Brightwell has a new, blue, look!

Brightwell Navigator is getting a new look. You will still get all the same great features you expect, but with a new look and a new app icon.
Blue square Brightwell Navigator logo
Enhancements to FaceCheck login

Your money.
Your choices.

With Brightwell, you choose how you manage your money – save it, spend it, or send it from our app to your bank account, virtually anywhere in the world, all safely and easily with Brightwell Navigator. Wherever your life takes you, Brightwell keeps you connected to and in control of your finances.

New to Brightwell Navigator?
Let’s get started.

So you got your new Brightwell Card. Now what? This video will introduce you to the features of your Brightwell Card and the Brightwell Navigator mobile app.
A black and white picture of a credit card.

Let’s get you enrolled 

Before you start enrollment, make sure you gather the following items: 

  • Your Brightwell card 
  • Your crew ID number 
  • Your passport number 
  • Your birthdate 
  • Your home address 
  • Your email address 
  • Your bank account number 
  • Your bank routing number or IFSC code 
  • Your bank's mailing address 
  • Your bank’s SWIFT code

Setting up your account is quick and easy. Download the Brightwell Navigator mobile app to get started.

App store iconGoogle play icon

Additional how-to videos

How to send money

With Brightwell, you can choose from many different ways to send money home. Read the FAQs and watch the videos to learn how.

A black and white picture of a credit card.

OnDemand Transfer

Send money to a bank at the best time for you. You decide how much to send and when to send your money.

  • Login to your Brightwell Navigator account  
  • If you need to add a new bank account, click on Bank Account at the top > Add Bank Account 
  • Choose the country where the beneficiary bank is located 
  • Click Next 
  • Choose the currency that you want the money to be received in (**Important note: if you are sending USD to a foreign bank (non-US) then you will likely be charged additional fees from the beneficiary or intermediary bank between $30 - $50 per transfer in addition to the Brightwell fee) 
  • Confirm the country and currency 
  • Enter the Beneficiary and Bank details (you will need to get all of this information from the beneficiary bank) 
  • Once bank accounts are entered, choose the amount you want to send, approve the FX rate and Brightwell fee and proceed to process.


Allocate your pay, send to a bank account every payday. 

  1. Log in to your Navigator account 
  2. Go to Settings
  3. Click DirectPay 
  4. Choose the bank account and the percentage you want to go directly to that bank every payday. If you have not setup your bank account yet, please exit the page and go to Bank Accounts and set up your bank from there. If you already have done this before, please proceed to step 5. 
  5. Click Submit and Done. 

Cash Pickup

Send cash in minutes to thousands of locations around the world.*

  • Cash Pickup is the fastest way to send money with Brightwell. Your family can pick up the money anywhere that the service Transfast or Moneygram is provided. Cash is available in 24 hours or less* 
  • To send Cash Pickup, either log into the Brightwell Navigator mobile app (or the website), select Cash Pickup and follow the instructions. 
  • Important! At the end of the transaction on the receipt, you will get a Transfast PIN or MoneyGram Reference Number that you give to the receiver to pick up the money.

* Not a feature of all Brightwell Navigator programs

* Verification times vary and may delay delivery of funds to the Receiver.


Send to account or for cash pickup right from the Brightwell Navigator mobile app.  

Follow these steps to access Western Union.®  

  1. In the app, press the green Send Money button.  
  2. Tap Send with Western Union®, this will open a new web browser on your device. 
  3. Enter username and password. Use your Western Union® username and password. If you do not have one, register a new account. 

Card-to-Card Transfer

Quickly send money to another Brightwell cardholder.* 

This is an easy way to send money to a family member or another Brightwell card holder with a Companion Card. You need the card number, expiration month and year. You can save this information for easy transfers in the future. 

  1. Login to Navigator and tap Send Money 
  2. Tap on Card-to-Card Transfer and enter in the amount you want to send. 
  3. Select the card you want to send it to and Tap Transfer Now. 

Review details then press confirm. 

*Not a feature of all Brightwell Navigator programs

Companion Card

A Companion Card is a second Brightwell Card that a crew member can request for a family member or friend. The Companion Cardholder must be at least 18 years old with a valid government ID. The Companion Card can be used at an ATM for cash withdrawal, online, and in-store for purchases. The Companion Card’s balance is separate from the primary card and has its own account on Brightwell Navigator.

