HPX card review — paying daily from a crypto balance, and what the fees and the gaps actually look like

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

If you have crypto and want a card that spends it, the HPX card is one of the names you’ll come across. It promises a prepaid Visa-style card linked to a crypto wallet, with USD and EUR balances, and an app that converts your coins at the moment you pay. That is a useful idea, but a card only earns its place if the numbers, the geography and the track record hold up under pressure.

This review walks through who can get the card, what it really costs in everyday life, how you top it up, what paying with it looks like day to day, where the risks sit, and what to pick if HPX is not a fit. I have gone through the card’s own help center, App Store listing, developer details and what people are saying about it, and I weigh the picture honestly rather than dressing it up.

The conditions described here are current as of October 28, 2026.

Verdict

The HPX card sits at 4.7 out of 10 in my scoring. That is a “cautious” rating rather than a “avoid” one. The card does some of what it says on the tin, but the cost line is heavier than the marketing suggests, several practical details are not stated publicly, and the user feedback is mixed enough that I would not call it a default choice.

Who it suits: someone already using the HPX (formerly HyperPay) wallet who wants a USD-denominated card attached to that balance and who is willing to accept an annual fee, occasional uncertainty about support response times, and the fact that the card-opening fee amount is not published.

Who it does not suit: anyone who needs a card with a clear, fully published fee schedule, anyone in a country where applications are restricted, anyone who relies on a strong public complaint record, and anyone who wants Apple Pay or Google Pay tokenisation confirmed up front (HPX does not confirm either).

The score table below sets out how I arrived at the 4.7.

Who will they give you the card

HPX is not open to everyone. The card’s own help center says applications are restricted in Mainland China, Russia, Turkey, Pakistan and “other countries”, with the list changing as policy changes. People who already held a card in a restricted region are generally unaffected, “except in Russia” — that exception is the one the help center singles out.

The rule appears to be residence-based rather than citizenship-based, because the help center talks about “regions” and existing customers being unaffected if they were already in. The card’s pages do not say outright whether your passport country matters if you live somewhere else, and that gap matters for people on the move.

There is no published list of the countries that *are* accepted. You only find out at application time whether your residence country clears the gate, and that is a small but real risk if you need certainty before you start a sign-up. If your country is named on the restricted list or if you live in a country that pops up later as the policy tightens, you can be declined at KYC with no appeal route spelled out in the public documents.

Two practical takeaways. First, if you live in one of the named restricted countries or suspect your country may be next, treat the HPX card as not available to you and look at the alternatives in the alternatives section. Second, if you are a resident of a restricted region, the help center is explicit that even existing customers can be affected, so do not assume your current card will keep working.

For age, the App Store lists the app as 16+, which suggests the card is for older teenagers and up, but the card’s own pages do not state a minimum age for the card itself. Proof-of-address requirements and whether a second piece of ID is needed are also not stated.

How to get it

The application is built around a passport, not a national ID card. You need a valid passport, and the name on the application has to match the name on the passport exactly — small spelling differences are enough to bounce a file. ID cards are not accepted.

The flow runs like this. You submit your KYC through the HPX app, pay a card-opening fee before your application is reviewed, and, once approved, the card arrives within 30 days. That four-week window is the card’s own stated delivery target and is the only timing the public materials give. The card-opening fee is the part that stings: the amount is not stated, and you pay it before you know whether your KYC clears. If your application is refused, whether the fee is refundable is not said in the public pages either.

What the public materials do not cover is also worth noting. Processing time after you submit is not stated, the KYC “tiers” (if there are any) are not published, and the specific reasons an application can be rejected are not listed. If you are deciding whether to apply, the only firm commitments you have are: passport only, name must match, card-opening fee in advance, and 30 days from approval to delivery.

The card you can apply for depends on what is open at the time. The App Store listing describes a prepaid card linked to the crypto wallet, which converts crypto to USD or EUR. In practice that means a USD physical card, a USD virtual card, and a USD virtual card PRO. There is also a “Global Travel Virtual Card” that the help center has suspended for new applications — that is no longer on the menu even if you see references to it elsewhere. The card network (Visa, Mastercard, other) is not stated in the official listing.

