Brighty Card

Brighty sits somewhere between a neobank and a crypto wallet. You get personal IBAN accounts in EUR, USD and GBP — with your own name on them — alongside a Mastercard debit card and crypto balances in the same app, which covers the practical part of banking that most crypto cards skip.

The card earns cashback in USDC: 0.5% on the free tier, rising to as much as 1.75% on the paid Brighty One, Plus and Pro plans, with a monthly cap that scales with the plan. That is a modest rate by the standards of token-reward cards, but it is paid in a stablecoin rather than a token the issuer controls.

The yield side is the more distinctive pitch. Brighty advertises up to 10% APY across its earn vaults, with card stablecoin balances earning between 1.77% and 5.07% depending on plan. Brighty is not a bank, so fiat is held with a regulated partner rather than under a deposit guarantee.

Brighty's pitch is personal IBAN accounts and a crypto-funded card in one app, which puts it next to the Bitwala Card in Germany and the Credits Debit Card among EU-licensed issuers. The difference is that Brighty pays cashback in USDC rather than offering none at all. Full fee comparisons sit in our Best Crypto Cards directory.

What you get

• Personal IBANs in EUR, USD and GBP, so you can receive salary or transfers under your own name.
• Mastercard debit card in virtual and physical form, with Apple Pay and Google Pay support.
• Crypto spending directly from your balance at the point of sale.
• USDC cashback on eligible purchases, 0.5% free and up to 1.75% on paid plans with monthly caps.
• Earn vaults advertised at up to 10% APY, plus 1.77%–5.07% on card stablecoin balances by plan.
• Bank transfers through SEPA, Faster Payments, SWIFT and FedWire.

Why the IBAN matters

Most crypto cards ask you to pre-load a balance and spend it. Brighty gives you something closer to a real account: senders pay a name and IBAN, and the card then spends from the same pool as your crypto.

Supported assets

Brighty centres on stablecoins — USDC and USDT alongside BTC and ETH — which is consistent with a card built for spending rather than trading. Cashback is paid in USDC.

Fiat support

EUR, USD and GBP with named IBANs, which is broader than most crypto card issuers and the main reason to pick Brighty over a pre-load card.

Plans and rewards

• Free tier: 0.5% cashback on eligible purchases, one virtual card.
• Brighty One: 1% base cashback, up to $20 USDC per month cap.
• Brighty Plus: 1% base up to 2.5% maximum, $60 USDC monthly cap, one physical plus two virtual cards.
• Brighty Pro: 1% base up to 3.5% maximum, $100 USDC monthly cap, two physical plus three virtual cards.

Watch the caps

The advertised maximum rates apply to specific purchase types and are capped monthly. Above the cap you keep earning only the base rate, so the effective rate on high spending is lower than the headline number.

Fees to confirm in-app

Brighty does not publish a full standalone fee schedule for FX spreads and ATM use on its homepage. Check the current terms in the app before relying on either.