A USD prepaid card with a $60 physical fee and a lot of unsaid

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The HPX card is a prepaid card that sits on top of a crypto wallet. You load it with crypto, the app converts what you send into dollars or euros, and the card spends that balance like any other prepaid card. That much is clear enough from the app store listing. What I could not pin down is nearly everything a reader like you actually needs in order to decide: who issues the card, what the conversion costs, whether your country is on the list, and what happens to money that arrives on the wrong network. Those gaps are not nitpicks. They are the review.

I gave it 4.7 out of 10. I want to be clear about what that number means before anything else. It is not a fraud accusation — I found no evidence that HPX is dishonest. It is a judgement about how much of the basic information a card should publish and does not. An unnamed issuer, an unstated conversion fee, a $60 annual charge on the physical card that is taken from your first deposit before you have spent anything, and an app rated 3.3 out of 5 from 135 ratings in which users report coins stuck in review and accounts frozen without explanation. If you are one of the people the card is aimed at — HPX wallet users who want a plain USD card — the product probably does what it says. If you are choosing between cards on the basis of fees, limits and support, you cannot make that comparison here, because the card does not give you the numbers.

Conditions are current as of October 28, 2026

My verdict in detail

The score table below is my own assessment, criterion by criterion. The reasons are short because the underlying position is short: several of them are “not stated”, and that is the finding, not a placeholder.

Total: 4.7 / 10.

The pattern in that table is worth naming, because it explains almost everything else on this page. Two of the five criteria score a 6, and both of those are about things the card does or blocks. The three that score 3 or below are all about money and accountability: what it costs you, who stands behind it, and what happens when something goes wrong. A card that works as described and tells you nothing about its costs is a worse proposition than a card that is clumsier and transparent, because you cannot budget around the first and you can budget around the second.

Who this suits: you already use the HPX wallet, you want a USD-denominated card rather than a crypto-denominated one, you are comfortable verifying things for yourself in a help centre or Telegram group, and you can treat whatever you load as money you might have trouble getting back. Who it does not suit: anyone shopping on fees and limits, anyone in a restricted region, anyone who plans to hold a meaningful balance on the card long-term, and anyone who needs a named, licensed institution behind the plastic.

Will they give you the card?

The card’s own help centre is direct about this: the application is restricted in mainland China, Russia, Turkey, Pakistan and other regions, and the list changes as policy changes. People who already held a card in restricted regions are generally unaffected — the help text says “except in Russia”, which is the one place the carve-out does not apply. So Russia is named both as restricted for new applications and as not protected for existing holders. That is the single most important sentence on this page if you live there.

The rule looks like it follows residence rather than citizenship, but the card’s public pages do not state that outright, and citizenship is not addressed. For a reader in, say, Kazakhstan holding a Russian passport, that distinction is not academic — it decides whether you can apply. Nobody at HPX has published a page that settles it, so you should ask, in writing, before you send a passport to anyone.

A second question is whether the restriction list is the whole list. The help centre says the list changes with policy, which means it is a moving target. If your country is not named anywhere as restricted, that is not the same as a guarantee of approval.

One more thing about the products on offer, since it changes who can get what: a “Global Travel Virtual Card” is suspended for new applications according to a help notice. If you were reading about that card on a review site or a forum, you may be planning around something that is no longer open to new applicants.

How to get it

The route is short and passport-only. You submit a passport for KYC — identity cards are not accepted — and the name on your application has to match the passport. A card-opening fee is paid before the review, not after, so money leaves your account at the point where you have the least information and the least leverage: you have not been approved, and the amount is not published. The card arrives within 30 days of approval, which is the only delivery information the card gives. Which countries it ships to, what delivery costs, and how long you actually wait inside that 30 days are all not stated.

There is no published age requirement, no proof-of-address step, and no list of the reasons an application can be refused. That last one matters more than it sounds: without stated rejection reasons, a refusal is not something you can appeal against a rule.

I also could not find any published information about KYC levels, review processing times, or what triggers a manual check. Passport-only verification and a 30-day delivery window is the entirety of the documented process.

One thing that comes from outside the card’s own pages, and I am flagging as unofficial because the card does not confirm it: third-party descriptions of HyperCard say it has both virtual and physical types, denominated in US dollars and euros. The card’s own listing does confirm that USD physical and USD virtual cards exist and that deposits are converted to USD or EUR. The euro physical version rests on the third-party description only.

Fees and limits: what it really costs

This is where the card is weakest, and the problem is as much about silence as about price. Here is what is published, and the empty rows matter as much as the filled ones.

That last row needs unpacking, because the fees are not the same across those products. A $60 annual fee on a physical card and a zero-fee offer on a virtual PRO card are very different propositions, and the card does not set out what the virtual card costs as standard, nor what benefits attach to each tier. If you are choosing between the physical and the virtual card on price, you have one number and one piece of missing information that may be outdated.

Now the everyday examples. Take a coffee shop. You tap the card and the app converts what the coffee costs from your crypto balance into dollars. Which fee applies? The conversion fee — the one the card does not publish. You cannot tell whether the amount that leaves your wallet is exactly the price of the coffee or the price plus a percentage the card has never disclosed. Take a hotel abroad and you add a second unknown: the foreign-exchange fee for paying in another currency, also not stated. If the card loads dollars and you spend euros, someone converts between them, and the card does not say who keeps the margin. Take a cash withdrawal and you have a third unknown: the ATM fee and the allowance, against a claim of “tens of thousands of ATMs worldwide” with no conditions attached.

The honest summary is that the card’s price is a $60 annual fee you can see, plus an unknown percentage on conversion, plus an unknown percentage on currency, plus unknown charges at ATMs. For most daily spending in the card’s own currency, the unknown conversion fee is the number that matters, and it is the number you cannot get.

One figure circulates outside the card: a daily spending limit of $50,000 with no limit. It comes from a third-party source, it is not confirmed by the card, and I would not plan around it.

How to top up

Top-up is the simplest part of the offer and the least documented. Crypto deposits — USDT, BTC and ETH are named — are converted into USD or EUR on the card. That is the whole mechanism. The networks are not stated.

That gap is a practical trap rather than a technicality. USDT in particular exists on several chains, and sending it to an address belonging to a chain the card does not support can lose the money or send it into a manual recovery process with no guarantee of success. Blockchain transfers are irreversible in the way a bank transfer is not: there is no general chargeback, and no network can freeze or return what it considers delivered. If the card does not say which networks it accepts, you are the one who has to be right, every time, with no fallback. Before your first meaningful deposit, get the supported networks in writing. Ask in the help centre, keep the answer.

This is also where the wider stablecoin picture matters, and it is worth five minutes of your time before you send anything. USDT and USDC account for about 90% of stablecoin market capitalisation, so you will almost certainly be holding one of those two. They are not risk-free instruments: USDC lost its peg briefly in March 2023, and TerraUSD collapsed outright in May 2022. “Stablecoin” describes an aim, not an outcome. And transfers themselves cost money — on-chain gas on Ethereum, bandwidth and energy on Tron — charged by the blockchain rather than by the card provider, on top of whatever the card charges.

How to withdraw money from HPX is not stated either. If the card is a one-way street — money in, spend out — that is a material difference from a bank account, and you would want to know it before you rely on it.

Paying with it every day

Day to day, the card behaves like a normal prepaid card: USD physical and USD virtual cards, spend from the loaded balance, and in the pre-loaded model the card cannot overdraw because there is nothing to overdraw from. The app store listing claims access to “tens of thousands of ATMs worldwide”. Apple Pay and Google Pay support is not disclosed, neither is which merchant categories are blocked, and there are no stated rewards or cashback.

Two practical notes from how cards work in general, because they apply to any card of this type. First, your card number begins with an issuer identification number — a BIN — and any shop can look it up to see which institution and country issued the card. Some shops apply extra scrutiny when the issuer country differs from the billing address, and some decline prepaid cards outright once they see what the lookup says. That is not a HPX problem specifically; it is a fact about how a card looks at the till.

Second, online payments often go through 3-D Secure, the identity check branded Visa Secure or Mastercard Identity Check, where the issuer either approves the payment without interruption or challenges you with a code or a biometric prompt. Card providers typically also let you freeze the card instantly and set spending limits in the app. Whether HPX has any of that is not stated.

The app itself: on the US App Store, read on 2026-10-20, it was version 5.6.270301, iOS 15 and later, 420.5 MB, rated 16+, and scoring 3.3 out of 5 from 135 ratings. The Google Play rating could not be retrieved. No cashback is mentioned.

How a dispute works — who you call when a charge you did not make appears — is not stated, and for a card holding money rather than extending credit, that is a gap with real consequences.

