HPX crypto card reviewed from the user's side: eligibility, fees, top-up paths and the things the help pages do not say
Available in US
HPX is a crypto-to-fiat payment card issued through the HPX wallet app. The pitch is simple enough: you keep crypto on the platform, you top up the card from that balance, and you spend in US dollars or euros wherever a regular card is accepted. In practice, the experience is shaped by things the marketing page does not lead with, such as where the card actually works, who can apply for one, and how transparent the fee schedule is. I went through the help center, the App Store listing, and the user feedback, and this review puts all of that side by side so you can decide whether the card fits your situation.
The information in this review reflects what the card and app publicly state as of October 28, 2026.
My verdict on the HPX card
HPX lands at 4.7 out of 10 in my scoring, and the breakdown shows why the average is so much lower than the strongest individual scores.
| Criterion | Score | What I found |
|---|---|---|
| Who can get it | 6 / 10 | The application is restricted in Mainland China, Russia, Turkey, Pakistan and other countries; the help center notes the list changes with policy, and the countries outside the restricted group are not all named. |
| Cost | 3 / 10 | The annual fee for the physical card is USD $60 and is taken from your first deposit; the card-opening fee is paid before review and its amount is not published. |
| Top-up options | 6 / 10 | You can fund with USDT, BTC, and ETH, and the wallet converts to USD or EUR on the card; the specific blockchain networks are not stated on the public pages. |
| Reliability and complaints | 3 / 10 | The card issuer and the licences behind the programme are not named; the developer is CIPHERBC PTE. LTD. The App Store rating is 3.3 out of 5 from 135 ratings, and recurring complaints mention stuck coins and frozen accounts. |
| Everyday use | 6 / 10 | A physical and a virtual USD card are available, and the App Store description claims “tens of thousands of ATMs worldwide”; whether the card works in Apple Pay or Google Pay is not stated. |
| Total | 4.7 / 10 |
The audience that gets the most out of HPX is narrow: someone who is already using the HPX wallet for crypto and wants a USD-denominated card to spend from that balance. For anyone shopping for a crypto card from scratch, the unknowns about the issuer, the licensing, and the fee structure are large enough to push you toward a more transparent programme.
Who HPX will and will not let through the door
The first question to answer is whether you can apply at all. The help center states that applications are restricted in Mainland China, Russia, Turkey, and Pakistan, alongside other countries the company does not enumerate. The list is described as moving with policy, which means it can change without much advance notice. Users who already held a card in restricted regions are generally unaffected, with the help center calling out Russia as the one exception.
The restriction appears to be residence-based, because the help center text describes “users in restricted regions” rather than citizens of those countries. The card’s public pages do not separately state a citizenship rule, so what matters is the country you are living in when you apply, and you should assume that the card can ask for proof of that residency even if it is not on the published checklist. The country list outside the restricted group is not given, which is one of the things that makes the eligibility section feel thin: there is no way to know from the website alone whether your specific country is open.
How to sign up for the HPX card
The application flow runs through the HPX wallet app, and the help center is direct about what is and is not accepted. You need a passport — national ID cards are not accepted, and the name on the application has to match the name on the passport. You submit the KYC documents through the app, and once the review is approved, the card is shipped and arrives within 30 days. A card-opening fee is paid before the review begins; how much that fee is has not been published.
The level of detail stops there. The public pages do not state a minimum age, do not ask for proof of address as part of the signup flow described in the help center, and do not describe rejection reasons or the different KYC tiers you might encounter. If you need that level of detail before you start — for example to budget your time or to know what happens if the documents are not accepted — the card does not give you a published answer, and you would have to ask support.
A few products have appeared and disappeared. The App Store description points to a USD physical card and a USD virtual card, both prepaid, with crypto converted to USD or EUR at the moment of spending. Unofficial third-party coverage of the broader brand describes both US-dollar and euro versions in virtual and physical form, and the help center itself notes that a “Global Travel Virtual Card” has been suspended for new applications. The card network (Visa or Mastercard) is not stated on the public pages, which is unusual and worth checking before you assume your favourite merchant will accept it.
What the HPX card really costs (fees, charges and the gaps in the schedule)
Cost is the weakest part of the package, and the published numbers are only a starting point. The most concrete figure is the USD $60 annual fee for the physical card, which is deducted from your first deposit. The USD virtual card has, at times, been promoted with a zero-fee offer, although the help center pages read in October 2026 do not confirm whether that promotion is still live, and a “PRO” tier of the virtual card is referenced in third-party coverage. The card-opening fee is paid before KYC review, and its amount is not published anywhere on the help pages or the App Store description, which is unusual for a regulated product.
Beyond the annual and opening fees, the public pages do not publish a fee table. The App Store description does not list a conversion fee, does not list a foreign-exchange fee, does not list ATM fees, and does not publish a daily or monthly spending limit. An unofficial source puts the daily spending limit at “USD 50,000 / no limit,” which is not a number the company confirms, so treat it as a rough third-party estimate rather than a fact.
| Fee or limit | Published amount |
|---|---|
| Physical card annual fee | USD $60 (deducted from first deposit) |
| Card-opening fee | Amount not stated (paid before KYC review) |
| Conversion fee | Not stated |
| Foreign-exchange (FX) fee | Not stated |
| ATM fee and allowance | Not stated (App Store claims “tens of thousands of ATMs worldwide”) |
| Daily and monthly spending limits | Not stated |
| Virtual card | Time-limited zero-fee offer referenced; current status not confirmed |
The everyday examples show why this matters. Take a USD 100 coffee: the card converts whatever crypto balance you spent from into USD before the payment goes through, and the conversion rate is the one the app shows you at that moment; if the spread between the market rate and the rate the app uses is the conversion fee, you will not see that number separately. Take the same card at a Paris café: the payment is in euros, and the App Store description says balances are held in USD or EUR, so you are paying whatever FX margin the programme charges — which the company has not published. Take an ATM withdrawal abroad on the physical card: the App Store advertises tens of thousands of ATMs worldwide, but the fee per withdrawal, the monthly allowance, and whether the ATM operator adds its own surcharge are not on the public pages. Each of these everyday payments therefore carries a fee you cannot quote before you make it, which is the practical effect of an unpublished fee schedule.
Top up options for the HPX card
Funding the card is the part the App Store description is most concrete about, and it is also where the published information stops early. The wallet accepts crypto deposits in USDT, BTC, and ETH, and the card-side conversion turns those deposits into USD or EUR balances on the prepaid card. The help pages do not name the blockchain networks those tokens are accepted on, which matters because sending USDT to the wrong network is one of the most common ways to lose money in crypto. The card description does not list a minimum or maximum top-up, does not list a confirmation time, and does not describe a withdrawal function from the card back to your bank or your own wallet.
The most practical question, then, is whether the wallet’s deposit screen tells you the network before you send, and whether the help center covers that step. If you are already an HPX wallet user, the in-app deposit flow is the place to verify the supported network for each token before you move funds; if you are new, you are trusting that screen to give you the right answer without a published backup.
Paying with the HPX card in everyday situations
Once the card is loaded, the daily-use question is whether it behaves like a normal card. The App Store description presents it as a prepaid card linked to the crypto wallet, with USD and EUR balances, and the same listing claims tens of thousands of ATMs worldwide. The help pages do not state whether the card can be added to Apple Pay or Google Pay, which is a meaningful gap because mobile wallets are the default for many people in 2026 and the card should at least confirm it. The card description does not publish a list of blocked merchant category codes, so it is not clear from the public information whether the card works at gambling sites, cryptocurrency merchants, or other categories that crypto cards often restrict.
The app itself is the more measurable part of the experience. The iOS listing, read in October 2026, gives HPX a 3.3 out of 5 from 135 ratings, requires iOS 15 or later, sits at version 5.6.270301, and is rated 16+. The Google Play rating is not published in the materials I was able to review. The app lists English and 17 additional languages, so you can check the in-app settings to see if your preferred language is supported.
On rewards, the public pages are silent. There is no published cashback rate, no points programme, and no merchant-specific bonus. The comparison with mainstream crypto cards is unflattering here: competitors publish percentages, and the absence of any published reward is itself a signal.
What can go wrong with the HPX card
The risk section is the part I weighed most heavily when I scored the card, and it is the section the public information makes hardest to dismiss.
The first risk is the company itself. The App Store lists the developer as CIPHERBC PTE. LTD., with the copyright shown as HYPER BC PTE. LTD., and the site hyperpay.tech redirects to hpx.com, so HPX is the rebrand of HyperPay as of July 2025. The card’s public pages do not name a card issuer, do not name a BIN sponsor, and do not name the licence or licences the programme runs under. In a crypto card, the licence is what gives you a route to complain if the issuer goes wrong, and “not stated” is the worst possible answer because it leaves the reader with no way to verify the programme’s standing.
The second risk is in the complaint pattern. The App Store rating of 3.3 out of 5 from 135 ratings is mediocre on its own, and the recurring themes from 2022 through 2024 are more worrying. Users describe coins stuck in “reviewing” for days with support tickets unanswered, accounts frozen without explanation, an inability to withdraw or transfer, one report of funds moved to an unknown address, and one report of an excessive fee. A 2022 review goes further and calls the product a scam, citing a card charge that was labelled as an airline ticket and a withdrawal that could not be completed; the developer’s reply points to the in-app support and a Telegram group. I could not find a Trustpilot or Reddit thread specifically about HPX (only HyperX and HP results), so the negative feedback is concentrated in the App Store reviews and in the secondary aggregators that pull from them.
The third risk is operational. The help center’s own page notes that the Global Travel Virtual Card is suspended for new applications, and Russia is named in the restricted-regions list with no “grandfathering” for existing users, which means products and regional access can change on the company’s side and you are not necessarily protected.
The fourth risk is the support channel. The developer’s responses to negative reviews direct users to the in-app Help Center (“My Work Order”) and a Telegram “Contact Us” group, with the help center at help.hpx.com. The help center’s English path is reachable, the app lists 18 languages, and the support hours are not published. A card that puts customer service behind a Telegram group and an in-app ticket is not unusual for crypto-native products, but it does mean that if the app stops working for any reason, your support path narrows fast.
The fifth risk is the security model, and the help pages here are more reassuring. The App Store description says the app holds an off-chain wallet (platform-held, with an “SBC risk control system” and multi-signature co-management) and an on-chain wallet where the private keys are stored locally under BIP32/39/44/45 standards, and the developer states that it collects no data. Card-freeze functionality, two-factor authentication, and insurance are not stated, so I would not assume any of them; treat the absence of those statements as a feature gap rather than a feature.
What to take instead of the HPX card
If the unknowns above are pushing you away from HPX, three cards in the same category are worth weighing. They differ in geography, fee structure, and rewards, so the right pick depends on where you live and how you plan to fund the card.
TokenPocket (scored 5.8 / 10). A Visa debit card in a list of European countries including Germany, France, Spain, and Switzerland, and a Mastercard debit card in Australia, Canada, Hong Kong, Japan, Taiwan, New Zealand, Singapore, South Korea, and the UK, among others. Cards run on Arbitrum, balances are held in EUR24 and USD24, and the company says there is a 1% fee on crypto deposits to the card, which is “later refunded” through rewards or reduced transaction fees. The other fees, including any FX margin, are not stated.
MetaMask Card (scored 7.1 / 10). A Mastercard with a virtual card issued first (instant) and a Metal card available for pre-order in the app. The issuer is named (Monovate) and the card provider is named (Crypto Life). The virtual card is free, with no annual or maintenance fee; the Metal card is USD $199 a year. The programme supports 45 listed countries and territories (with examples including Andorra, Argentina, Brazil, Canada, Mexico, Germany, France, Spain, and Uruguay), with other regions on a waitlist. The card spends directly from the connected wallet on Linea, Base, Monad, and Solana, and the listed tokens include mUSD, wETH, EURe, GBPe, USDC, and USDT, with the page noting nine in total. Cashback is paid in mUSD into the Money Account: 1% on the Virtual card, and headline 3% on Metal with a footnote that limits 3% to the first USD 10,000 spent and 1% thereafter. There is also a $FLY bonus of 5X on Virtual and 7X on Metal through the Blackbird dining app.
KAST (scored 6.1 / 10). A Visa programme with up to 10 cards per user, in three tiers (Standard, Premium, Private) and a number of designs including Pengu, Solana, and Bitcoin. The account balance is held in USD, with stablecoin deposits converted 1:1 at a 0% spread. Annual membership is USD 0 for Standard, USD 1,000 for Premium, and USD 10,000 for Private, billed annually upfront. The published fee schedule is the most transparent of the four: 0% on stablecoin top-up, 0% on card spend in USD, 0% on transactions, 0% on Apple Pay and Google Pay, and a 0.5% to 1.75% non-USD FX fee depending on residence country, transaction country, and card programme. Cashback in USD runs from 1.5% on Standard (capped at USD 2,000 a month) to 3% on Private (capped at USD 40,000 a month), with KAST Points on top for Premium and Private. KAST is also the only one of the three that names a residence-based restriction at the KYC step itself.
| Alternative | Score | Annual fee | FX fee | Cashback | Issuer named |
|---|---|---|---|---|---|
| TokenPocket | 5.8 / 10 | Not stated (no annual fee stated) | Not stated | Not stated (1% deposit fee refundable via rewards) | Not stated |
| MetaMask Card | 7.1 / 10 | USD $0 Virtual / USD $199 Metal | Mastercard rate, no MetaMask fee | 1% Virtual / 3% Metal (1% after USD 10,000) | Yes (Monovate, Crypto Life) |
| KAST | 6.1 / 10 | USD 0 / 1,000 / 10,000 by tier | 0.5%–1.75% non-USD | 1.5% / 2% / 3% by tier, capped | Not stated in this material |
If you want a named issuer and a transparent fee schedule, MetaMask Card is the strongest of the three on the information published. If you want a tiered programme with US-dollar cashback and published FX fees, KAST is the clearer fit, although the membership price of Premium and Private puts them out of reach for most people. TokenPocket is the weakest of the three on the published material, but its regional availability includes both Europe and a wide Asia-Pacific list, which is the practical reason to consider it.
Who I would recommend the HPX card to
Putting the score and the unknowns together, my honest read is that the HPX card is a niche product for an existing HPX wallet user who wants a USD-denominated card to spend from a balance they are already keeping on the platform. If that is you, the card does what the App Store description says it does: it converts USDT, BTC, and ETH into USD or EUR on a prepaid card, with a physical and a virtual option, and a physical card that costs USD $60 a year deducted from your first deposit.
If you are not already an HPX user, the case is harder. The annual fee is concrete, the card-opening fee is not, the conversion fee is not, the FX margin is not, the ATM fee is not, the daily and monthly limits are not, the Apple Pay and Google Pay support is not, the issuer is not, and the licence is not. Each of those gaps is small on its own, but together they describe a programme whose cost you cannot fully quote before you sign up, and whose standing you cannot verify from a regulator’s register. The complaint pattern, the lack of a published fee table, and the 3.3-out-of-5 App Store rating all push in the same direction: this is a card to approach with the same caution you would apply to any product whose company name you cannot find on a financial regulator’s list.
For a first crypto card, MetaMask Card is the safer default. For a tiered programme with published FX fees and US-dollar cashback, KAST is the clearer fit. HPX is the right answer only if you are already inside the HPX wallet and the missing details do not change your decision.
Frequently asked questions
What is the HPX card?
The HPX card is a prepaid payment card linked to the HPX crypto wallet. The card’s balances are held in USD or EUR, and the wallet converts crypto deposits such as USDT, BTC, and ETH into those balances at the moment of spending. The card is available in a USD physical and a USD virtual version, and the App Store description presents it as a way to spend a crypto balance anywhere a regular card is accepted.
How does the HPX card work?
You hold crypto on the HPX platform, you deposit USDT, BTC, or ETH into the wallet, and the wallet converts that deposit into a USD or EUR balance on the card. When you pay, the card draws on that balance, and the merchant sees a regular card payment in fiat. The specific blockchain networks for the deposit are not stated on the public pages, so check the in-app deposit screen before you send funds.
Is HPX a bank?
HPX is not described as a bank on the public pages I reviewed. The App Store lists the developer as CIPHERBC PTE. LTD., and the brand was renamed from HyperPay to HPX in July 2025. The card’s issuer and the licence or licences the programme runs under are not named in the help center or the App Store description, so the card’s banking or e-money status cannot be confirmed from the public information.
Who owns HPX?
The App Store developer is CIPHERBC PTE. LTD., with the copyright shown as HYPER BC PTE. LTD., and the site hyperpay.tech redirects to hpx.com. The card issuer, the BIN sponsor, and the licence or licences are not stated on the public pages. The company rebranded from HyperPay to HPX in July 2025.
Is the HPX card available in my country?
The help center states that applications are restricted in Mainland China, Russia, Turkey, and Pakistan, along with other countries the company does not name, and the list is described as changing with policy. Existing users in those regions are generally unaffected, with Russia called out as the exception. The card’s public pages do not publish a full list of accepted countries, so the only reliable check is to look at the application screen in the app.
How do I get an HPX card?
You download the HPX wallet app, submit a passport-based KYC check (national ID cards are not accepted, and the name on the application has to match the passport), pay a card-opening fee before review, and wait for the card to arrive within 30 days of approval. The help pages do not publish a minimum age, do not require proof of address in the described flow, and do not list rejection reasons.
Does the HPX card require KYC?
Yes. The help center requires a passport for KYC, with the name on the application matching the name on the passport, and the card is shipped only after the review is approved. The card’s public pages do not publish KYC tiers, processing times, or rejection reasons, so the details beyond the passport step are not stated.
How do I top up the HPX card?
The wallet accepts crypto deposits in USDT, BTC, and ETH, and the wallet converts those deposits into USD or EUR balances on the card. The card description does not list the supported blockchain networks, the minimum or maximum top-up, or the confirmation time, so the in-app deposit screen is the place to confirm the network and limits before you send. The card does not describe a withdrawal function from the card back to your bank or your own wallet.
Is the HPX card safe?
The App Store description describes an off-chain wallet with platform custody, an “SBC risk control system,” and multi-signature co-management, alongside an on-chain wallet with private keys stored locally under BIP32/39/44/45 standards, and the developer states it collects no data. Card-freeze, two-factor authentication, and insurance are not stated, and the App Store rating is 3.3 out of 5 from 135 ratings, with recurring complaints about stuck coins and frozen accounts. Treat the security model as decent for a custodial wallet and the support model as thin, which is the practical safety picture for this card.
Is the HPX card worth it?
The published cost is USD $60 a year for the physical card, taken from your first deposit, plus a card-opening fee paid before review whose amount is not published, and the conversion, FX, and ATM fees are not published. The card is a reasonable fit for an existing HPX wallet user who wants a USD-denominated card to spend from a balance they are already keeping on the platform, and a poor fit for anyone shopping for a first crypto card with a published fee schedule and a named issuer.
Wallet cards in the catalogue – cryptocardcatalog
Content created by the «cryptocardcatalog» team