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Bringin Card vs Wise Card

Bringin Card

Crypto native

7.3
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Wise Card

E-money / FinTech

6.9
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Verdict

  • Bringin Card scores higher overall (7.3 vs 6.9 out of 10).
  • Bringin Card is clearly stronger on: FX & international.
  • Wise 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: FX & international

Wise Card is a good fit for

  • Frequent travellers

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

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBringin CardWise Card
Fees80100
Cashback & rewards–12
Availability100100
FX & international10083
Product features5670
Custody & security7075
Credit & financing3030
Limits & ATM–51
Transparency100100
Best for Cashbackn/a5.0
Best for Travel8.07.5
Best for DeFi Users6.3n/a
Best for High Spenders6.34.9
Best for Low Fees8.48.8
Best for Beginners7.78.1
Best E-Money Cardn/a8.4

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
Debit cardShow source

Network

VisaShow source
VisaConditions apply: tap or hover for detailsShow source

Visa in Ireland and the EEA; network depends on issuing country

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

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

Card issuer / program manager

Infrastructure by Lightspark Payments Europe AS (MiCA-authorized CASP)Show source
No data yet

Fees

Annual fee

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

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

No data yet

Monthly fee

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

Monthly payment; €37.69 when paid annually

FreeConditions apply: tap or hover for detailsShow source

No subscription required

Physical card fee

FreeShow source
€7Conditions apply: tap or hover for detailsShow source

Ireland page; one-time card order fee

Virtual card fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Ireland page

Replacement fee

No data yet
€4Conditions apply: tap or hover for detailsShow source

Ireland page; free if the card was expiring

FX fee

0%Show source
0.43%Conditions apply: tap or hover for detailsShow source

From; varies by currency pair; 0% when spending a currency you hold

Crypto conversion fee

1%Conditions apply: tap or hover for detailsShow source

Bitcoin to euro

No data yet

Top-up fee

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

Domestic bank transfer only; other payment methods have varying fees

ATM fee

No data yet
2.69%Conditions apply: tap or hover for detailsShow source

Eurozone-issued cards, above the free allowance; ATM operators may add fees

Free ATM allowance

No data yet
€250/monthConditions apply: tap or hover for detailsShow source

Eurozone-issued cards; no limit on the number of free withdrawals

Settlement fee

FreeShow source
No data yet

Other fees & markups

No data yet
Conversion fee when spending a currency not held in the account · Fee may apply to get or replace the card · ATM withdrawals free only up to a certain amountConditions apply: tap or hover for detailsShow source

Spending a currency you hold is free

Cashback & rewards

Base cashback

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

No cashback on card spending (owner research)

Cashback type

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

No cashback on card spending (owner research); Wise's 'balance cashback' is interest on the balance, recorded as interest

Interest on balance

No data yet
2.4%Conditions apply: tap or hover for detailsShow source

Balance cashback for EEA customers on USD balances (September 2026, annualised, variable); EUR 1.20%, GBP 2.20%; 30% Belgian withholding tax deducted; minimum balance applies

Minimum balance

No data yet
€101Conditions apply: tap or hover for detailsShow source

Held for the whole month to receive balance cashback, based on September 2026 rates (55 GBP, 51 USD)

Reward exclusions

No data yet
Account outside the EEA · Money held in Wise Assets (interest/stocks) · Negative or suspended account · Pre-tax cashback under 0.10 · Opted out of cashbackShow source

Credit & financing

Credit line

NoShow source
NoShow source

Spend own balance directly

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

Australia, Brazil, Canada, EEA, Japan, Malaysia, New Zealand, Philippines, Singapore, Switzerland, Thailand, United Kingdom, United StatesConditions apply: tap or hover for detailsShow source

Thailand only for accounts registered on or after 21 January 2026

Not available in

No data yet
Hong KongConditions apply: tap or hover for detailsShow source

Cards are blocked on moving to Hong Kong; no new card offered

Account / spend currencies

EUR · BTCShow source
EUR · GBP · USD · and many moreShow source

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

Personal euro vIBAN

YesConditions apply: tap or hover for detailsShow source

Personal accounts; business accounts may pay a one-time setup fee

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

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

No data yet
Wise Europe SA: authorised payment institution supervised by the National Bank of BelgiumConditions apply: tap or hover for detailsShow source

EU entity

Deposit protection

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

Funds safeguarded (cash at commercial banks and money market funds), not covered by the Belgian Deposit Guarantee Scheme; Assets investment feature has separate Estonian Guarantee Fund protection

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

Wise Card

  • Annual & monthly fees+0 EUR
  • FX costs−15 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+0 EUR
  • Net annual value-15 EUR

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

More Bringin Card comparisons

More Wise Card comparisons