Bringin Card vs Tangem Pay
Crypto native
Crypto native
Verdict
- Bringin Card scores higher overall (7.4 vs 4.8 out of 10).
- Bringin Card is clearly stronger on: Availability, FX & international, Transparency.
- Tangem Pay is clearly stronger on: 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: Availability, FX & international, Transparency
Tangem Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: 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 | Tangem Pay |
|---|---|---|
| Fees | 80 | 79 |
| Cashback & rewards | – | 30 |
| Availability | 100 | 3 |
| FX & international | 100 | 40 |
| Product features | 56 | 70 |
| Custody & security | 85 | 80 |
| Credit & financing | 30 | 30 |
| Limits & ATM | – | 20 |
| Transparency | 100 | 86 |
| Best for Cashback | n/a | 4.2 |
| Best for Travel | 8.0 | 4.3 |
| Best for Self-Custody | n/a | 6.8 |
| Best for DeFi Users | 6.8 | 6.0 |
| Best for Stablecoins | n/a | 6.1 |
| Best for High Spenders | 6.3 | 4.2 |
| Best for Low Fees | 8.4 | 6.2 |
| Best for Beginners | 7.9 | 6.2 |
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
Stablecoin cardConditions apply: tap or hover for detailsShow source
Funded with USDC loaded in advance; no credit line
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
Card issued by Rain (Visa Principal Member); service provided by Paera LLCShow source
Tiers / plans
Basic (free) · Plus ($29.99/month) · Prestige ($999/year, coming soon)Conditions apply: tap or hover for detailsShow source
Plus free with $4,500 monthly spend or $65,000 in Yield Mode; Prestige coming soon
Fees
Annual fee
€37.69/yearConditions apply: tap or hover for detailsShow source
Paid annually (10% discount); otherwise €3.49 a month
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
Basic tier; Plus $29.99/month
Physical card fee
FreeShow source
Virtual card fee
FreeShow source
FreeConditions apply: tap or hover for detailsShow source
Basic tier
Replacement fee
$5Conditions apply: tap or hover for detailsShow source
Virtual card replacement/additional card $5; plastic: delivery fee only (Basic and Plus); Prestige $0
FX fee
0%Show source
1.5%Conditions apply: tap or hover for detailsShow source
Up to; Tangem pages show 1% and 1.5%
Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Bitcoin to euro
Top-up fee
$1Conditions apply: tap or hover for detailsShow source
Bank top-up via ACH (free on Plus); FedWire $11 (comparison table says $10); crypto top-ups incur network fees
ATM fee
4%Conditions apply: tap or hover for detailsShow source
Basic tier; 2% on Plus
Settlement fee
FreeShow source
Other fees & markups
Polygon gas fee on top-up (paid to the network) · Visa foreign-exchange fee on non-USD purchasesShow source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Basic tier; minimum $30 per transaction; monthly cap applies
Max cashback
4%Conditions apply: tap or hover for detailsShow source
Prestige tier ($999/year, coming soon); Plus 2%
Cashback paid in
USDCShow source
Cashback type
StablecoinShow source
Cashback-eligible spend cap
$10,000/monthConditions apply: tap or hover for detailsShow source
Basic tier, per month; Plus $15,000
Max cashback per month
$100/monthConditions apply: tap or hover for detailsShow source
Basic tier; Plus $300, Prestige $1000
Cashback conditions
Minimum transaction amount of $30 · Credited in USDC at the end of each billing cycleShow source
Reward exclusions
In-store purchases (incl. tap-to-pay) at EU and UK merchants · Excluded merchant category codes listed in the cashback termsShow source
Credit & financing
Credit line
NoShow source
NoShow source
Credit type
NoneShow source
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
Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)
Account / spend currencies
EUR · BTCShow source
USDShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Personal euro vIBAN
YesConditions apply: tap or hover for detailsShow source
US routing and account number (ACH/FedWire), not an IBAN
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
YesConditions apply: tap or hover for detailsShow source
Page elsewhere mentions up to three virtual cards
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
YesConditions apply: tap or hover for detailsShow source
Contactless ATMs only, via Apple Pay or Google Pay
Spend stablecoins
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Basic (free) has no free visits (paid); Plus 2 and Prestige 8 free visits/year, marked coming soon. Only Plus and Prestige tiers.
Travel / rental car insurance
NoConditions apply: tap or hover for detailsShow source
Auto rental insurance only on Plus and Prestige; Basic is 'Not Insured'.
Purchase protection
NoConditions apply: tap or hover for detailsShow source
Purchase protection and extended warranty only on Plus and Prestige; Basic is 'No'.
Spendable assets
BTC (on-chain and Lightning) · EURShow source
USDC · USDTShow source
Blockchains
Bitcoin · Lightning NetworkShow source
Polygon · Base · BNB Smart Chain · ArbitrumShow source
Limits
ATM limit
€350Conditions apply: tap or hover for detailsShow source
Per day; €3,000 a month
$250Conditions apply: tap or hover for detailsShow source
Per transaction; up to 3 withdrawals per 24 hours
Spending limit
€10,000Conditions apply: tap or hover for detailsShow source
Per day, standard KYC level; €15,000 a month
$10,000Conditions apply: tap or hover for detailsShow source
Per day, Basic tier; Plus $50,000, Prestige $100,000
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
Tangem Pay
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−48 EUR
- Cashback+180 EUR
- Net annual value78 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers