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BBrighty Card logo

Brighty Card

Updated: Jul 28, 2026

Brighty Card is a crypto-friendly multi-currency debit card offered by Brighty App to European users and can be linked to EUR, USD, GBP, USDC and other supported crypto asset accounts. The current product includes both Mastercard and Visa issuance systems and offers virtual and physical cards for online shopping, in-store purchases, Apple Pay, Google Pay and eligible ATM use. Users can also participate in cashback and yield programmes for card spending and stablecoin balances.
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Card network
Mastercard / Visa
Product type
Stablecoin payment card
Card form
Virtual + physical card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
70-79
Supported assets
BTC / ETH / BNB / SOL / ADA / TRX / ATOM / USD / EUR / GBP
Last updated
Jul 28, 2026

Official and company information

Issuer identity and company credentials

Brighty is currently primarily operated by Wireflexion sp. z o.o. of Poland for the platform and crypto asset services, registered in the Polish register of virtual currency activities. Consumer Visa card partners include Wallester AS, licensed by the Estonian financial supervisory authority; new e-wallet and card services also use regulated Monavate. Brighty handles the app, accounts, crypto assets, and card entry points, with actual fiat and card payments provided by partner financial institutions.
Visit website Application page
Company / issuer
Brighty App
Legal name
Wireflexion sp. z o.o.
Registered region
Poland (PL)
Headquarters
European Union, Poland, Warsaw
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Brighty combines multi-currency IBAN, crypto asset wallet, asset exchange, and payment card in one account. Users can hold assets such as EUR, USD, GBP, USDC, BTC, ETH, and connect the corresponding balances to the Brighty Card for spending; when balances in a specific currency are insufficient, they can exchange in the app first. In 2026, the personal card service underwent a migration of card issuing partners; the Wallester Visa system retains the current legal terms, while Monavate's new e-wallet and Mastercard/Visa terms have been launched; Brighty's current homepage mainly promotes Mastercard. The card is available in virtual and physical forms, supporting mobile wallets, international online shopping, and physical POS. Cashback is calculated dynamically based on plan, country, merchant category, and campaign.
Mastercard / Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Brighty multi-currency crypto debit card
Card formVirtual + physical card
Fees
Monthly fee
Free
No monthly card maintenance fee.
Card issuance fee
Free
A virtual Mastercard can be issued free of charge.
ATM fee—
Foreign exchange fee
2%
Visa payments in currencies other than the account currency.
Top-up fee—
Failed transaction fee—
Rewards
Cashback—
Crypto cashback—
Staking rewards—
Staking APR—
Welcome bonus—
Referral bonus
25 USDC
Complete 3 eligible purchases.
Limits
Daily spending limit—
Monthly spending limit—
ATM withdrawal limit—
Card network

Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and China applicability

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

33
LiechtensteinLISlovakiaSKItalyITMaltaMTCzechiaCZEstoniaEEFranceFRSwedenSEPolandPLLithuaniaLTCroatiaHRDenmarkDKBulgariaBGSwitzerlandCHBelgiumBEGermanyDELatviaLVGreeceGRSloveniaSIFinlandFIAndorraADHungaryHUNetherlandsNLCyprusCYAustriaATSpainESLuxembourgLUIrelandIEPortugalPTRomaniaROIcelandISNorwayNOMontenegroME
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

5
United StatesUSHong KongHKTaiwanTWChinaCNMacaoMO
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

1、中国大陆：当前不属于 Brighty Card 开放申请地区，不可按中国大陆居住身份申请；境外合资格发行的 Visa/Mastercard 可在对应受理商户使用。

2、香港：当前不属于 Brighty Card 现行欧洲发卡范围，因此不可按香港居住身份申请；境外已发行卡可在支持相应卡组织的商户消费。

3、澳门：当前不属于 Brighty Card 开放申请地区，因此不可按澳门居住身份直接申请；境外已发行卡可在相应 Visa/Mastercard 商户消费。

4、台湾：当前不属于 Brighty Card 现行欧洲发卡地区，因此不可按台湾居住身份直接申请；境外合资格卡仍可用于相应国际卡组织商户。

Updated: Jul 28, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / National ID card

Review time / regional limits

Most automated identity verification takes a few minutes; manual review can last several business days.

KYC provider

Sumsub

Updated

Jul 28, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported10
Not supported2
UpdatedJul 28, 2026

Wallet payments

Alipay

Not supported

Jul 28, 2026

Wallet payments

Apple Pay

Supported

Jul 28, 2026

Cash services

ATM withdrawal

Supported

Jul 28, 2026

AI tools

ChatGPT

Supported

Jul 28, 2026

AI tools

Claude

Supported

Jul 28, 2026

Wallet payments

Google Pay

Supported

Jul 28, 2026

AI tools

Midjourney

Supported

Jul 28, 2026

In-person payments

Offline POS

Supported

Jul 28, 2026

Online shopping

Online shopping

Supported

Jul 28, 2026

Wallet payments

PayPal

Supported

Jul 28, 2026

Subscriptions

Subscription payment

Supported

Jul 28, 2026

Wallet payments

WeChat Pay

Not supported

Jul 28, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Dalulodiapp_store★ 1 / 5

ESTAFADORES

Son unos mentirosos, te dicen que tienen muchos beneficios cuando es mentira, he invitado a un par de amigos y me bloquean diciendo que estoy haciendo trampas, es vergonzoso, hay apps como revolut, n26 y más mucho mejores. Asi que no os la descargueis son unos estafadores.
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Jemsberlinerapp_store★ 5 / 5

Great

We need more fintech apps like this in Europe
View original
alex3145sanyaapp_store★ 1 / 5

SCAM

They deleted my account after I added $100 to it. Support isn't responding. They are just thieves.
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Nikoseromaapp_store★ 1 / 5

The worst customer support!

This is my first-ever review, and I’m requesting the dismissal of your employee, Klara, as she significantly undermines the experience of using your app. Klara is exceedingly slow, unmotivated, and lacks competence. Her poor performance makes me consider taking legal action against your company. Whenever she takes on a ticket, she fails to resolve the issue, and the lack of an option to open a second ticket prevents me from reaching out to another specialist for assistance.
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Natalia Razapp_store★ 5 / 5

Convenient, modern and promising fintech app

Very convenient and easy to use. I like the clean interface, fast support, and the variety of currencies available. The investment tools are interesting and promising. Hope the app continues to grow and improve!
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Jerry Hyesapp_store★ 1 / 5

Horrible experience

They have taken my money and have no intention of returning it to me. Be very careful. There are many neobanks, and this is not one of the recommended ones. Don't fall for it
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kerescratapp_store★ 5 / 5

Promo

Si quereis una recompensa de 25$ al gastar 30$ meter el siguiente código: eder_o
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a.ikonnapp_store★ 5 / 5

Genial

Me gusta el sencillo procedimiento de registro y la interfaz de la aplicación. A primera vista, hay todo lo necesario para utilizar cómodamente el servicio.
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isidrofrancoisqapp_store★ 5 / 5

Increíble herramienta para cọmerciantes.

Me flipa Brighty Wallet :) Abrí un cofre para sacar hasta 10% al año, ¡una ganga! Veamos mi éxito más tarde.
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Risk factors

Updated: Jul 28, 2026

No risk factors are available