Brighty Card
Card of the Swiss Brighty app, which combines named IBANs in EUR, GBP and USD with custodial crypto and stablecoin wallets (Fireblocks). Free Brighty One plan plus paid Plus and Pro plans; cashback paid to a reward balance that can be redeemed in stablecoins such as USDC.
Base cashback
Max cashback
Base fee
FX fee
ATM fee
Card fee
Credit line
NoShow source
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- Apple Pay and Google Pay
- Spends stablecoins directly
Cons
No disadvantages derived from the published data yet.
Good for
- Stablecoin holders
Not for
- Users who insist on self-custody
Risks to understand
- Stablecoins can de-peg and are not covered by deposit protection.
- Custodial: your crypto is held by the provider — counterparty and insolvency risk.
★ Our pickEditorial choice · score unchanged · Affiliate link
The card we recommend as an alternative to Brighty Card:
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.
All details
Fees2/15
- 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
- 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
Not yet researched: Annual fee, Monthly fee, Physical card fee, Virtual card fee, Replacement fee, FX fee, Crypto conversion fee, Crypto withdrawal fee, ATM fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee.
Cashback & rewards5/14
- 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
Not yet researched: Base cashback, Max cashback, Interest on balance, Cashback-eligible spend cap, Max cashback per month, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance.
Credit & financing1/11
- Credit line
NoShow source
Not yet researched: Credit type, Collateral assets, Max loan-to-value, Interest (APR), Interest notes, Grace period, Repayment, Liquidation risk, Spend own balance directly, Spend by borrowing against collateral.
Supported countries & currencies2/4
- 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
Not yet researched: Available in, Not available in.
Features, wallets & supported assets3/11
- Apple Pay
YesConditions apply: tap or hover for detailsShow source
Stated as a footer link under Payments
- Google Pay
YesConditions apply: tap or hover for detailsShow source
Stated as a footer link under Payments
- Spend stablecoins
YesShow source
Not yet researched: Physical card, Virtual card, ATM withdrawals, Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets, Blockchains.
Security & custody1/3
- 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
Not yet researched: Deposit protection, Smart-contract risk.
Limits0/2
No limits data published or researched yet.
Product6/7
- Product status
ActiveShow source
- Card type
Debit cardShow source
- Network
MastercardShow source
- Custody model
CustodialConditions apply: tap or hover for detailsShow source
Custody by licensed partners, secured with Fireblocks
- Card issuer / program manager
BTY Digital AG with licensed partnersShow source
- Tiers / plans
Brighty One (free) · Brighty Plus · Brighty ProShow source
Not yet researched: Launch date.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Per-transaction costs ≈ 0.00% | 20% | 100 |
Cashback & rewards | 20% | No data — excluded |
Availability | 15% | No data — excluded |
FX & international | 10% | No data — excluded |
Product features 3 of 3 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 70 |
Custody & security Custody model: custodial · Regulated / protected (+15) | 10% | 75 |
Credit & financing No credit line | 5% | 30 |
Limits & ATM | 5% | No data — excluded |
Transparency 3 of 3 checked key terms disclosed | 5% | 100 |
Data coverage 50%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Is Brighty Card a credit card?
No. It is a debit card; you spend your own balance.
Is Brighty Card self-custodial?
Custodial (Custody by licensed partners, secured with Fireblocks).
Does Brighty Card work with Apple Pay and Google Pay?
Apple Pay: Yes. Google Pay: Yes.
Change history22 entries
- Regulation / licences not disclosed → ["BTY Digital AG affiliated with VQF, a Swiss self-regulatory organisation recognised by FINMA under the AMLA (membership no. 100917)"] · 25 October 2026 · approved
- Other fees & markups not disclosed → ["Cashback redemption may be subject to network, transaction or exchange fees and conversion costs"] · 25 October 2026 · approved
- Reward expiry / vesting not disclosed → "Cashback does not expire unless an expiry period is communicated in the app, programme rules or another durable communication" · 25 October 2026 · approved
- Reward exclusions not disclosed → ["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 transactions"] · 25 October 2026 · approved
- Cashback conditions ["Rates vary by merchant, category, country, plan and campaign and are shown in the app","Usually credited within 5 business days after settlement","No cashback on ATM and other cash withdrawals or excluded MCCs"] → ["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 limits"] · 25 October 2026 · approved
- Cashback paid in not disclosed → "Supported stablecoins (e.g. USDC)" · 25 October 2026 · approved
- Google Pay not disclosed → true · 25 October 2026 · approved
- Apple Pay not disclosed → true · 25 October 2026 · approved
- Top-up fee not disclosed → {"percent":0} · 25 October 2026 · approved
- Account / spend currencies ["EUR","GBP","USD","USDC","EURC","BTC","ETH"] → ["EUR","USD","GBP","USDC","EURC","ETH","BTC"] · 25 October 2026 · approved
- Account / spend currencies recorded · 22 October 2026 · auto-approved
- Product status recorded · 22 October 2026 · auto-approved
- Spend stablecoins recorded · 22 October 2026 · auto-approved
- Card type recorded · 22 October 2026 · auto-approved
- Network recorded · 22 October 2026 · auto-approved
- Custody model recorded · 22 October 2026 · auto-approved
- Card issuer / program manager recorded · 22 October 2026 · auto-approved
- Tiers / plans recorded · 22 October 2026 · auto-approved
- Cashback type recorded · 22 October 2026 · auto-approved
- Cashback conditions recorded · 22 October 2026 · auto-approved
- Credit line recorded · 22 October 2026 · auto-approved
- Own IBAN / bank details recorded · 22 October 2026 · auto-approved