Ledger
Brighty App
April 25, 2026VerifiedBrighty extends 3.5% cashback campaign through May 31Brighty announced an extension of its 3.5% cashback campaign through May 31, 2026 — continuing the boosted reward rate on Brighty Card spending for European users.threads.com January 24, 2026IncidentBrighty cards restored after 26-day provider migration freezeAll Brighty Visa cards (virtual and physical) were frozen December 29, 2025 – January 24, 2026 during a mandatory provider migration to Wireflexion sp. z o.o. Google Pay and Apple Pay were also non-functional during the period. Cards restored January 24.x.com
Brighty AppBrighty App
Visa · MCVirtual and plasticSince 2023Asks for everythingDegraded
Before you continue. The service is partly unavailable. Some of what is described below may not work.
Swiss crypto neobank (BTY Digital AG, VQF member) founded by an ex-Revolut engineer. Multi-currency IBAN (EUR/GBP/USD), crypto and fiat in one account, card spends from either. Mid-migration: the Polish entity Wireflexion is winding down and its customers must re-onboard with BTY.
Total, per $100 spent: $0.60per $100 spent
27 of the 167 priced cards cost less. Among the 173 that ask for exactly as much identity, the median is $1.50.
Open brighty.appNot a paid link: we earn nothing either way.
Whether to take Brighty App
In its favour
- No monthly fee on the free One plan
- 0% card transaction fee
- Free crypto deposits
- One free virtual card on One (two on Plus, three on Pro)
Against it
- Wireflexion wind-down (Sept 2026): existing accounts can no longer top up or exchange, Visa cards are frozen, and you have to re-apply to BTY Digital AG
- Full KYC required (Sumsub), with proof of address
- 0.6% currency exchange on One; Plus (€9/mo) and Pro (€18/mo) get €2,000 and €5,000 a month free
- Incoming SEPA/Faster Payments: the fee schedule lists 0.3% (min €10), the official channel calls them free
Also true, in its favour
- Google Pay works on the Mastercard virtual card
- Multi-currency IBAN: EUR, GBP, USD
- Mastercard virtual card; Visa physical and branded cards
- 0.5-1.75% cashback (boosted categories)
- Ex-Revolut founder
- Fireblocks custody, proof of reserves
What Brighty App costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $0.00 |
| Monthly | $0.00 |
| To put money in | |
| To load | 0% |
| To spend it | |
| To spend | 0% |
| To spend outside the dollar | 0.6% |
| Total, per $100 spent | $0.60 |
Not published by the issuer: per payment, fixed, at a cash machine.
Read off brighty.app on October 22, 2026.
Free crypto deposits. 0% card transactions. Currency exchange 0.6% on One (0.5% Plus, 0.4% Pro above the free monthly allowance). Virtual cards free within the plan allowance (1 on One, 2 on Plus, 3 on Pro), €2.99 per further issue. Incoming SEPA/Faster Payments 0.3% (min €10) per the fee schedule. Plus €9/mo, Pro €18/mo. 0.5-1.75% cashback.
KYC: what Brighty App asks for
Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.
Asks nothing8 cards
An email16 cards
A light check — a name and a phone, unverified8 cards
A document44 cards
Everything — document, face, address174 cards
Limits on spending
Monthly spend$50,000
Daily spend$50,000
Not published by the issuer: per payment, maximum balance, cash, per day.
Confirmed on brighty.app on October 22, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.
Where it works
WalletsApple Pay and Google Pay
Accepted whereOnline, in person, cash machines
Account detailsIts own account details
Coins in10BTC, ETH, USDC, EURC, ADA, XTZ, SOL, TON, TRX, BNB
Chains8Ethereum, Arbitrum, BSC, Solana, Tron, Bitcoin, Polygon, TON
TiersOne, Plus, Pro
Issued only to residents of 36 countries — the issuer runs an allowlist, so everywhere else is closed.
- Andorra
- Austria
- Belgium
- Bulgaria
- Croatia
- Cyprus
- Czech Republic
- Denmark
- Estonia
- Finland
- France
- Germany
- Greece
- Hungary
- Iceland
- Ireland
- Italy
- Latvia
- Liechtenstein
- Lithuania
- Luxembourg
- Malta
- Monaco
- Montenegro
- Netherlands
- Norway
- Poland
- Portugal
- Romania
- San Marino
- Serbia
- Slovakia
- Slovenia
- Spain
- Sweden
- Switzerland
The other flaws
- Apple Pay does not work on Mastercard cards at the moment
- Earning Vaults (USDC via Aave, up to 10% APY) are still advertised, but BTY's terms of 1 Oct 2026 say it offers no yield products
- Reports of currency errors on international payments
- Trustpilot withholds this company's rating for a breach of its guidelines and says it removed a number of fake reviews
- EU/EEA, Switzerland, Andorra, Monaco, San Marino, Montenegro and Serbia only — no UK
What has changed
2 recorded changes, the most recent on April 25, 2026. Each carries the page we read it on.
How we checked this
Thirteen fields are tracked for every service. 11 of them carry a figure we read off brighty.app on October 22, 2026.
- Issuer's page
- Cost per $100October 22, 2026 · Loading chargeOctober 22, 2026 · Currency conversionOctober 22, 2026 · Per-payment chargeOctober 22, 2026 · IssuanceOctober 22, 2026 · MonthlyOctober 22, 2026 · Spending limitsOctober 22, 2026 · Apple Pay and Google PayOctober 22, 2026
- Sign-up flow
- Identity levelOctober 22, 2026
- Live check
- Operating statusOctober 22, 2026
- Terms
- Countries closedOctober 22, 2026
- The issuer does not publish
- Cash machine charge · Maximum balance
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open brighty.appNot a paid link: we earn nothing either way.
Alternatives to Brighty App
Costs $0.40 more per $100 — the price of the difference.
Xexon CardXexon CardVisa · MCVirtual and plasticAsks for everythingOperational0.25% when you load, plus $0.75 fixed. 2 fee fields are not published.AG22 Oct$1.00per $100 spent
Xexon CardXexon CardVisa · MCVirtual and plasticAsks for everythingOperational0.25% when you load, plus $0.75 fixed. 2 fee fields are not published.AG22 Oct$1.00per $100 spentCosts $0.40 more per $100 — the price of the difference.
DogPay CardDogPay CardVisa · MCVirtual and plasticAsks for everythingOperational1% when you load. 2 fee fields are not published.AG22 Oct$1.00per $100 spent
DogPay CardDogPay CardVisa · MCVirtual and plasticAsks for everythingOperational1% when you load. 2 fee fields are not published.AG22 Oct$1.00per $100 spent