If you would rather start with a card that publishes its fees end-to-end, BloFin, Decaf and SafePal in the alternatives section all publish what the card-opening fee actually is.

What it really costs

This is where the HPX card loses points, and it is the section worth reading twice. The headline cost line is the USD physical card’s annual fee of $60, and that $60 is taken from your first deposit rather than billed later. If you top up $100, you actually have $40 of usable balance once the annual fee is taken. That mechanic is easy to miss in the marketing, because the fee is described as annual rather than as a first-load deduction.

The card-opening fee is paid before your KYC is reviewed, and the amount is not stated in the public materials. You commit money to find out whether you can have the card. That is the single biggest gap in the cost story, because every other fee in the schedule can be reasoned about, but the upfront cost is opaque until you start the application.

Costs table

A few everyday payments show how the gaps bite.

Paying for a coffee with a USD card in a country that uses dollars: the merchant charges the price of the coffee, the network routes the authorisation, and the card balance in USD is debited. There is no currency conversion on top because the card and the merchant both settle in USD. The conversion fee is not stated in the public materials, so I cannot say what the card charges when you actually convert crypto into that USD balance — that is one of the questions to put to support before you commit.

Paying for a train ticket in euros with a USD card: the merchant charges in euros, the network converts to USD on the way through, and the card’s USD balance is debited. The card’s own fee for “paying in another currency” is not stated, so the only safe assumption is that you pay the network’s wholesale FX plus whatever the card’s own surcharge is, and that the latter is not disclosed.

Paying for a hotel booking online with a USD virtual card: the virtual card behaves the same way as the physical one for online payments, and 3-D Secure may be invoked depending on the merchant. Whether the card supports 3-D Secure is not stated in the public materials, so you may need to test it on a small booking first.

The reason the Costs table looks so empty is that the help center and App Store listing simply do not publish these numbers. The time-limited zero-fee offer for the USD virtual card PRO that the help center used to mention may or may not still be running, and the help pages do not refresh that note in a way I can confirm in October 2026.

How to top it up

Topping up an HPX card starts with a crypto transfer. The card accepts crypto deposits such as USDT, BTC and ETH, and the app converts them into USD or EUR on the card so the balance is in fiat. After that, the card spends that fiat balance at merchants, and you can top up again by sending more crypto and converting.

Two practical details are not stated in the public materials: which blockchains or networks you can send those coins on, and whether you can top up with fiat directly from a bank. Those gaps matter because sending USDT on the wrong network is a common and irreversible way to lose money. If the card only accepts USDT on one chain and you send USDT on another, the funds do not arrive and the support team is the only path back, with no guarantee.

The withdrawal direction (moving money off the card back to crypto or to a bank) is also not stated. That matters if you ever want to cash out a balance you have not spent — a gap you do not want to discover when you need the money.

The unofficial third-party source cited in the card’s wider web footprint mentions a daily spending limit of USD 50,000 with “no limit” for monthly use. That is unofficial and not confirmed by HPX’s own pages, so I would not plan around it.

For an existing HPX wallet user, the most useful framing is: treat the on-ramp from crypto to card balance as an irreversible step with no published fee schedule, and never send a coin on a network you have not confirmed in the in-app help the same day you send it.

Paying with it every day

The card behaves like a prepaid card at the till. The merchant asks for authorisation, the network routes the message, the card’s balance is debited, and the crypto you originally sent is now a spent fiat balance. Because the balance is pre-loaded, the card cannot overdraw — you only spend what you have converted onto it.

For online payments, the card works like any other Visa-style or Mastercard-style prepaid number, subject to whatever the network’s identity check looks like at the merchant. For in-person payments, physical card presentment works at any terminal that accepts the card’s network, and the network itself is not stated in the official listing, so I cannot tell you with certainty whether a given terminal in a given country will accept the card without trying it.

