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Bringin Card vs Phantom Cash Card

Bringin Card

Crypto native

7.4
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Phantom Cash Card

Crypto native

3.6
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Verdict

  • Bringin Card scores higher overall (7.4 vs 3.6 out of 10).
  • Bringin Card is clearly stronger on: Availability.
  • 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: Availability

Phantom Cash Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders

★ 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 CashPhantom Cash Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBringin CardPhantom Cash Card
Fees80–
Cashback & rewards–0
Availability1003
FX & international100–
Product features5647
Custody & security8580
Credit & financing3030
Limits & ATM–20
Transparency100100
Best for Cashbackn/a2.3
Best for Travel8.03.8
Best for Self-Custodyn/a5.8
Best for DeFi Users6.84.8
Best for Stablecoinsn/a4.9
Best for High Spenders6.32.7
Best for Low Fees8.4n/a
Best for Beginners7.95.0

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 card, Stablecoin cardConditions apply: tap or hover for detailsShow source

Debit card linked to the CASH stablecoin balance of the Phantom Cash account

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
StripeConditions apply: tap or hover for detailsShow source

Replacement cards and cards activated after 2026-10-05 are Stripe-issued; cards activated before 2026-10-05 without a replacement are Bridge-issued (disputes via Galileo)

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

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

Cashback type

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

No purchase cashback; Phantom pays variable Cash Rewards on the balance (rate shown in the app)

Cashback conditions

No data yet
Cash Rewards on CASH balances: variable APY set by Phantom, paid weekly, no lock-up · Rewards pause at $1,500 per tax year until tax details are provided · Cash Rewards not available in the US or US-sanctioned jurisdictionsConditions apply: tap or hover for detailsShow source

Cash Rewards is a balance reward funded by Phantom, not purchase cashback; rate shown in the app as APY, paid weekly in CASH, no minimum balance, no lock-ups; rewards pause once total Phantom rewards reach $1,500 in a tax year until US-person status is confirmed or identity verified; not available in the US, where the card is offered

Credit & financing

Credit line

NoShow source
NoShow source

Spend own balance directly

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

Spends the Cash account balance; the account must be funded before paying

Availability

Available in

EEAConditions apply: tap or hover for detailsShow source

Anyone 18+ with a valid ID from an EEA country

United StatesConditions apply: tap or hover for detailsShow source

Except New York; identity verification required for the card

Account / spend currencies

EUR · BTCShow source
USDConditions apply: tap or hover for detailsShow source

CASH balance is converted to USD when paying; merchant is paid in USD

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
NoShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
NoConditions apply: tap or hover for detailsShow source

ATM withdrawals and cash advances are unsupported merchant categories and are declined

Spend stablecoins

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

Spends CASH; USDC, USDT and PYUSD on Solana are swapped into CASH

Spendable assets

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

Cash account balance (CASH), converted to USD at payment

Blockchains

Bitcoin · Lightning NetworkShow source
SolanaShow 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

$2,000Conditions apply: tap or hover for detailsShow source

Per day; automatic review for $5,000 after 30 days

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

Phantom Cash Card

  • Annual & monthly feesunknown
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+0 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 Phantom Cash Card comparisons