HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs Brighty: overall score versus use-case fit
Holyheld Card has the higher Overall Score by 5 points (75 vs 70). Holyheld Card looks stronger for Cashback and Funds control, while Brighty Card comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Aug 16, 202653 official sources reviewed
01 · Overall score versus use-case fit
Holyheld Card is the better all-round starting point
Holyheld Card has the higher Overall Score in this comparison. Brighty Card may be the better fit for Travel, Lowest fees, 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.
OverallHolyheld75Brighty70Higher score
CashbackHolyheld64Brighty48Higher score
TravelHolyheld68Brighty80Higher score
Funds controlHolyheld74Brighty65Higher score
Lowest feesHolyheld67Brighty68Higher score
TransfersHolyheld81Brighty93Higher score
Choose Holyheld Card if cashback and funds control matter most
Holyheld Card comes out ahead for Cashback and Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
Choose Brighty Card if travel and lowest fees matter most
Brighty Card comes out ahead for Travel, Lowest fees, 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
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
- Holyheld75Brighty70
Holyheld Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Holyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FXBrighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FX
Brighty Card has the lower published FX fee (Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Holyheld0.5% base · up to 1%Brighty0.5% base · up to 1.75%
Both cards show the same base cashback rate of 0.5%.
- Funds control
- HolyheldHybrid custodyBrightyCustodial balance
Holyheld Card uses a hybrid custody setup, while Brighty Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- HolyheldVirtual + Physical · Apple Pay, Google PayBrightyVirtual + Physical · Apple Pay
Holyheld Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Holyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transferBrighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
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%
- Plan cost
- $0
- FX fee
- Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- ATM fee
- Up to EUR 2 + 2.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 3 crypto · 1 fiat
- 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
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
CardsHolyheld CardOverall75Brighty CardOverall70
Holyheld CardOverall75Brighty CardOverall70Scores
6 fields- Overall Score
- Holyheld Card75Brighty Card70
- Cashback score
- Holyheld Card64Brighty Card48
- Travel score
- Holyheld Card68Brighty Card80
- Funds control score
- Holyheld Card74Brighty Card65
- Lowest fees score
- Holyheld Card67Brighty Card68
- Transfers score
- Holyheld Card81Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- Holyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardBrighty CardFree entry plan, USDC cashback
- Trade-offs
- Holyheld CardCountry eligibility is incomplete, Foreign spend can be expensiveBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- Holyheld Card$0Brighty Card$0
- FX fee
- Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencyBrighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- Holyheld Card0%Brighty Card0%
- Card spending fee
- Holyheld Card€0.50Brighty CardNot disclosed
- ATM fee
- Holyheld CardUp to EUR 2 + 2.5%Brighty CardNot disclosed
- Virtual card
- Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- Holyheld CardClassic: EUR 29; Metal: EUR 199Brighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- Holyheld Card3 plans: Classic, Limited Edition, MetalBrighty Card3 plans: One, Plus, Pro
- Top cashback plan
- Holyheld CardMetal: 1%Brighty CardOne: 0.5%
Everyday use
8 fields- Network
- Holyheld CardMastercardBrighty CardVisa/Mastercard
- Card formats
- Holyheld CardVirtual, PhysicalBrighty CardVirtual, Physical
- ATM withdrawals
- Holyheld CardAvailableBrighty CardAvailable
- Mobile wallets
- Holyheld CardApple Pay, Google PayBrighty CardApple Pay
- Apps
- Holyheld CardiOS, Android, WebBrighty CardiOS, Android
- Daily spending limit
- Holyheld CardEUR 10,000 dailyBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- Holyheld CardEUR 25,000 monthly; EUR 250,000 annuallyBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2Brighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- Holyheld CardStablecoins: USDC, USDTBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- Holyheld CardPersonal EUR IBANBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- Holyheld CardStablecoin transfers; Outgoing SEPA transferBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- Holyheld CardEURBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- Holyheld Card0.5%Brighty Card0.5%
- Max cashback
- Holyheld Card1%Brighty Card1.8%
- Reward currency
- Holyheld CardUSDCBrighty CardUSDC
Earn
5 fields- Advertised APY
- Holyheld CardNot disclosedBrighty CardNot disclosed
- How it works
- Holyheld CardOptional earn vaultBrighty CardEarn on spending balance
- Separate deposit
- Holyheld CardYesBrighty CardNo
- Use balance for spending
- Holyheld CardNot disclosedBrighty CardYes
- Lock-up
- Holyheld CardNoBrighty CardNo
Trust & availability
6 fields- Custody
- Holyheld CardHybrid custodyBrighty CardCustodial
- Control until payment
- Holyheld CardProvider controls fundsBrighty CardProvider controls funds
- Card issuer
- Holyheld CardUnlimit EU LtdBrighty CardWallester AS
- Custody / key management
- Holyheld CardNot disclosedBrighty CardFireblocks
- Identity verification
- Holyheld CardSumsub / IdenfyBrighty CardSumsub
- Programme operator
- Holyheld CardHolyheld Labs AGBrighty CardNot disclosed
Sources
2 fields- Official sources
- Holyheld Card28Brighty Card25
- Last reviewed
- Holyheld CardAug 12, 2026Brighty CardAug 16, 2026
04 · The trade-off
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 70 for Brighty Card. Brighty Card has the lower published FX fee (Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Both cards show the same base cashback rate of 0.5%.
Brighty Card still comes out ahead for Travel, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Holyheld Card uses a hybrid custody setup, while Brighty Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
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 Holyheld Card and Brighty Card reviews first.
Continue with
Holyheld Card
Continue with
Brighty Card
05 · Common questions
Holyheld vs Brighty FAQ
Is Holyheld or Brighty better overall?
Holyheld Card has the higher Overall Score (75 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, Holyheld or Brighty?
Brighty Card has the lower published FX fee (Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Holyheld or Brighty?
Both cards show the same base cashback rate of 0.5%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Holyheld and Brighty differ on custody?
Holyheld Card uses a hybrid custody setup, while Brighty Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Holyheld vs Brighty comparison?
The latest information check for these two cards was August 16, 2026, using 53 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.