To request a Companion Card:

  1. Primary cardholder will log in to the website platform of Navigator, 
  2. Click “My Card” on the top bar
  3. Select “Request a Companion Card” on the left-hand menu 
  4. Complete the request form 
  5. Attach a scan of the government-issued photo ID of the companion
  6. Check the boxes to agree with the terms and conditions 
  7. Submit the request. Please allow up to 3-5 business days to process


Protecting your hard-earned money is our number one priority at Brightwell. To keep your funds safe we offer the following: 

  • Security monitoring – we have a team dedicated to monitoring transactions every single day. 
  • Fraud protection – zero liability for fraud. 
  • Report fraudulent transactions & the Brightwell customer support team will investigate and refund the full amount spent. 
  • Enhanced security with FaceCheck. 

What can you do to keep yourself safe? 

  • Keep your card with you or in a SECURE PLACE at all times to help prevent fraudulent use. 
  • Keep your PIN, Username and Password secret; DO NOT give them to anyone, including your friends or family members. 
  • If your Brightwell Card is lost or stolen, contact the Crew Officer or Brightwell support IMMEDIATELY. Lost or stolen cards can be replaced onboard. 
  • DO NOT use other team members’ laptops. 
  • Remember to LOG OFF the web site when you are finished. 

Set up FaceCheck

FaceCheck is Brightwell’s most advanced and secure login feature. 

To log in to your account, you will now use FaceCheck instead of your password. Fraudsters will not be able to take over your account anymore by stealing or guessing your password. 

  1. Log in to Navigator using your username and password 
  2. Facecheck information will appear, then tap Set up now 
  3. Tap Enable camera to allow FaceCheck to access your camera 
  4. Center yourself in the screen, make sure you have good lighting, then tap I am ready 
  5. Follow the on-screen instructions 
  6. Wait until you see the confirmation screen that says FaceCheck setup is complete! We will send you a confirmation email.  

Protect your money from fraud.

Learn the top 5 tricks fraudsters use to steal your information and take your money.

Need help?

Submit ONE support request 

Start with the most important request, then your support agent can help with any others. 

Screenshot any errors 

Send us any errors you see with your support request. We can solve problems faster this way! 

Get your crew ID or passport 

Have either your Crew ID or passport nearby because we may ask to verify your identity. 

How to contact support

Sometimes you need help. We are here for you 24/7/365. Follow these steps to open a support ticket and get the help you need.

Frequently asked questions

Here you will find answers to some of the most frequently asked questions. Still need help? Contact Us

What if I need to dispute a transaction?

If there is a transaction that you do not recognize or cannot resolve with a merchant, please submit a support ticket online providing the details of your dispute, including the date, transaction description and amount for the dispute process to be handled properly. If our investigation finds that an error occurred, your account will be refunded accordingly.

How does Brightwell protect my money?

Funds on your Brightwell card are insured up the amount on the card. Your Brightwell card and online accounts are protected through your credentials — a unique user name and password. Do not share this information with anyone. Your funds are no longer protected if you give your password, PIN, or CVV to someone else.

What if my card is lost or stolen?

To report a lost or stolen card, contact Support immediately via your Navigator online account by creating a support ticket or by calling +1 855-821-4694 or +1 404- 855-2475. Support will restrict the lost or stolen card and assist with replacing your card. Once you notify Support, your funds are no longer at risk.

How does the currency conversion work?

The balance of your Brightwell Card is maintained in US dollars or in Euros. Anytime your card is used to make a purchase or cash withdrawal in a currency other than the card currency, a currency conversion fee will apply. The transaction will be converted to your card currency and deducted from your card.

Can I send wages to my bank account from my Brightwell Card?

Yes. You can either allocate your wages to one bank account, or split between two bank accounts and a Brightwell Card. You can also create an OnDemand transfer. It is recommended that you allocate wages to your Brightwell Card for personal use while in port. Sending money to both your Brightwell Card and a beneficiary bank account provides you with the best of both worlds.

Is the Brightwell Card a credit card?

No, the Brightwell Card is not a credit card and it requires no traditional bank account. However, when making purchases you can select to run the card as Credit (preferred) or Debit (PIN required).

Find answers to more frequently asked questions here.
Here are some common terms used when talking about banking, sending money, and other common Brightwell terms.
  • The Brightwell Visa® Prepaid Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Bancorp Bank; Member FDIC.Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
  • The Brightwell Prepaid Mastercard is issued by Transact Payments Limited pursuant to a license from Mastercard International. Transact Payments Limited is authorized and regulated by the Gibraltar Financial Services Commission. Use your card everywhere Mastercard is accepted.