What can go wrong

Start with the reviews, because that is where the card’s public record is least flattering. The App Store rating is 3.3 out of 5 from 135 ratings. An analysis of those same 135 reviews puts two-thirds of them as negative. Recurring themes, mostly from 2022 to 2024: coins stuck in a “reviewing” state for days with support tickets going unanswered, inability to withdraw or transfer, accounts frozen without explanation, one report of funds moved to an unknown address, one of a fee judged excessive. Some reviewers praise how easy it is to use. One 2022 review calls it a scam, describing a card charge labelled as an airline ticket that they could not withdraw funds from; the developer’s response pointed to in-app or Telegram support. A search of Trustpilot and Reddit found nothing about HPX — only unrelated HyperX results — so there is no independent review platform to compare this against.

Read those complaints as a list of failure modes, not as a verdict. Coins stuck in review, a frozen account with no explanation and money that cannot leave are three separate things that can happen to you, and none of them is a surprise to the app’s own designers.

Then look at the entity behind it. The App Store lists the developer as CIPHERBC PTE. LTD., with copyright to HYPER BC PTE. LTD., and the site hyperpay.tech redirects to hpx.com. The card issuer, the BIN sponsor and the licences are not stated. That is the structural problem underneath most of the rest. A prepaid card is issued by somebody under somebody’s licence, and when your money goes into a frozen review state, the question “licensed by whom, regulated where” is the first one that decides whether you get an answer. I found no licence or issuer events in the news, which is neutral — but silence on the question is not an answer.

On custody, the app store description splits the wallet in two: an off-chain wallet held on the platform with what it calls an “SBC risk control system” and multi-signature co-management, and an on-chain wallet with private keys stored locally under BIP32/39/44/45 standards. The developer states it collects no data. A self-custody layer is a genuine positive if you use it, but note what platform custody means when the platform is the thing deciding whether your account is frozen. Card freeze, two-factor authentication and insurance are not stated.

Support is in-app and Telegram. Developer replies point to the Help Center, where requests are tracked as “My Work Order”, or to a Telegram “Contact Us” group; the help centre is at help.hpx.com with an English path, and the app lists English plus 17 more languages without showing which. Hours are not stated. So: no phone number, no published response time, no stated hours, and no non-English language support is confirmed.

One piece of history that explains part of the confusion out there: the brand changed from HyperPay to HPX in July 2025. Older reviews and forum posts may describe a product with a different name. No licence or issuer events surfaced.

What to do with all this, practically. Assume money you load is money you may need support to get back. Keep a working record of every transaction ID. Ask the questions the card has not answered — supported networks, conversion fee, withdrawal, dispute process — in a ticket rather than a chat, so there is a written answer.

What to take instead

The comparison below is not against HPX on its own terms; it is a set of alternatives with published numbers, which is itself the argument. Their scores come from the same ten-point scale.

TokenPocket issues Visa debit cards across a listed set of European countries and Mastercard debit cards for Australia, Canada, Hong Kong, Japan, Taiwan, New Zealand, Singapore, South Korea, the UK and others, with the Americas planned for Q2 2025. It runs on Arbitrum, Fiat24 cards are virtual with no physical card mentioned, and balances are held in EUR24 and USD24. On rewards, no cashback is stated, but the 1% deposit fee is described as refunded later through rewards or reduced transaction fees — worth noting that the refund is a promise about the future, not a published rate.

KAST is the most transparent of the three on price, and also the most complex. It is residence-based, with the country list shown at KYC rather than published in advance, and citizenship matters independently: living in a supported country while holding an ID from a restricted region may still make you ineligible, though dual citizens with a supported-country ID may pass. Only your own ID is accepted and a VPN does not bypass this. You can create an account in an unsupported country but KYC stays locked. Cards run from Standard to Private, with annual membership of $0, $1,000 and $10,000, up to 10 cards per user, Visa Platinum through Visa Infinite metal and gold-plated. Balances are USD, stablecoin deposits convert 1:1 with a 0% spread, and it accepts USDT, USDC, PYUSD and RLUSD on Ethereum, Solana, Polygon, Arbitrum and Tron — while its own terms say the acceptable tokens are “currently USDT and USDC”, which is a conflict you would want resolved before depositing. Cashback runs 1.5%, 2% and 3% by tier up to monthly caps.

MetaMask scores highest here, and its structure is the cleanest: a free virtual Mastercard issued instantly by Monovate with a Metal version at $199/year, one card per user, spending directly from your connected wallet across Linea, Base, Monad and Solana. It requires proof of residency, opens sign-up in 45 listed countries and territories with others on a waitlist, and US and UK sign-ups were temporarily closed. On fees it says a minimal per-transaction fee with no FX fee, on the Mastercard rate. Cashback is paid in mUSD: 1% on Virtual, 3% on Metal up to the first $10,000 spent.