Mobile wallets are the everyday gap. Whether the card can be added to Apple Pay or Google Pay is not stated in the public materials. If you rely on paying with your phone, you cannot assume tokenisation is supported, and you should test in the app before you travel.

ATM access is described in the App Store listing as “tens of thousands of ATMs worldwide”. That is a network-issued figure, not an HPX-specific one, and it tells you where the card *can* be used, not what it *costs* per withdrawal. The ATM fee and the monthly allowance are not stated, so a single ATM withdrawal could cost more than you expect if the issuer applies a foreign ATM surcharge and your own bank-side reimbursement does not apply.

The app itself is the operational anchor. The App Store listing for the US store shows a 3.3 out of 5 rating from 135 ratings, iOS 15 or later, version 5.6.270301, a 420.5 MB install size, and a 16+ age rating. The Google Play rating was not retrieved, so I cannot say how Android users are scoring it. The app’s description says it does not collect data, which is a claim rather than an audit, and the app’s English-language path is supported along with 17 other languages (the full list is not shown, and Russian is not confirmed as one of them).

Rewards, cashback, sign-up bonuses and merchant-category blocks (the gambling MCC, for example) are not stated. If you choose a card for a specific perk like cashback, you will not find the perk described here.

What can go wrong

The complaint record is the part I weigh heaviest when scoring a card, and HPX’s record is mixed.

The App Store rating of 3.3 out of 5 from 135 ratings is the headline number. An analysis of those 135 reviews by a third-party site, Justuseapp, highlights that a majority of them are negative. The recurring themes, mostly from 2022 to 2024, are: coins stuck “in review” for days with support tickets going unanswered, an inability to withdraw or transfer balances, accounts frozen without explanation, one report of funds being moved to an unknown address, and one report of an excessive fee. There is also positive feedback on ease of use, which is worth noting, but the negative volume is what tips the reliability score.

A 2022 review on the App Store called the card a scam, citing a card charge labelled as an airline ticket that could not be withdrawn. The developer responded that the user should use the in-app support or the Telegram “Contact Us” group. That exchange is on the public record and is consistent with the developer pointing users to those two channels rather than to email or phone support.

Trustpilot and Reddit searches did not return a dedicated HPX page — the results were about HyperX or HP, not the card. That makes the picture harder to verify outside the App Store, because the same complaint themes are not echoed on consumer complaint sites the way they would be for a card with a louder Western footprint.

The corporate picture is also worth flagging. The App Store developer is listed as CIPHERBC PTE. LTD., and the copyright holder is HYPER BC PTE. LTD. The website hyperpay.tech redirects to hpx.com. The card issuer, the BIN sponsor and any licences are not stated in the public materials. In a market where the licensed issuer is the institution that actually holds your balance and handles disputes, “not stated” is the answer to the most important question a cardholder can ask.

The brand changed from HyperPay to HPX in July 2025, which is recent enough that older reviews and guides may still refer to the old name and the old product set. The “Global Travel Virtual Card” was suspended for new applications in the help center, which is a sign that product lines can be withdrawn without much notice. No licence or issuer event was found in the public record, so this is not a story of a regulated issuer being sanctioned, but it is a story of a thin public footprint for a product that handles customer funds.

On the security side, the App Store description says the app has an off-chain wallet (platform-held, with an “SBC risk control system” and multi-signature co-management) and an on-chain wallet (private keys stored locally, supporting BIP32, BIP39, BIP44 and BIP45). The developer states that it collects no data. Card freeze, two-factor authentication and insurance are not stated, and the support channels the developer points to are the in-app “My Work Order” help center and a Telegram group, with no public email or phone number. Support hours are not stated.

The English-language help center is at help.hpx.com, and the app itself supports English and 17 other languages (the list is not shown in full and other languages are not confirmed as one of them). For a user who needs support in a specific language, the safest assumption is that it is not in the app’s published list.

