Brighty Card vs Lumo Card
Crypto native
Crypto native
Verdict
- Brighty Card and Lumo Card have the same overall score (6.8/10).
- Brighty Card is clearly stronger on: Fees, FX & international.
- 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: Fees, FX & international
Lumo Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
★ 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 | Lumo Card |
|---|---|---|
| Fees | 99 | 77 |
| Cashback & rewards | – | – |
| Availability | – | 100 |
| FX & international | 76 | 30 |
| Product features | 70 | 70 |
| Custody & security | 75 | 80 |
| Credit & financing | 30 | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Travel | 7.1 | 5.7 |
| Best for Self-Custody | n/a | 7.0 |
| Best for DeFi Users | 6.8 | 6.7 |
| Best for Stablecoins | 7.8 | 6.4 |
| Best for High Spenders | 6.3 | n/a |
| Best for Low Fees | 8.6 | 6.5 |
| Best for Beginners | 7.7 | 8.1 |
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
Debit cardShow source
Network
MastercardShow source
VisaConditions apply: tap or hover for detailsShow source
Both Basic (Visa Platinum) and Pro (Visa Corporate)
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Custody by licensed partners, secured with Fireblocks
Self-custodyShow source
Launch date
2026-07-01Conditions apply: tap or hover for detailsShow source
Wallet launch date, not necessarily card
Card issuer / program manager
BTY Digital AG with licensed partnersShow source
Wirex (Lumo Basic card)Show source
Tiers / plans
One · Plus · ProShow source
Lumo Basic · Lumo ProShow source
Fees
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Lumo Basic card (base tier); Pro also none
Virtual card fee
€2.99Conditions apply: tap or hover for detailsShow source
issue fee, all plans; monthly service fee free
FreeConditions apply: tap or hover for detailsShow source
Lumo Basic card (base tier); Basic is a virtual Visa Platinum card; Pro card issuance $3.99 one-time
Replacement fee
FreeConditions apply: tap or hover for detailsShow source
Lumo Basic card (base tier); Pro: new card, issuance fee applies
FX fee
0.6%Conditions apply: tap or hover for detailsShow source
One plan; Plus 0.5% above €2000/month free, Pro 0.4% above €5000/month free
1.75%Conditions apply: tap or hover for detailsShow source
Basic card: 1% plus 0.75% Lumo margin
Crypto conversion fee
0.4%Conditions apply: tap or hover for detailsShow source
Wallet swap fee; card spend conversion fee not separately stated
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
1.5%Conditions apply: tap or hover for detailsShow source
Lumo Basic card (base tier); Pro card 1%
Crypto withdrawal fee
€3Conditions apply: tap or hover for detailsShow source
ERC20/TRC20/TON/Solana/Polygon/BEP20/Arbitrum €3; Bitcoin €20; ADA/XTZ/HAQQ €1
Transfer fee
€3 + 0.3% (min. €10)Conditions apply: tap or hover for detailsShow source
outgoing SEPA/Faster Payments, One plan; Plus/Pro €0.5+0.3%; incoming SEPA 0.3% or €10 minimum
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
Basic card inactivity fee $4.99 per month after 28 days with no purchase or top-up · Pro card inactivity fee $2.99 per month per card after 28 days without use · Pro card: purchase processing fee $0.25 per purchase, 0.2% Apple Pay/Google Pay fee, 1.1% cross-border fee, 2% refund fee, card verification fee $0.10 US / $0.50 non-US merchant, 1.1% currency conversion fee on non-USD purchases · Minimum top-up $1.00Show source
Cashback & rewards
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
Cashback type
StablecoinConditions apply: tap or hover for detailsShow source
Cashback balance redeemable in supported stablecoins such as USDC
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
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
Argentina, Australia, Austria, Belgium, Brazil, Bulgaria, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hong Kong, Hungary, Iceland, Ireland, Italy, Latvia, Luxembourg, Malta, Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, TW, United Kingdom, United StatesConditions apply: tap or hover for detailsShow source
Lumo Basic card, 36 countries; Pro card available in 181 countries (not listed here); availability decided by issuer verification
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
USD · EURConditions apply: tap or hover for detailsShow source
Lumo Basic card (base tier): USD and EUR balances in card account
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
Where supported
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
Where supported
Physical card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Lumo Basic card
Virtual card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Lumo Basic card (base tier)
Spend stablecoins
YesShow source
YesConditions apply: tap or hover for detailsShow source
Basic card spends from stablecoin balance (USDC, USDT, EURC)
Spendable assets
USDC · USDT · EURC · ETHConditions apply: tap or hover for detailsShow source
Lumo Basic card (base tier): supported top-up assets on Base; Pro: USDT, BNB, ETH, BTC, SOL
Blockchains
BaseConditions apply: tap or hover for detailsShow source
Lumo Basic card (base tier) top-up chain; Pro card also Tron, BNB Smart Chain, Ethereum, Bitcoin, Solana
Limits
Spending limit
€50,000Conditions apply: tap or hover for detailsShow source
virtual card, One plan; Plus €75,000, Pro €100,000
$30,000Conditions apply: tap or hover for detailsShow source
Lumo Basic card (base tier): monthly spend limit, per card; Pro card daily limit $20,000
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
Annual cost at 1,500 EUR/month
Brighty Card
- Annual & monthly feesunknown
- FX costs−22 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Lumo Card
- Annual & monthly fees+0 EUR
- FX costs−63 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers