Bringin Card vs SafePal Mastercard
Crypto native
Crypto native
Verdict
- Bringin Card scores higher overall (7.4 vs 6.5 out of 10).
- Bringin Card is clearly stronger on: FX & international.
- SafePal Mastercard 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
SafePal Mastercard is a good fit for
- Stablecoin holders
Stronger on: Fees, Product features
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
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.
Score by criterion
| Criterion | Bringin Card | SafePal Mastercard |
|---|---|---|
| Fees | 80 | 100 |
| Cashback & rewards | – | – |
| Availability | 100 | – |
| FX & international | 100 | 60 |
| Product features | 56 | 70 |
| Custody & security | 85 | – |
| Credit & financing | 30 | 30 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Travel | 8.0 | 6.6 |
| Best for DeFi Users | 6.8 | 6.0 |
| Best for Stablecoins | n/a | 7.2 |
| Best for High Spenders | 6.3 | 6.1 |
| Best for Low Fees | 8.4 | 8.3 |
| Best for Beginners | 7.9 | 7.5 |
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
MastercardShow 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
Card issuer / program manager
Infrastructure by Lightspark Payments Europe AS (MiCA-authorized CASP)Show source
Fiat24 (Swiss IBAN account and fiat gateway; compliance and licensing)Conditions apply: tap or hover for detailsShow source
Offered in collaboration with SafePal; the page does not name the card issuer separately
Fees
Annual fee
€37.69/yearConditions apply: tap or hover for detailsShow source
Paid annually (10% discount); otherwise €3.49 a month
FreeShow source
Monthly fee
€3.49/monthConditions apply: tap or hover for detailsShow source
Monthly payment; €37.69 when paid annually
FreeShow source
Physical card fee
FreeShow source
Virtual card fee
FreeShow source
FX fee
0%Show source
1%Conditions apply: tap or hover for detailsShow source
Card payments settled in non-USD currencies
Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Bitcoin to euro
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
Standard deposit/top-up fee; crypto swaps carry a spread and gas fees
Transfer fee
FreeConditions apply: tap or hover for detailsShow source
Transfers to external banks; other banks may charge
Settlement fee
FreeShow source
Other fees & markups
Refund processing fee 1 USD / 1 EUR / 1 CHF / 7 CNH per refund, depending on payment currency · Gas fees on blockchain transactionsConditions apply: tap or hover for detailsShow source
Gas fees: the page states all financial transactions are conducted on the blockchain, which will result in gas fees
Credit & financing
Credit line
NoShow source
NoShow source
Availability
Available in
EEAConditions apply: tap or hover for detailsShow source
Anyone 18+ with a valid ID from an EEA country
Account / spend currencies
EUR · BTCShow source
USD · EUR · CHF · CNHShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Personal euro vIBAN
YesConditions apply: tap or hover for detailsShow source
Swiss IBAN via Fiat24
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
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Crypto is topped up as USDC
Spendable assets
BTC (on-chain and Lightning) · EURShow source
Blockchains
Bitcoin · Lightning NetworkShow source
ArbitrumShow source
Limits
ATM limit
€350Conditions apply: tap or hover for detailsShow source
Per day; €3,000 a month
Spending limit
€10,000Conditions apply: tap or hover for detailsShow source
Per day, standard KYC level; €15,000 a month
€5,000Conditions apply: tap or hover for detailsShow source
Per day; contactless 1,600 EUR per day
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
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
SafePal Mastercard
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers