 73 (Curve Europe UAB, EEA)Show source
Deposit protection
NoConditions apply: tap or hover for detailsShow source
Stated for UK customers and for funds on the Curve Cash card
Annual cost at 1,500 EUR/month
Brighty Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Curve Pay
- Annual & monthly fees+0 EUR
- FX costs−108 EUR
- Crypto conversion–
- ATM costs−29 EUR
- Cashback+0 EUR
- Net annual value-136 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers