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  5. Brighty App Standard Card
Brighty App Standard Card
Brighty App Standard Card
ID Verification
Virtual Card Visa
6.1
Overall
Get This Card
Brighty App Standard Card logo

Brighty App Standard Card

by Brighty App

Get This Card

Brighty App offers a versatile CeDeFi platform that bridges traditional banking with digital assets, providing users with high-yield stablecoin vaults and zero-fee FX spending.

Pros

  • +High staking yields up to 10.41% APY
  • +0% Foreign Exchange fees on card payments
  • +Supports Apple Pay and Google Pay
  • +Free card issuance and no monthly fees
  • +Multi-chain support including Solana and Arbitrum

Cons

  • -Custodial funds management
  • -Primarily restricted to EU residents
  • -Mandatory identity verification (KYC)
  • -1.5% ATM withdrawal fee
6.1/10
OverallGood
6.9/10
Community ScoreBased on 124 sources
Lv 3
KYC LevelID Verification

Table of Contents

Compare Brighty App Cards

Brighty App Standard CardBrighty App Standard Card
Brighty App TON CardBrighty App TON Card
Rewards
Cashback
3%
10%
Cashback Crypto
USDC
TON
Staking Rewards
✓
✓
Staking APR
10.41%
10%
Welcome Bonus
—
—
Referral Bonus
$25
$25
Fees
Monthly Fee
Free
Free
Card Issuance
Free
Free
ATM Fee
1.5%
1.5%
FX Fee
Free
Free
Top-up Fee
Free
Free
Decline Fee
Free
Free
Limits
Daily Spend
Unlimited
Unlimited
Monthly Spend
$30,000
$30,000
ATM Withdrawal
$3,000
$3,000
Card Info
Card Type
Virtual Card, Physical Card
Virtual Card, Physical Card
Card Network
Visa
Visa
Apple Pay
✓
✓
Google Pay
✓
✓
Brighty App Standard CardBrighty App Standard Card
Brighty App TON CardBrighty App TON Card
Rewards
Cashback
Brighty App Standard Card3%
Brighty App TON Card10%
Cashback Crypto
Brighty App Standard CardUSDC
Brighty App TON CardTON
Staking Rewards
Brighty App Standard Card✓
Brighty App TON Card✓
Staking APR
Brighty App Standard Card10.41%
Brighty App TON Card10%
Welcome Bonus
Brighty App Standard Card—
Brighty App TON Card—
Referral Bonus
Brighty App Standard Card$25
Brighty App TON Card$25
Fees
Monthly Fee
Brighty App Standard CardFree
Brighty App TON CardFree
Card Issuance
Brighty App Standard CardFree
Brighty App TON CardFree
ATM Fee
Brighty App Standard Card1.5%
Brighty App TON Card1.5%
FX Fee
Brighty App Standard CardFree
Brighty App TON CardFree
Top-up Fee
Brighty App Standard CardFree
Brighty App TON CardFree
Decline Fee
Brighty App Standard CardFree
Brighty App TON CardFree
Limits
Daily Spend
Brighty App Standard CardUnlimited
Brighty App TON CardUnlimited
Monthly Spend
Brighty App Standard Card$30,000
Brighty App TON Card$30,000
ATM Withdrawal
Brighty App Standard Card$3,000
Brighty App TON Card$3,000
Card Info
Card Type
Brighty App Standard CardVirtual Card, Physical Card
Brighty App TON CardVirtual Card, Physical Card
Card Network
Brighty App Standard CardVisa
Brighty App TON CardVisa
Apple Pay
Brighty App Standard Card✓
Brighty App TON Card✓
Google Pay
Brighty App Standard Card✓
Brighty App TON Card✓

KYC Requirements

Level: ID Verification
Email Verification
Required
Phone Verification
Required
Identity Document
Required
Proof of Address
Not Required
Selfie Verification
Not Required

Community Score

6.9/10
Sourced from
@krts23“My experience moving part of my savings into USDC for the yield 0.6%. That was what my savings account was paying while inflation did what it's been doing, and after a while watching the balance quietly shrink in real terms got old enough that I did something about it. Started small, around 15% of what I had. Enough to matter, not enough to ruin me if it went sideways. Supplied it to [Aave](https://aave.com/) because everything else seemed to route there anyway and I'd rather deal with the source than a wrapper. Rate was about 4.5% when I put it in. That was 14 months ago. First thing I lea”@krts23“Compared 4 crypto-fiat apps for everyday banking in Europe, here's what I found Spent the last few weeks actually testing apps that let you hold crypto and fiat in one place with a real IBAN and card.  Here's the honest breakdown:   [Revolut](https://www.revolut.com/) The obvious one. Works everywhere, great UI, but crypto features are limited — you can't send to external wallets without a paid plan. More of a bank that added crypto than the other way around.   [Wirex](https://www.wirexapp.com/) Been around longest. Card works well, decent rates. Rewards system is confusing and the app”@mezoantropo Z“Card is not working. Deposit and withdrawal takes 2-3 days. Not usable.”@Daniel Rosenqvist“Stay away from this company. Crypto transfers were instant for me few days ago, but now suddenly they're "pending" for hours without any updates and customer support is completely silent. You'd expect a "bank" to process transactions fast in Europe. Especially crypto transactions that come from known wallets. The fact it's been 13+ hours without any response from support and my money hasn't even been credited yet is fishy. Not even the previous refund has been sent to my other crypto wallet. Update 1: After waiting for almost 40 hours I finally received my funds. Customer support is comple”@--“doesn't support all SEPA countries”@Filipe“Immediate transfers can take hours to be credited. Otherwise excellent. Nice cashback (0.5%, occasionally 1%). Update (03/29/2026): Ordered something on Amazon.es. Paid with Brighty. Payment refused due to "insufficient funds" despite having enough funds. Topped up my account. Paid. They used PLN instead of EUR and charged €1.4 "card payment international fee". Immediatelly cancelled the order. They charged another €1.38 "card payment international fee". Update (04/07/2026): Couldn't pre-order something because my Visa card didn't work. Had to wait ~48 hours for resolution. Brighty admitted”@Leonid Batykin“I can't log in to the app. Support on the site is no longer responding”@HN“Les gens qui ont ete bloquer leur argent ecrivez moi v74thonon outlook.fr , je vous aiderai a porter partie civile avec moi au trubunal je suis juriste. Malgre que j ai ecrit par chat le 30/01/26 car brighty m a bloquer mon argent qui se trouve dans mon cpte wallet de brighty, il dit je dois lui repondre a ses 10 questions sauf qu il y a une question hors la loi fr a savoir il veut je lui montre mes 6 derniers releves bancaire. Seul le juge, le servicr fiscal demandent des cas particuliers seulement ou des banques demandent si on emprunte largent et que le solde des 3 derniers mois. Brighty a”@Serge“I opened an account with Brighty a couple months ago. I haven't actively used the service yet, but what can I say 1.simple referral program, you can easily get 25USDT on your account. 2.despite the fact that I don't have a personal IBAN yet - funds are credited to the balance in the SEPA zone within a few minutes. 3. virtual card is free, it is linked to google pay and you can easily pay offline and online. 4. basic plan is free of charge 5. more interesting subscriptions cost from 9 euros a month, but you can earn up to 10% with APY Vaults. 6. good USDT to euro conversion rate 7. no data ex”@krts23“Switched from traditional bank for international transfers — 6 months update Background: I move money between EUR and USD regularly for freelance work. Traditional wire transfers were eating 3-5% between fees and exchange rates.Tried a few apps, landed on [Brighty](https://brighty.app/) about 6 months ago.   Here's the honest update: What works: \- SEPA transfers arrive same day, FedWire surprisingly fast too \- Stablecoin vault at 8% APY on USDC — idle money actually earns something \- Card works everywhere Mastercard does, no declined transactions yet   What's not perfect: \- Small”@Alba Espín Marín“Para España no sirve. Te piden una factura de servicios en inglés, estando en España eso no es posible. Así que… solo quieren que hagas compras con ellos con tarjeta para llevarse su porcentaje, tampoco te dejan retirar en cajero automático ni una sola vez a no ser que pagues. Que esto en España es ilegal. No lo remiendo nada.”@Andrea Benitez Cuesta“This is unthinkable and looks like a scam! I lost 5.000 USD when I tried to transfer it to my Brighy account. Brighty support has been silent for 20 days, despite being online. They froze my account without any explanation! They just asked me for documents and I provided them the same day, but they are silent. If you also want to lose all your savings, you can open a Brighty account. Give me my money back! My name - Andrea Benitez Cuesta”@Alexandre Magno“Doenst work. All my money inside can't even login.”@Ireneusz“These people closed my account without explanation where there were unprocessed refund transactions. Then they stole my 4€ for some unknown fee. There were about 2000€ of refunds in processing, and the store sent me proofs, where you can see a message from the bank that they confirmed the payment on their side. Further I have not received and week of my subscription they do not want to refund me 18€. Eventually these scammers started demanding selfies with the date, and completely ignore me. Further I will make a pre-trial lawsuit on them, and then a lawsuit with moral damages of more than 10.”@Natalia Raz“I’ve had a very positive experience using Brighty so far. The app is intuitive and easy to use, even for someone managing multiple currencies and investments. I especially appreciate the wide range of supported currencies and the flexibility between crypto and fiat. Customer support has been responsive and helpful, which is very important when dealing with financial services. I also find the investment tools interesting and innovative, it’s great to see new solutions being developed in the fintech space. I’m looking forward to seeing how Brighty continues to evolve and expand its features in t”@Good Man“very hard to verification. too much questions and i waiting 1 day 😓😱”@Hoxton“Ich habe mehrere gültige Adressnachweise für Deutschland eingereicht, darunter eine Meldebescheinigung, einen übereinstimmenden Ausweis sowie meine aktuelle Gehaltsabrechnung – und wurde dennoch abgelehnt. Nun soll ich den Support kontaktieren und mehrere Tage auf einen Hin- und Her-Schriftwechsel warten. Ein sehr frustrierender und ineffizienter Verifizierungsprozess.”@Testeuse a plein temps“Attention a eux ce sont des menteurs. Ils ne tiennent pas leurs engagements et cest grave, ils me devraient 25 usd et ils affirment que non alors que toutes les conditions ont ete remplit je désinstalle cette appli de menteurs !!n”

Category Breakdown

KYC Simplicity
6.7/10
Fee Efficiency
7/10
App Experience
7/10
Support Quality
6.9/10

Features

ContactlessStaking

Supported Cryptocurrencies

BTC iconBTCETH iconETHUSDT iconUSDTUSDC iconUSDCSOL iconSOLADA iconADAXTZ iconXTZTON iconTON