CARD PROFILE · FULL KYC
Brighty App.
Swiss-regulated (Razz Finanzz AG) crypto neobank by ex-Revolut team. Multi-currency IBAN (EUR/GBP/USD). Up to 10% APY on stablecoins via DeFi (no lock-up). 0% fees across the board.
Cost / $100
$0.00
Top-up fee
Free
Network
Visa · MC
Card type
Virtual + Physical
IBAN
Yes
Monthly limit
—
Status
Operational
Pros.
- +0% FX fee
- +0% transaction fee
- +0% top-up (SEPA/Faster Payments)
- +Free virtual card issuance
- +Apple Pay & Google Pay & ATM
- +Multi-currency IBAN: EUR, GBP, USD
- +Up to 10% APY on stablecoins (DeFi-based, no lock-up)
- +Both Visa and Mastercard available
- +0.5-1.75% cashback (boosted categories)
- +Ex-Revolut founders
- +Fireblocks custody, proof of reserves
Cons.
- −Full KYC required (Sumsub)
- −~1% spread on crypto swap
- −DeFi risks in yield products
- −Small user base
- −Reports of currency errors on international payments
- −EU, UK, Switzerland only
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
Free
Transaction fee
0%
FX fee
0%
Issuance
$2.99
Monthly
Free
Cost / $100
$0.00
0% top-up (SEPA/Faster Payments). 0% transaction. 0% FX. ~1% crypto swap spread. Free virtual. Up to 10% APY on stablecoins. 0.5-1.75% cashback.
COVERAGE
Where it works.
Supported coins
BTCETHUSDCEURCADAXTZ
Chains
EthereumArbitrumBSCSolanaTron
Use cases
Online · IRL · ATM
Blocked countries
USGBCACNJPRUBY
WALLETS
Apple PayYes
Google PayYes
ATMYes
REPUTATION
Trustpilot
3.7/5
80 reviews
Monevia score
61/100
Verified 2026-04-30
ALTERNATIVES