Brighty Review 2026
EU IBAN + crypto + 5% stablecoin yield in one app
MiCA Compliant Estonian FIU LicensedEU Registered
Affiliate disclosure: Some links on this page are affiliate links. If you open an account, we may earn a commission at no extra cost to you. This never influences our scores or rankings — see our methodology.
BC
6.5
Brighty
EU IBAN + crypto + 5% stablecoin yield in one appThe most promising new entrant in EU crypto banking — IBAN, Visa card, and 5% stablecoin yield in a clean app, but still early-stage with a small user base.
★ 4.2 Trustpilot
MiCA Compliant Estonian FIU LicensedEU Registered
Brighty: Pros & Cons
✓ Pros
- ✓ Full EU IBAN + Visa card + 5% stablecoin yield in one app
- ✓ 4.2/5 Trustpilot — above average for the space
- ✓ Generous free tier — full IBAN and card access
- ✓ Simple, clean UX — best onboarding for EU beginners
- ✓ SEPA transfers supported
✗ Cons
- ✗ Very new (2022) — small user base, limited track record
- ✗ Estonian FIU licence only — not a bank, no deposit guarantee
- ✗ Only 30 coins — limited selection vs larger platforms
- ✗ No crypto-backed loans
- ✗ 5% APY limited to stablecoins only
Our Score Breakdown
6.5 / 10
Regulatory Safety 20% 5
Yield / Earn Rates 15% 6
Banking & Fiat 13% 8
Debit Card 12% 7
Fees 12% 8
Coin Selection 10% 5
User Experience 10% 7
Customer Support 8% 7
Scores are weighted composites across 8 criteria. See full methodology →
At a Glance
Max APY
5%
Coins
30
Trustpilot
4.2/5
Founded
2022
FDIC Insured
No
MiCA Compliant
Yes
IBAN Account
Yes
Debit Card
Yes
Key Features
- ▸ EU IBAN account (SEPA transfers)
- ▸ Visa card (crypto and fiat spending)
- ▸ 5% APY on USDC and USDT stablecoins
- ▸ Crypto exchange (30+ coins)
- ▸ Instant crypto-to-fiat conversion
- ▸ Multi-currency account support
- ▸ Send and receive crypto and fiat
Pricing & Plans
Standard Free
Full IBAN + Visa card + crypto access + 5% APY
Premium €9.99/mo
Higher limits; priority support; better exchange rates
Regulatory Status
Estonian FIU Virtual Currency Service Provider licence; not a full bank
MiCA Compliant Estonian FIU LicensedEU Registered
Frequently Asked Questions
Is Brighty safe? +
Brighty has a regulatory status of: Estonian FIU Virtual Currency Service Provider licence; not a full bank. The platform is MiCA compliant. Always verify current regulatory status directly with the platform before depositing.
What is the maximum APY on Brighty? +
Brighty currently offers up to 5% APY. Rate as of 2026-03-13. Rates change — always check the platform for current rates before depositing.
Where is Brighty available? +
Brighty is available in: EU. Markets served: EU/EEA countries.
Does Brighty have a debit card? +
Yes. Brighty offers a debit card. Visa card (crypto and fiat spending)
Compare Brighty vs Competitors
Ready to open a Brighty account?
Opens in a new tab. Affiliate link — we may earn a commission.
Open Brighty Account ↗