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Bringin Card vs PENGU Card

Bringin Card

Crypto native

7.4
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PENGU 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: Custody & security.
  • PENGU Card is clearly stronger on: Fees, Product features.
  • 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: Custody & security

PENGU Card is a good fit for

  • No specific audience can be derived from the published data yet.

Stronger on: Fees, Product features

★ 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
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Review & sourcesBringin Card vs ether.fi CashPENGU Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBringin CardPENGU Card
Fees80100
Cashback & rewards–51
Availability100100
FX & international100–
Product features5670
Custody & security8560
Credit & financing30–
Limits & ATM––
Transparency100100
Best for Cashbackn/a6.7
Best for Travel8.06.7
Best for DeFi Users6.86.5
Best for High Spenders6.36.2
Best for Low Fees8.48.0
Best for Beginners7.98.4

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
Stablecoin cardShow 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

CustodialShow source

Card issuer / program manager

Infrastructure by Lightspark Payments Europe AS (MiCA-authorized CASP)Show source
KASTShow source

Fees

Annual fee

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

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

FreeConditions apply: tap or hover for detailsShow source

Free tier; $1,000/year and $10,000/year tiers

Monthly fee

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

Monthly payment; €37.69 when paid annually

No data yet

Physical card fee

FreeShow source
No data yet

Virtual card fee

FreeShow source
No data yet

FX fee

0%Show source
No data yet

Crypto conversion fee

1%Conditions apply: tap or hover for detailsShow source

Bitcoin to euro

No data yet

Settlement fee

FreeShow source
No data yet

Cashback & rewards

Base cashback

No data yet
1.5%Conditions apply: tap or hover for detailsShow source

Free tier

Max cashback

No data yet
3%Conditions apply: tap or hover for detailsShow source

$10,000/year tier

Interest on balance

No data yet
12%Conditions apply: tap or hover for detailsShow source

Up to; Reserve account, 8% on Free tier

Cashback-eligible spend cap

No data yet
$2,000/monthConditions apply: tap or hover for detailsShow source

Monthly eligible spend on the Free tier; $10,000 and $40,000 on higher tiers

Credit & financing

Credit line

NoShow source
No data yet

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

170+ countries

Account / spend currencies

EUR · BTCShow source
No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

Personal euro vIBAN

No data yet

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
YesShow source

Spendable assets

BTC (on-chain and Lightning) · EURShow source
No data yet

Blockchains

Bitcoin · Lightning NetworkShow source
No data yet

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

PENGU Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+270 EUR
  • Net annual valuenot enough data

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

More Bringin Card comparisons

More PENGU Card comparisons