What to take instead

If you are weighing HPX against other crypto cards, three names come up in the same space: BloFin Wallet Card, Decaf and SafePal. The scores I assign to them are higher, but the differences are real and worth walking through.

Alternatives at a glance

A quick read of the table. BloFin is the cleanest on cost: activation, annual, issuance and dormancy are all $0.00, the spend fee scales down with VIP tier, and you top up with USDT and USDC on Arbitrum and Base, which are mainstream networks. The trade-off is that the country list is not published on the card page, you only find your country in the app, and the card currency is not stated. If you are in a supported country and you mainly want a low-cost on-ramp from stablecoins to a Visa, BloFin is the strongest of the three on price.

Decaf is in the middle. Activation costs $5 for a virtual card worldwide, $10 for a physical card in the US or $90 for a physical card shipped elsewhere, with tracked delivery and no annual fee. The FX position is unusually clear: Decaf adds no fee, you get the Visa exchange rate. The catch is geography — Decaf is not issued in a long list of countries that overlaps with HPX’s restricted list, including Belarus, China, North Korea, India, Iran, Iraq, Israel, Myanmar, Nepal, Russia, Syria, Turkey, Cuba, Ukraine, Venezuela, Vietnam, Nicaragua, Puerto Rico and Nigeria, plus a dozen restricted US states. If you live in one of those places, Decaf is not an option. The card currency is not stated, and the way to fund the card is via a Decaf payment link or account details in card, bank transfer or USDC — the app runs on Solana and Stellar, but which coins and networks top up the card itself is not stated.

SafePal sits in the same middle band. Account creation and management are free, the standard top-up fee is 0%, the Mastercard FX fee is 1% for non-USD settlement, and a refund is $1 (or €1, CHF 1 or CNH 7). You top up with crypto from 40+ blockchains, the default is conversion to USDC, and the transactions run on Arbitrum. The trade-off is a smaller card surface (a virtual Mastercard debit is the only card explicitly described, the physical version is not stated, and spending limits are given in EUR because the account is a Swiss Fiat24 one). The “as low as 0.4%” figure cited elsewhere on the SafePal bank page is for top-tier users; the standard rate is 0% with the 1% FX fee on top for non-USD spending. SafePal also gates access by residence and by citizenship, and the published regions list was empty when fetched, so you only know for sure inside the app.

If I were picking from these three today, BloFin is the pick for cost-conscious stablecoin users, Decaf is the pick if you want a card with no FX markup and you live outside its restricted list, and SafePal is the pick if you are already a SafePal user with a self-custody wallet and want a card connected to it. HPX is the pick only if you are already in the HPX ecosystem and value that integration more than published fees.

Who I would recommend it to

The HPX card makes sense for a specific reader. You are already an HPX (formerly HyperPay) wallet user, you live in a country that is not on the restricted list, you have a passport, and you want a USD-denominated card that pulls from your existing crypto balance rather than opening a new account elsewhere. You accept that the $60 annual fee on the physical card is taken from your first deposit, that the card-opening fee amount is opaque until you start the application, and that the public materials do not tell you everything a cardholder would normally want to know. You are comfortable with the in-app support channel and the Telegram group as your main routes to a human, and you are not relying on Apple Pay or Google Pay.

For everyone else, the calculus is harder. If you need a card with a fully published fee schedule and a licensed issuer named in the documentation, none of the cards in this review meets that bar, and you should look at mainstream crypto cards from larger issuers. If you need a card that works in a restricted country, HPX is closed to you, and you have to start from the alternatives. If you are a first-time crypto-to-card user with no existing wallet, starting with BloFin, Decaf or SafePal is a more honest way in, because their fee structures are visible before you commit.

I would not recommend HPX as a first card. I would also not recommend it as a primary card for someone whose daily spending is on a mobile wallet, because tokenisation is not confirmed. For an existing HPX user who wants a USD card on the same balance, it is a workable fourth-choice option once the alternatives above are ruled out for cost, geography or wallet fit.

