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Bringin Card vs KOSH Global Card

Bringin Card

Crypto native

7.4
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KOSH Global Card

Crypto native

7.3
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Verdict

  • Bringin Card scores higher overall (7.4 vs 7.3 out of 10).
  • Bringin Card is clearly stronger on: FX & international.
  • KOSH Global Card is clearly stronger on: Fees, Product features, Credit & financing.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bringin Card is a good fit for

  • Frequent travellers

Stronger on: FX & international

KOSH Global Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card

Stronger on: Fees, Product features, Credit & financing

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesBringin Card vs ether.fi CashKOSH Global Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBringin CardKOSH Global Card
Fees8096
Cashback & rewards–49
Availability100100
FX & international10020
Product features5670
Custody & security8580
Credit & financing3075
Limits & ATM–71
Transparency100100
Best for Cashbackn/a6.6
Best for Travel8.05.9
Best for Self-Custodyn/a7.2
Best for DeFi Users6.87.3
Best for Stablecoinsn/a6.7
Best for High Spenders6.36.0
Best for Low Fees8.47.4
Best for Beginners7.98.5
Best Crypto Credit Cardn/a7.7

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
Crypto-backed creditShow source

Network

VisaShow source
VisaShow source

Custody model

HybridConditions apply: tap or hover for detailsShow source

Bitcoin stays in the user's own wallet; euros are held in the card's vIBAN

Self-custodyShow source

Card issuer / program manager

Infrastructure by Lightspark Payments Europe AS (MiCA-authorized CASP)Show source
Third National (issuer); Piers Technology Inc. (KOSH, technology provider)Show source

Fees

Annual fee

€37.69/yearConditions apply: tap or hover for detailsShow source

Paid annually (10% discount); otherwise €3.49 a month

$10/yearShow source

Monthly fee

€3.49/monthConditions apply: tap or hover for detailsShow source

Monthly payment; €37.69 when paid annually

FreeShow source

Physical card fee

FreeShow source
$100Conditions apply: tap or hover for detailsShow source

Fee table accurate as of September 1, 2025

Virtual card fee

FreeShow source
$10Show source

FX fee

0%Show source
2%Conditions apply: tap or hover for detailsShow source

Plus US $0.30 per international transaction; product page advertises 1.5% FX

Crypto conversion fee

1%Conditions apply: tap or hover for detailsShow source

Bitcoin to euro

No data yet

ATM fee

No data yet
$1 + 1%Conditions apply: tap or hover for detailsShow source

Plus FX if applicable; $1 balance enquiry and $1 decline fees

Settlement fee

FreeShow source
No data yet

Other fees & markups

No data yet
International transaction fee US $0.30 + 2% FX · ATM balance enquiry US $1 · ATM decline US $1 · Copying fee US $10 · Late payment US $30 first, US $40 subsequentShow source

Cashback & rewards

Base cashback

No data yet
1%Conditions apply: tap or hover for detailsShow source

Derived: 1 point per $1 spent, 100 points = $1 redemption value; points not cash

Max cashback

No data yet
5%Conditions apply: tap or hover for detailsShow source

Hotel bookings only; rates subject to rewards program terms

Cashback type

No data yet
PointsShow source

Interest on balance

No data yet
6%Conditions apply: tap or hover for detailsShow source

Page states 4 to 6% here but "up to 4%" in footer; savings product, not card

Cashback conditions

No data yet
Multipliers apply only up to a monthly points-eligible spend limit shown in app · Cashback credited as KOSH Rewards, must be claimed to card above a minimum · Rewards reversed on refunds/chargebacksShow source

Reward expiry / vesting

No data yet
Points: no general expiry while account open; campaign points/KOSH Rewards may expire per campaign; all rewards forfeited on account closureShow source

Reward exclusions

No data yet
Transactions made primarily to generate rewards · Manufactured spend, circular transactionsShow source

Credit & financing

Credit line

NoShow source
YesShow source

Credit type

No data yet
Crypto-backed creditShow source

Max loan-to-value

No data yet
100%Conditions apply: tap or hover for detailsShow source

Spending limit equals collateral market value (1:1)

Interest (APR)

No data yet
0%Conditions apply: tap or hover for detailsShow source

Issuer reserves right to introduce interest in the future

Grace period

No data yet
Liquidation if payment not made within one calendar day; issuer may allow extra graceShow source

Liquidation risk

No data yet
YesShow source

Availability

Available in

EEAConditions apply: tap or hover for detailsShow source

Anyone 18+ with a valid ID from an EEA country

GlobalConditions apply: tap or hover for detailsShow source

Used in 90+ countries

Not available in

No data yet
United StatesConditions apply: tap or hover for detailsShow source

International terms for non-US persons; separate US terms exist

Account / spend currencies

EUR · BTCShow source
USDShow source

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

Personal euro vIBAN

YesConditions apply: tap or hover for detailsShow source

Virtual USD, EUR, GBP, AED and SWIFT accounts

Features

Apple Pay

NoConditions apply: tap or hover for detailsShow source

Only through the Curve app; direct support planned

YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
No data yet

Spend stablecoins

No data yet
YesConditions apply: tap or hover for detailsShow source

USDC and USDT balance

Spendable assets

BTC (on-chain and Lightning) · EURShow source
USD · USDCConditions apply: tap or hover for detailsShow source

Card collateralized by KOSH USD balance; USDC can be added

Blockchains

Bitcoin · Lightning NetworkShow source
Ethereum · Polygon · Optimism · ArbitrumShow source

Limits

ATM limit

€350Conditions apply: tap or hover for detailsShow source

Per day; €3,000 a month

No data yet

Spending limit

€10,000Conditions apply: tap or hover for detailsShow source

Per day, standard KYC level; €15,000 a month

No data yet

Security & custody

Regulation / licences

MiCA (CASP authorization of infrastructure provider Lightspark Payments Europe AS)Conditions apply: tap or hover for detailsShow source

Authorization is held by the infrastructure provider, not by Bringin itself

No data yet

Annual cost at 1,500 EUR/month

Bringin Card

  • Annual & monthly fees−80 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • Per-transaction fees+0 EUR
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

KOSH Global Card

  • Annual & monthly fees−9 EUR
  • FX costs−72 EUR
  • Crypto conversion–
  • ATM costs−23 EUR
  • Cashback+180 EUR
  • Net annual value76 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Bringin Card comparisons

More KOSH Global Card comparisons