Every one of those alternatives has gaps of its own — unpublished amounts, waitlists, tier conditions — and I am not going to tell you which one to pick. But you can compute a budget on each of them, and on HPX you cannot.

Who I would recommend it to

I would recommend the HPX card to a narrow group, and the narrowness is the recommendation.

If you already hold crypto in the HPX ecosystem, you want a USD card more than you want to hold crypto, you live outside the restricted list, you have a genuine reason to expect cash-machine access in several countries, and you are the kind of person who keeps transaction records and can hold a balance you would not be devastated to lose — then it does a job. The concept is coherent: convert once, spend in dollars, avoid exchange-rate anxiety at the till.

I would not recommend it as your main or only card. The $60 annual physical fee is a real cost paid up front from your first deposit, the conversion and currency fees are unknown so your effective cost per purchase cannot be calculated, the issuer and licences are not named so you have no idea whose regulatory regime protects you, and the support record is thin and self-reported. An unnamed issuer is not automatically a bad one, but you are being asked to trust money to a structure that is not disclosed. With a 3.3 rating from 135 users and reports of frozen accounts and stuck coins, I would not put money on it that I needed to move.

If you are in mainland China, Russia, Turkey or Pakistan, this is not a question of suitability. The card’s own help centre says so.

Frequently asked questions

What is the HPX card?

HPX is a prepaid payment card linked to a crypto wallet. You send crypto to it, the app converts the deposit into US dollars or euros, and the card spends that stored balance. It is not a bank account and it does not extend credit — in the pre-loaded model the card simply draws down what you have put in. The app store listing describes both a USD physical card and a USD virtual card.

Is HPX a bank?

Not on the evidence available. The card’s public pages do not name the issuing institution, the BIN sponsor or any licence. The App Store lists the developer as CIPHERBC PTE. LTD., with copyright to HYPER BC PTE. LTD. A crypto brand is often only the front end of a card programme run by a licensed bank or e-money institution, but here that institution is not identified.

How much does the HPX card cost?

The physical USD card carries a $60 annual fee, deducted from your first deposit. A card-opening fee is also paid before your application is reviewed, and its amount is not published. The conversion fee, the foreign-exchange fee, the ATM fee and any spending limits are all unstated. A zero-fee offer is mentioned for the PRO virtual card but may be outdated.

How do I top up the HPX card?

By depositing crypto — USDT, BTC and ETH are named — which is converted into USD or EUR on the card. The networks are not stated, and that matters: sending on a chain the card does not support can lose the deposit or require manual recovery with no guarantee. Get the supported networks in writing before your first meaningful transfer.

Is HPX card safe to use?

There is no way to answer that honestly from the card’s public information. It describes an on-chain wallet with keys held locally under BIP32/39/44 standards, which is a real plus, alongside a platform-held off-chain wallet. But card freeze, two-factor authentication and insurance are not stated, and the issuer and licences are not named. Judge it on that silence, not on the app’s claims.

Can I use the HPX card in my country?

That depends on where you live. The card’s help centre restricts applications in mainland China, Russia, Turkey, Pakistan and other regions, and says the list changes with policy. Existing cardholders in restricted regions are generally unaffected, “except in Russia”. The rule appears residence-based, but citizenship is not addressed, so ask if your situation is mixed.

Does HPX have good customer support?

Developer replies point to an in-app Help Center with requests tracked as “My Work Order”, or to a Telegram “Contact Us” group. Help is at help.hpx.com with an English path, and the app lists English plus 17 further languages without naming them. Hours, response times and a phone number are not published. Complaints frequently mention unanswered tickets.

What are the HPX card limits?

Not stated. Neither daily nor monthly spending limits appear in the card’s public material. One unofficial third-party figure circulating is a $50,000 daily limit with no cap, but the card does not confirm it, so do not plan around it — the absence of a published limit is also not a guarantee that any transaction will be approved.

Is the HPX card worth it?

For someone already inside the HPX wallet who wants a USD card and can afford an unknown conversion fee, it may be. For anyone choosing a card on the basis of cost, support and recoverability, it is hard to justify: you cannot calculate your effective cost per purchase, and you cannot verify who stands behind the balance. Compare it against KAST or MetaMask, where the fees are at least partly published.

Can I withdraw money from HPX?

The card’s public pages do not say. Whether funds can be moved back out to a bank account or wallet, and what that would cost, is unstated. Combined with reports from users about being unable to withdraw, treat the card as a way to spend what you load rather than as a place to hold money, until the card confirms otherwise.

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