A last practical note. Read the help center page for your country the day you apply, because the restricted list is described as “changing with policy” rather than as a fixed set. The same applies to the product list: the Global Travel Virtual Card was suspended for new applications without much fanfare, and the USD virtual card PRO’s zero-fee offer may be outdated. The card’s surface is not static, and the public materials do not always tell you when something has changed.

Frequently asked questions

What is the HPX card?

The HPX card is a prepaid card linked to the HPX (formerly HyperPay) crypto wallet. The card is available as a physical USD card and as a virtual USD card, with a USD virtual card PRO also listed. Crypto deposits such as USDT, BTC and ETH are converted into USD or EUR on the card, and the card spends that fiat balance at merchants and online. The card is run by CIPHERBC PTE. LTD., the same entity listed as the App Store developer, and the licensed card issuer is not named in the public materials.

How does the HPX card work?

You send crypto to the wallet, the app converts it into USD or EUR and loads that fiat balance onto the card, and the card spends the balance like a prepaid card at merchants and online. The card behaves like a stored-balance card rather than a debit card tied to a bank account, so it cannot overdraw. Mobile wallet tokenisation through Apple Pay or Google Pay is not confirmed in the public materials, so phone-based payments cannot be assumed.

Is HPX a bank?

No. HPX is a wallet and card programme, not a bank. The card issuer and any licences that govern the card programme are not stated in the public materials, and the App Store developer is CIPHERBC PTE. LTD. with HYPER BC PTE. LTD. as the copyright holder. If you need a card from a named, regulated issuer, you have to ask support directly, and the answer is not published.

Who owns HPX?

The corporate entities are CIPHERBC PTE. LTD. (the App Store developer) and HYPER BC PTE. LTD. (the copyright holder), and the website hyperpay.tech redirects to hpx.com. The brand changed from HyperPay to HPX in July 2025. The card issuer, BIN sponsor and any licences are not stated in the public materials, so the ownership chain above the Singapore entities is not visible without asking the company directly.

Is the HPX card available in my country?

It depends. The help center names Mainland China, Russia, Turkey, Pakistan and “other countries” as restricted, and says the list changes with policy. Existing customers in restricted regions are generally unaffected, except in Russia, where the help center singles them out. There is no published list of accepted countries, so the only way to know is to start the application and find out at KYC.

How do I apply for the HPX card?

You apply through the HPX app with a valid passport, and the name on the application has to match the passport. You pay a card-opening fee before your application is reviewed, and once approved, the card arrives within 30 days. The amount of the card-opening fee is not stated in the public materials, and the conditions for a refund if your KYC is refused are also not stated.

Does the HPX card require KYC?

Yes. The application requires a passport, and ID cards are not accepted. Proof of address, age requirements and any second piece of ID are not stated in the public materials. The processing time after submission is also not stated, and the only firm timing the card publishes is the 30-day window from approval to delivery.

How do I top up the HPX card?

You top up by sending crypto such as USDT, BTC or ETH to the wallet, and the app converts it into USD or EUR on the card. The blockchains and networks the card accepts are not named publicly, and the safest practice is to confirm the network in the in-app help the same day you send, because a coin sent on the wrong network may not arrive. Fiat top-up from a bank account is not stated as an option.

How do I withdraw money from the HPX card?

The withdrawal path from a card balance back to crypto or to a bank is not stated in the public materials. The recurring complaint themes include blocked withdrawals and balances stuck in review, so it is worth asking support for a documented withdrawal path before you load a large balance onto the card. Card-opening fee refunds, where applicable, are also not stated.

Is the HPX card safe?

That depends on what you mean by safe. The app is described as having an off-chain wallet with multi-signature co-management and an on-chain wallet with locally held keys, and the developer says it collects no data. The App Store rating is 3.3 out of 5 from 135 ratings, with recurring complaints about coins stuck in review, blocked withdrawals and frozen accounts. The licensed issuer and any insurance on balances are not stated, so a cautious user would not load more onto the card than they can afford to have unavailable for a stretch of time.

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