BrightyBrighty
70
Side-by-side card comparison
Brighty vs Bitpanda: overall score versus use-case fit
Bitpanda Card has the higher Overall Score by 3 points (73 vs 70). Brighty Card looks stronger for Travel, Funds control, and Transfers, while Bitpanda Card comes out ahead for Cashback.
Information checked Oct 6, 202641 official sources reviewed
01 · Overall score versus use-case fit
Bitpanda Card is the better all-round starting point
Bitpanda Card has the higher Overall Score in this comparison. Brighty Card may be the better fit for Travel, Funds control, and Transfers. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallBrighty70Bitpanda73Higher score
CashbackBrighty48Bitpanda60Higher score
TravelBrighty80Bitpanda79Higher score
Funds controlBrighty65Bitpanda56Higher score
Lowest feesBrighty67Bitpanda67Same score
TransfersBrighty93Bitpanda85Higher score
Choose Brighty Card if travel and funds control matter most
Brighty Card comes out ahead for Travel, Funds control, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Free entry plan
- USDC cashback
- Multiple account rails
Choose Bitpanda Card if cashback matters most
Bitpanda Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No monthly fee
- Apple Pay and Google Pay
- Crypto and metals payments
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Brighty70Bitpanda73
Bitpanda Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Brighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FXBitpanda$0 plan · 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable FX
Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources).
- Purchase rewards
- Brighty0.5% base · up to 1.75%Bitpanda1% cashback
Bitpanda Card has the higher published base cashback rate (1% vs 0.5%).
- Funds control
- BrightyCustodial balanceBitpandaCustodial balance
Brighty Card and Bitpanda Card use the same custodial balance setup.
- Everyday access
- BrightyVirtual + Physical · Apple PayBitpandaVirtual + Physical · Apple Pay, Google Pay
Bitpanda Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Brighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payoutBitpanda2 stablecoins · Stablecoin transfers; EUR SEPA withdrawal
Brighty Card lists more stablecoins and ways to send money out (5 vs 4).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0.5%-1.8%
- Plan cost
- $0
- FX fee
- Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 16 crypto · 4 fiat
- Cashback
- 1%
- Plan cost
- $0
- FX fee
- 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- ATM fee
- 2%; min €2
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 1 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsBrighty CardOverall70Bitpanda CardOverall73
Brighty CardOverall70Bitpanda CardOverall73Scores
6 fields- Overall Score
- Brighty Card70Bitpanda Card73
- Cashback score
- Brighty Card48Bitpanda Card60
- Travel score
- Brighty Card80Bitpanda Card79
- Funds control score
- Brighty Card65Bitpanda Card56
- Lowest fees score
- Brighty Card67Bitpanda Card67
- Transfers score
- Brighty Card93Bitpanda Card85
Strengths & trade-offs
2 fields- Strengths
- Brighty CardFree entry plan, USDC cashbackBitpanda CardNo monthly fee, Apple Pay and Google Pay
- Trade-offs
- Brighty CardNetwork-specific FX gap, Physical terms varyBitpanda CardAsset sale fees on payments, Limited cashback eligibility
Costs
7 fields- Plan cost
- Brighty Card$0Bitpanda Card$0
- FX fee
- Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sourcesBitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- Brighty Card0.3–0.7%Bitpanda CardEUR SEPA deposits and withdrawals: no Bitpanda fee. PayPal deposit: 1.49%. Bank charges and other methods may differ. These fund the provider account
- Card spending fee
- Brighty CardNot disclosedBitpanda CardNot disclosed
- ATM fee
- Brighty CardNot disclosedBitpanda Card2%; min €2
- Virtual card
- Brighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolvedBitpanda CardNot disclosed
- Physical card
- Brighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue priceBitpanda CardFirst card free. One active physical card per user.
