savebackcards.com
DEEN

Brighty Card vs N26

Brighty Card

Crypto native

6.6
Get the card
N26

E-money / FinTech

6.2
Get the card

Verdict

  • Brighty Card scores higher overall (6.6 vs 6.2 out of 10).
  • Brighty Card is clearly stronger on: Fees.
  • 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

N26 is a good fit for

  • Frequent travellers

★ 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 & sourcesBrighty Card vs ether.fi CashN26 vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBrighty CardN26
Fees10082
Cashback & rewards–4
Availability–70
FX & international–100
Product features7070
Custody & security7575
Credit & financing3030
Limits & ATM–66
Transparency10093
Best for Cashbackn/a4.1
Best for Traveln/a7.6
Best for DeFi Users6.7n/a
Best for Stablecoins7.3n/a
Best for High Spendersn/a4.7
Best for Low Fees8.08.6
Best for Beginners7.87.1
Best E-Money Cardn/a8.2

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
MastercardShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Custody by licensed partners, secured with Fireblocks

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

Card issuer / program manager

BTY Digital AG with licensed partnersShow source
No data yet

Tiers / plans

Brighty One (free) · Brighty Plus · Brighty ProShow source
Standard · Smart · Go · MetalShow source

Fees

Monthly fee

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

Standard account

Physical card fee

No data yet
€10Conditions apply: tap or hover for detailsShow source

Standard plan; included in Smart, Go and Metal

Virtual card fee

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

First virtual card free on Standard

FX fee

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

Page lists worldwide card payments as free on all plans; exchange rate not stated on this page

Crypto conversion fee

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

N26 Crypto (Bitpanda) trading fee for Bitcoin; 2.5% for other coins, 3.5% for low-liquidity coins; N26 Metal 0.5% discount up to €5,000 order volume per month

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

No data yet

ATM fee

No data yet
1.7%Conditions apply: tap or hover for detailsShow source

Withdrawals outside the eurozone on Standard and Smart; free on Go and Metal. Euro withdrawals: 2 free per month on Standard (3 Smart, 5 Go, 8 Metal); fee beyond the quota not stated on this page

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

N26 Standard: one-off fee covering delivery of a physical debit card (amount not stated)Show source

Cashback & rewards

Base cashback

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

Standard: no cashback; Go and Metal get 1% travel cashback

Max cashback

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

Travel cashback on Go (9.90 €/month) and Metal (16.90 €/month) only

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

No data yet

Cashback type

StablecoinConditions apply: tap or hover for detailsShow source

Cashback balance redeemable in supported stablecoins such as USDC

No data yet

Interest on balance

No data yet
0.3%Conditions apply: tap or hover for detailsShow source

Tagesgeld (savings) on Standard, variable; Go 0.50%, Metal 1.50% p.a.

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
No data yet

Reward expiry / vesting

Cashback does not expire unless an expiry period is communicated in the app, programme rules or another durable communicationShow source
No data yet

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

No data yet

Credit & financing

Credit line

NoShow source
NoShow source

Credit type

No data yet
NoneShow source

Availability

Available in

No data yet
Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, SwitzerlandConditions apply: tap or hover for detailsShow source

21 countries listed: Austria, Belgium, Denmark, Estonia, Finland, France (not DOM/TOM), Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, Switzerland; residency and requirements apply

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

No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

Named IBANs for EUR, GBP and USD

YesShow source

Features

Apple Pay

YesConditions apply: tap or hover for detailsShow source

Stated as a footer link under Payments

YesShow source

Google Pay

YesConditions apply: tap or hover for detailsShow source

Stated as a footer link under Payments

YesShow source

Physical card

No data yet
YesShow source

Virtual card

No data yet
YesShow source

ATM withdrawals

No data yet
YesShow source

Spend stablecoins

YesShow source
No data yet

Airport lounge access

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

Standard: 33 € per visit; Go first visit 15 €, Metal first visit per year free

Travel / rental car insurance

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

Only Go and Metal plans (not Standard)

Purchase protection

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

Only Metal plan

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

German full banking licence (BaFin)Show source

Deposit protection

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

Up to €100,000

Annual cost at 1,500 EUR/month

Brighty Card

  • Annual & monthly feesunknown
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

N26

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−20 EUR
  • Cashback+0 EUR
  • Net annual value-20 EUR

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

More Brighty Card comparisons

More N26 comparisons