Brighty App Standard Card
by Brighty App
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- Free
- ID check
- ID verification
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
Brighty is a CeDeFi platform linking traditional banking with digital assets, with stablecoin vaults that pay high yields and card spending without FX fees.
What we like
- +Staking yields of up to 10.41% APY
- +0% FX fee on card payments
- +Apple Pay and Google Pay supported
- +Free card issuance and no monthly fee
- +Multi-chain support including Solana and Arbitrum
Watch out for
- −Funds are held in custody
- −Mostly limited to EU residents
- −Identity verification (KYC) required
- −1.5% ATM withdrawal fee
6.1/10
Editor score
Fair
5.7/10
User rating
Based on 34 sources
Lv 3
KYC Level
ID verification
Global
Availability
1 countries excluded
Card Overview
Rewards
- Cashback
- 3%
- Cashback Crypto
- USDC
- Staking Rewards
- Staking APR
- 10.41%
- Welcome Bonus
- —
- Referral Bonus
- $25
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- 1.5%
- FX Fee
- Free
- Top-up Fee
- Free
- Decline Fee
- —
Limits
- Daily Spend
- Unlimited
- Monthly Spend
- $30,000
- ATM Withdrawal
- $3,000
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Visa
- Apple Pay
- Google Pay
KYC Requirements
Level: ID verification
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
5.7/10
Sourced from
Users like how the app joins European IBAN banking with stablecoin yields of up to 10.41% APY on USDC and EURC, with easy Apple Pay and Google Pay setup and a clean interface for managing crypto and fiat together. Cashback is paid in USDC, which people find more useful than speculative tokens. The free tier draws criticism for costs that include conversion spreads near 5%, a €3 fee on outgoing SEPA transfers and a 2% foreign transaction fee outside the EEA, which only become acceptable on the €18 a month Pro plan. Support is slow, with multi-day waits during KYC freezes, login failures with biometrics or SMS, and valid EU ID documents rejected by automated checks. Privacy concerns include data shared with marketing partners, analytics firms and blockchain intelligence providers such as Elliptic, plus 10-year retention. It fits European holders with large stablecoin balances on the Pro tier, not casual users.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum, Tron, Solana, Arbitrum, BNB Chain, Tezos
Frequently asked questions
Does the Brighty App Standard Card require KYC?
Yes. Brighty App asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the Brighty App Standard Card charge?
The card has a monthly fee of free, an issuance fee of free, a top-up fee of free, an FX fee of free. See the fee table above for ATM and decline fees.
Does the Brighty App Standard Card work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the Brighty App Standard Card?
It is available in most countries, except United States.
Which cryptocurrencies does the Brighty App Standard Card support?
BTC, ETH, USDT, USDC, EURC, SOL, ADA, XTZ, TON, ISLM, NPC.
Last updated August 19, 2026, verified August 6, 2026.