European Economic Area (EEA), Switzerland, United Kingdom, and eligible regions; mainland China and United States cannot apply
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Base plan 0 monthly fee; free transactions in matching EUR/USD currencies, non-base currency spending incurs a 1% FX fee; ATM withdrawals include monthly free allowances per plan.
- Debit / Deduction Model
- A European licensed multi-currency IBAN account + yield-bearing stablecoin debit card: card funds earn 5% APY until spent, automatically converting and clearing upon card swipe
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Must be at least 18 years old, reside in Switzerland, the European Economic Area (EEA), or Andorra/Montenegro, and pass standard EU electronic identity KYC.
- Officially supported countries and regions
- European Economic Area (EEA), Switzerland, United Kingdom, and eligible regions; mainland China and United States cannot apply
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa and Mastercard dual networks (virtual and physical cards; supports Apple Pay and Google Pay)
- Issuer Arrangement / Payment Rails
- Brighty App (Swiss regulated digital finance platform / EU-licensed EMI partners). The card BIN is not published, and this page does not speculate on it.
- Apple Pay / Google Pay
- Officially supports Apple Pay, enabling contactless payments on iPhone and Apple Watch.
- Overseas AI Subscriptions
- Equipped with compliant European bank BINs, offering very high approval rates for European and international online subscriptions.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Stablecoin balances on the card earn up to 5% APY credited daily; everyday spending earns tiered cashback of 0.5%–1.75%.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa / Mastercard
- Issuer arrangement / BIN
- Brighty App (Swiss regulated digital finance platform / EU-licensed EMI partners). The card BIN is not published, and this page does not speculate on it.
- Apple Pay
- ✅ Explicitly stated in official materials: officially supports Apple Pay, enabling contactless payments on iPhone and Apple Watch.
- Google Pay
- ✅ Explicitly stated in official materials: officially supports Google Wallet contactless payments.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: equipped with compliant European bank BINs, offering very high approval rates for European and international online subscriptions.
Compatibility information for this card was verified on 2026-10-14 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 153 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- Brighty: Crypto Card & IBAN (Razz Finanzz AG)
- Web Portal Support
- Mobile App Only — Mobile app only (iOS/Android) with no web version; official website provides Android APK (Google Play unavailable in the EU and select regions).
- Apple App Store
-
App Store Official Download ↗ Only 39 regions: UAE, Turkey, Germany, France, Spain, Italy, Netherlands, Switzerland, Austria, Belgium, Bulgaria, Belarus, Cyprus, Czechia, Denmark, Estonia, Finland, Georgia, Greece, Croatia, Hungary, Ireland, Iceland, Lithuania, Luxembourg, Latvia, Moldova, Montenegro, Malta, Norway, Poland, Portugal, Romania, Serbia, Russia, Sweden, Slovenia, Slovakia, Ukraine
- Google Play
-
▶ Google Play Official Download ↗ Available in 135 regions; unavailable in 27 EU countries, UK, US, Canada, plus missing UAE, Bahrain, Israel, South Africa, Japan, South Korea, Indonesia, Philippines, Palau (APK provided on official site)
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
Explicit GDPR Compliance
BTY Digital AG (Baar, Switzerland, UID CHE-352.538.716) Privacy Notice (revised 2026-10-01): governed by Swiss FADP and EU GDPR where applicable, stating lawful bases; grants information, access, rectification, erasure/destruction rights, plus additional GDPR rights where applicable; complaints to Swiss FDPIC or EU/EEA regulators; App Store developer listed as Razz Finanzz AG
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Retained as required by purpose, AML/CFT, accounting, tax, and recordkeeping rules, with select records kept for 10 years (Swiss AML rules); deleted, destroyed, or anonymized when no longer needed
- App Store Privacy Label
- No tracking data; Linked to you: 3 categories; Not linked to you: 2 categories
- Google Play Data Safety
- Shared with 3rd parties: App activity, App info and performance, Audio; Collects 8 categories; Deletion can be requested; Data encrypted in transit
- Account Deletion Flow
-
Self-service account termination in-app via 'Profile → Security → Terminate Account', requiring balance withdrawal and clearance of pending transfers/card transactions; closure is permanent and prevents reopening; dust balances may be deducted as closure fees; business clients must email support@brighty.app from registered email
Verified on 2026-10-14. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Yield-earning payment card under Swiss compliant financial architecture
Brighty combines personal European IBANs, flexible crypto yield vaults, and Visa/Mastercard settlement rails, making it an ideal conduit for compliant European fund flows. [1]
Frequently asked questions
Can stablecoins in the Brighty card be transferred out at any time?
Yes, card balances and Rewards Box earnings can be withdrawn or spent at any time without lock-up penalties.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of Brighty App Card on X; search results may change over time.
Recommended Active Alternative Cards
If Brighty App Card is region-restricted or does not meet your needs, compare these active alternatives:Bitget Wallet Card has different regional programs. Its former “zero-fee” rebate has officially ended and should not be treated as a current permanent rate.
BiyaPay offers EasyCard, a virtual payment card. The company says an affiliate is registered as a New Zealand financial service provider (FSP1007221). Registration is not a banking licence, deposit protection or card-issuing authorization.
BingX currently offers applications for a virtual Visa debit card. After approval, users can spend eligible USDT in their account; the physical metal card is available only to selected users. Eligibility, fees and cashback vary by region and card version.