Plans
2 fields- Available plans
- Brighty Card3 plans: One, Plus, ProBitpanda Card1 plans: Standard
- Top cashback plan
- Brighty CardOne: 0.5%Bitpanda CardStandard: 1%
Everyday use
8 fields- Network
- Brighty CardVisa/MastercardBitpanda CardVisa
- Card formats
- Brighty CardVirtual, PhysicalBitpanda CardVirtual, Physical
- ATM withdrawals
- Brighty CardAvailableBitpanda CardAvailable
- Mobile wallets
- Brighty CardApple PayBitpanda CardApple Pay, Google Pay
- Apps
- Brighty CardiOS, AndroidBitpanda CardiOS, Android, Web
- Daily spending limit
- Brighty CardPublished period is ambiguous: virtual Visa €15k on One/Plus/Pro; virtual Mastercard €50k / €75k / €100k on One / Plus / ProBitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- Brighty CardPublished period is ambiguous: physical Visa €15k on both Plus and ProBitpanda Card€280,000 per month
- ATM limit
- Brighty CardATM withdrawal limits are not published; only physical Visa fees are knownBitpanda Card€500 per day
Funding & transfers
5 fields- Networks
- Brighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6Bitpanda CardNot disclosed
- Crypto deposits
- Brighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETHBitpanda CardStablecoins: USDC
- Fiat deposits
- Brighty CardSEPA / Faster Payments, SWIFTBitpanda CardEUR SEPA deposit
- Transfers
- Brighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payoutBitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- Brighty CardEUR, GBP, USD, AEDBitpanda CardEUR
Rewards
3 fields- Base cashback
- Brighty Card0.5%Bitpanda Card1%
- Max cashback
- Brighty Card1.8%Bitpanda Card1%
- Reward currency
- Brighty CardUSDCBitpanda CardSame eligible cryptocurrency used for payment
Earn
5 fields- Advertised APY
- Brighty CardNot disclosedBitpanda CardNot disclosed
- How it works
- Brighty CardEarn on spending balanceBitpanda CardEarn on spending balance
- Separate deposit
- Brighty CardNoBitpanda CardNo
- Use balance for spending
- Brighty CardYesBitpanda CardYes
- Lock-up
- Brighty CardNoBitpanda CardNo
Trust & availability
7 fields- Custody
- Brighty CardCustodialBitpanda CardCustodial
- Control until payment
- Brighty CardProvider controls fundsBitpanda CardProvider controls funds
- Card issuer
- Brighty CardWallester ASBitpanda CardTransact Payments Malta Limited
- Card processing
- Brighty CardNot disclosedBitpanda CardMarqeta
- Custody / key management
- Brighty CardFireblocksBitpanda CardNot disclosed
- Identity verification
- Brighty CardSumsubBitpanda CardNot disclosed
- Programme operator
- Brighty CardBTY Digital AGBitpanda CardNot disclosed
Sources
2 fields- Official sources
- Brighty Card25Bitpanda Card16
- Last reviewed
- Brighty CardOct 6, 2026Bitpanda CardOct 6, 2026
04 · The trade-off
Bitpanda Card is the stronger all-round choice
Bitpanda Card finishes ahead with an Overall Score of 73 versus 70 for Brighty Card. Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). Bitpanda Card has the higher published base cashback rate (1% vs 0.5%).
Brighty Card still comes out ahead for Travel, Funds control, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Brighty Card and Bitpanda Card use the same custodial balance setup.
Brighty Card lists more stablecoins and ways to send money out (5 vs 4). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Brighty Card and Bitpanda Card reviews first.
Continue with
Brighty Card
Continue with
Bitpanda Card
05 · Common questions
Brighty vs Bitpanda FAQ
Is Brighty or Bitpanda better overall?
Bitpanda Card has the higher Overall Score (73 vs 70). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Brighty or Bitpanda?
Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Brighty or Bitpanda?
Bitpanda Card has the higher published base cashback rate (1% vs 0.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Brighty and Bitpanda differ on custody?
Brighty Card and Bitpanda Card use the same custodial balance setup.
How current is this Brighty vs Bitpanda comparison?
The latest information check for these two cards was October 6, 2026, using 41 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.