Brighty Card

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Brighty Card scores 8 of 16 on the CBL Card Score. Brighty, Mastercard. Custodial; partners hold segregated fiat and crypto. UAB Monavate, Bank of Lithuania e-money licence.

CBL Card Score: 8 of 16

Criterion	Points	What we found	Source
Custody	1 of 2	Custodial. The general terms say fiat in a "Segregated Fiat Payment Account" is "held by the relevant Partner and are not held by BTY", and that client crypto receiving addresses are "Segregated Crypto Accounts", with omnibus assets not "commingled with Crypto Assets belonging to BTY itself" (official, general terms, 01.10.2026). The help centre says user funds sit in segregated accounts that staff and partners cannot access without the owner's consent (official, help article, 17 Sep 2026). Custody infrastructure is Fireblocks, with proof of reserves published (official, home page). Sandbox deposits are not covered by the Swiss deposit protection scheme (official, general terms).	official checked 20 October 2026
Issuer and licence	2 of 2	The general terms say "The regulated issuer identified in the applicable cardholder terms is the legal issuer of the Payment Cards" and name Monavate as "BIN sponsor and programme partner" (official, general terms, 01.10.2026). The cardholder terms themselves were not found on the site. UAB Monavate holds electronic money institution licence No. 92 from the Bank of Lithuania, issued 31 Mar 2022, company code 305628001, covering issuing of e-money and payment instruments (official, Bank of Lithuania register). A review names UAB Monavate as the card and e-money wallet issuer (third-party: cryptocardhub, 11 Aug 2026).	official checked 20 October 2026
Availability	0 of 2	The app is available in the EU and EEA, plus Montenegro, Serbia, Andorra, Switzerland, Liechtenstein, San Marino, Monaco and Moldova, with proof of address in one of those places required at sign-up (official, help article "Where can I use the Brighty App?", checked 20 Oct 2026). The UK, the Gulf and the US are not listed. No waitlist.	official checked 20 October 2026
FX fee on a foreign-currency purchase	1 of 2	The fees article (figures "as of 15/09/26") lists currency exchange at 0.6% on the free One plan with no free allowance, 0.5% on Plus above €2,000 a month, and 0.4% on Pro above €5,000 a month (official). No separate foreign-currency card transaction fee is listed for the Mastercard; a review notes the old Visa card carried a 2% foreign transaction fee that no longer appears on the Mastercard row (third-party: cryptocardhub, 11 Aug 2026). Scored on the 0.6% One plan rate.	official checked 20 October 2026
Funding cost	1 of 2	Virtual Mastercard issue fee €2.99 on every plan, one card included on One, two on Plus, three on Pro, up to 10 cards a month; monthly card service fee free; balance inquiry free (official, fees article, 15 Sep 2026). Crypto deposits free on all plans, no monthly limit (official). Fiat deposits by SEPA or Faster Payments cost 0.3% with a €10 minimum, SWIFT 0.7% with a €50 minimum (official). Physical card: the help centre says users can pick virtual or physical, but no physical card fee is published (official, help article, 6 Jul 2026); a review says physical Mastercard orders are unavailable (third-party: cryptocardhub, 11 Aug 2026). A €5 a month dormancy fee after six months of inactivity is reported under the January 2026 general terms (third-party: cryptocardhub, 11 Aug 2026); the current terms fetched for this check did not show it.	official checked 20 October 2026
Apple Pay and Google Pay	1 of 2	Google Pay works with the Mastercard. Apple Pay "is currently unavailable for Mastercard cards" for maintenance, with only the older Visa cards supported (official, help article, 26 May 2026). The site has an Apple Pay setup page with no date or status (official, brighty.app/en/applePay).	official checked 20 October 2026
Freeze and dispute policy	1 of 2	Freeze and unfreeze in the app at any time; termination is final and cannot be reversed (official, help article "Card Issuance, Freezing and Termination", 6 Jul 2026). Complaints go to support@brighty.app and "BTY will handle complaints in accordance with its internal procedures and applicable law", with no time window or response time stated (official, general terms, 01.10.2026). Chargeback responsibilities are deferred to the card programme agreements (official, general terms, section 8.4). No dispute window found.	official checked 20 October 2026
Yield on idle balance	1 of 2	Earning vaults, "up to 10% APY", are a separate product from the card; returns "fluctuate" with the market and the help article gives no fixed rate, lock period or plan requirement (official, help article "How do Brighty Earning Vaults work?", checked 20 Oct 2026). A review describes an optional daily reward on card-linked stablecoin balances paid in USDC, with the rate varying by subscription and able to fall to 0% without notice; no current rate stated (third-party: cryptocardhub, 11 Aug 2026).	official checked 20 October 2026

Total 8 of 16. Official means the company's own site, terms or help centre. Third-party means a named review site with its own check date; a third-party fact is reported, not verified, and the score stands until an official source confirms or contradicts it.

Score history

20 October 2026

8 of 16

First score

Standing

Company	Brighty. The platform is operated by BTY Digital AG, a Swiss stock corporation in Baar, UID CHE-352.538.716, member no. 100917 of VQF, a self-regulatory organisation recognised by FINMA under the Swiss anti-money laundering act (official, imprint). The company states it is "a financial technology company, not a bank" and that "payment cards, custody, and on/off ramp services are provided by licensed partners" (official). The general terms (last revised 01.10.2026) name Monavate as BIN sponsor and programme partner, Marqeta for card processing and AllPay for card production (official). An older Visa programme ran on Wallester's white-label infrastructure for the EEA, under the entity Brighty Digital UAB (third-party: Wallester blog, undated, checked 20 Oct 2026).
Network	Mastercard (official, "Powered by Mastercard" on the home page; the fees article lists a "Virtual Mastercard"). Older cards were Visa (official help article on Apple Pay, 26 May 2026). official
Rails	Brighty's general terms name Monavate as BIN sponsor and programme partner, and say the legal issuer is the regulated issuer in the cardholder terms (official). UAB Monavate holds e-money licence No. 92 from the Bank of Lithuania (official register). Fiat sits with partners in segregated accounts, and crypto custody runs on Fireblocks (official).
Website	brighty.app
Health tag	Watch The card runs on UAB Monavate, a Bank of Lithuania licensed e-money institution, but Brighty itself holds only a Swiss VQF SRO membership, its cardholder terms were not found on its site, no complaints timeline is published, and Apple Pay for the Mastercard is suspended (official).
Last checked	20 October 2026

When it goes wrong

Freeze and unfreeze in the app at any time; termination is final and cannot be reversed (official, help article "Card Issuance, Freezing and Termination", 6 Jul 2026). Complaints go to support@brighty.app and "BTY will handle complaints in accordance with its internal procedures and applicable law", with no time window or response time stated (official, general terms, 01.10.2026). Chargeback responsibilities are deferred to the card programme agreements (official, general terms, section 8.4). No dispute window found.

The dispute route, in order: the company's own support desk, then the card network's chargeback rules, then the regulator of the issuer where one is named. A frozen card is a question, not a verdict: the Frozen Account Survival Kit applies to cards too.

Costs

FX	The fees article (figures "as of 15/09/26") lists currency exchange at 0.6% on the free One plan with no free allowance, 0.5% on Plus above €2,000 a month, and 0.4% on Pro above €5,000 a month (official). No separate foreign-currency card transaction fee is listed for the Mastercard; a review notes the old Visa card carried a 2% foreign transaction fee that no longer appears on the Mastercard row (third-party: cryptocardhub, 11 Aug 2026). Scored on the 0.6% One plan rate. official
Funding	Virtual Mastercard issue fee €2.99 on every plan, one card included on One, two on Plus, three on Pro, up to 10 cards a month; monthly card service fee free; balance inquiry free (official, fees article, 15 Sep 2026). Crypto deposits free on all plans, no monthly limit (official). Fiat deposits by SEPA or Faster Payments cost 0.3% with a €10 minimum, SWIFT 0.7% with a €50 minimum (official). Physical card: the help centre says users can pick virtual or physical, but no physical card fee is published (official, help article, 6 Jul 2026); a review says physical Mastercard orders are unavailable (third-party: cryptocardhub, 11 Aug 2026). A €5 a month dormancy fee after six months of inactivity is reported under the January 2026 general terms (third-party: cryptocardhub, 11 Aug 2026); the current terms fetched for this check did not show it. official
ATM	Not published for the Mastercard. Legacy Visa rates reported as €3.50 (Plus) and €3 (Pro) in the EEA, plus 3.5% and 3% outside it (third-party: cryptocardhub, 11 Aug 2026).
Tiers	One (free, default), Plus and Pro (paid; prices "outlined in the Brighty application") (official, subscription terms, last revised 07.02.2024). Plus €9 a month and Pro €18 a month reported (third-party: cryptocardhub, 11 Aug 2026).

Cashback, as of 20 Oct 2026

0.5% in USDC on eligible purchases on all plans; selected categories 1.25% to 1.75% depending on plan; monthly caps USDC 20 on One, USDC 60 on Plus, USDC 100 on Pro (official, help article "What is Cashback?", 5 Mar 2026). Excludes ATM withdrawals, transfers, top-ups, gambling, crypto purchases and Curve pass-through cards; most cashback posts within 5 business days and moves to the Reward Box the next month (official, cashback terms, 01.10.2026).

Cashback is a dated fact, not part of the Card Score. Promo rates change too often to score.

Availability

The app is available in the EU and EEA, plus Montenegro, Serbia, Andorra, Switzerland, Liechtenstein, San Marino, Monaco and Moldova, with proof of address in one of those places required at sign-up (official, help article "Where can I use the Brighty App?", checked 20 Oct 2026). The UK, the Gulf and the US are not listed. No waitlist. official

Identity checks: Identity verification through Sumsub with an admissible ID document and proof of address in a supported country (official, help centre).

What we still need confirmed

Facts marked official come from Brighty's own pages or terms. Facts marked third-party are reported by a named review site and count as reported, not verified. These items are open for the next Monday sweep:

• Cardholder terms: confirm UAB Monavate is named as legal issuer. Rescore issuer to 1 if the cardholder terms name a different or unlicensed issuer. open
• Whether a separate foreign-currency card transaction fee applies on the Mastercard. Rescore fx to 0 if it is above 1.5%. open
• Physical card: whether orders are open and what it costs. Rescore funding to 0 if the physical card is paid and above a small fixed fee. open
• Apple Pay on the Mastercard. Rescore wallets to 2 when the help article shows it live again. open
• Dispute window and complaints response time in the cardholder terms. Rescore freeze to 2 if both are published. open
• Card-linked stablecoin reward: current rate, lock and plan requirement. Rescore yield to 2 if a rate is live with no lock and no paid plan, or to 0 if the reward has ended. open
• Dormancy fee in the current general terms. open
• tile_color taken from the dominant colour of the logo file in assets/logos/ on 20 Oct 2026; confirm against brand assets. open

See a mistake? Email hi@cryptobanklist.com. Every factual correction is logged on our corrections page.

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