HPX card: the prepaid crypto card that few people talk about, and fewer recommend
Available in US
HPX is a prepaid payment card linked to a cryptocurrency wallet. You deposit crypto, the platform converts it to US dollars or euros, and you spend the resulting balance wherever a card is accepted. On paper that is the same idea as a dozen other crypto cards. In practice HPX is a card most reviewers have not heard of, and the small number of users who have left feedback have not been kind. This review is for anyone who already has an HPX wallet, is curious about the card, and wants to know whether the fees, the application process, and the day-to-day experience are worth the trouble.
The conditions below are current as of October 28, 2026.
Verdict
HPX earns 4.7 out of 10. That is a low score, and it is low for concrete reasons: a $60 annual fee on the physical card that is deducted from your first deposit, a card-opening fee whose amount is not published, a help-center rule that excludes several large regions including Russia from new applications, an unnamed card issuer, and an App Store rating of 3.3 out of 5 from 135 reviews, with recurring complaints about coins stuck in review and accounts frozen without explanation. The card is not a bad product for everyone, but it is a bad product for most people.
| Criterion | Score | Why it matters |
|---|---|---|
| Who can get it | 6 / 10 | Applications are restricted in Mainland China, Russia, Turkey, Pakistan and other countries, and the list changes with policy. Existing cardholders in most restricted regions are unaffected, but Russia is named as an exception. The rule looks residence-based; citizenship is not addressed. |
| Cost | 3 / 10 | The physical card carries a $60 annual fee taken from your first deposit. A card-opening fee is collected before your application is reviewed, and the amount is not disclosed. Conversion and foreign-exchange fees are not published in the App Store listing. |
| Top-up options | 6 / 10 | You can fund the card with USDT, BTC and ETH, which are converted to USD or EUR on the card itself. The networks you send those coins on are not stated in the app’s public info, which means a wrong network choice could mean lost funds. |
| Reliability and complaints | 3 / 10 | The card issuer and licences are not named anywhere I could see. The App Store developer is listed as CIPHERBC PTE. LTD. The app sits at 3.3 out of 5 from 135 ratings, with reviews from 2022 to 2024 reporting coins stuck in “reviewing” status, frozen accounts, and an inability to withdraw. No Trustpilot or Reddit page about HPX exists; the search surfaces only unrelated brands. |
| Everyday use | 6 / 10 | Both a physical and a virtual USD card exist. The app claims “tens of thousands of ATMs worldwide”, although the fee and allowance are not stated. Whether the card can be added to Apple Pay or Google Pay is not stated. |
The short version: if you already use the HPX wallet and want a USD card funded from a balance you already hold on the platform, HPX is a workable option. If you are choosing a crypto card from scratch, the alternatives later in this review offer more transparency about fees, licences, and complaint history for similar or lower cost.
Who will they give you the card
HPX is a residence-based product, not a citizenship-based one as far as the public material shows. The help center states that applications are restricted in Mainland China, Russia, Turkey, Pakistan and “other countries”, and that the list changes with policy. Users who already have a card in a restricted region are generally unaffected, “except in Russia”, which is singled out.
What that means for you: if you live in a country that is not on the restricted list today, you can apply. The list is not stable, so a country that is open when you read this could be closed by the time your application is reviewed, and the platform does not publish the full list. Your citizenship, separately from where you live, is not stated, so a person with a passport from a restricted country living elsewhere should expect to be asked.
The application itself is narrow. Passport is the only ID the platform accepts; national ID cards are not. The name on your application has to match your passport. Beyond the passport requirement, the platform does not publish proof-of-address rules, age limits, or processing time beyond “card arrives within 30 days of approval”.
The card itself comes in two flavours: a USD physical card and a USD virtual card. The App Store description calls it a prepaid card linked to a crypto wallet that converts crypto to USD or EUR. The card network is not stated. A third product, a “Global Travel Virtual Card”, is currently suspended for new applications per a help-center notice. Unofficial write-ups of a similar product from the same brand mention both US-dollar and euro virtual and physical cards, which is consistent with the App Store description.
How to get it
The flow is short and has a small but important wrinkle: you pay a card-opening fee before your application is reviewed, and the platform does not publish how much that fee is.
The sequence, as far as the public material states it, looks like this:
- Download the HPX app, available on the App Store for iOS 15 and up. The current version is 5.6.270301 at 420.5 MB, rated 16+. The app’s language list is not shown to me, but the help center has an English path.
- Complete the wallet setup, including submitting your passport for KYC. ID cards are not accepted. Your name must match the passport.
- Pay the card-opening fee, whose amount is not published. This is taken before review.
- Wait for review. The card is issued within 30 days of approval. Delivery countries and any delivery cost are not stated.
The platform’s KYC does not have published tiers: there is no mention of enhanced verification, processing-time breakdowns, or reasons applications are rejected. If your application is refused, the policy on refunding the card-opening fee is not stated either.
A practical note: the platform collects a card-opening fee up front. If your application is rejected, the material I have does not say whether that fee is returned. You should check the current terms in the app before paying.
What it really costs (Fees)
The cost picture for HPX is the part of this review where the gaps in the public material are most uncomfortable. A handful of figures are stated, several others are not, and what is not stated matters because the figures that are stated suggest a product that is not cheap.
| Fee or limit | What the card charges |
|---|---|
| Card-opening fee | Not stated; paid before KYC review |
| Physical card annual fee | USD $60, deducted from the first deposit |
| Virtual card annual fee | Not stated; a time-limited zero-fee offer for the USD virtual card PRO was mentioned, possibly outdated |
| Conversion fee (crypto to fiat on the card) | Not stated |
| Foreign-exchange fee (paying in a non-card currency) | Not stated |
| ATM withdrawal fee | Not stated; the app claims “tens of thousands of ATMs worldwide” |
| Daily spending limit | Not stated (unofficial third-party report: $50,000 daily with no monthly cap; unconfirmed by the card) |
| Monthly spending limit | Not stated |
The clearest number is the $60 annual fee on the physical card, deducted from your first deposit. That is meaningful: if you load $300, the fee is a significant portion of your balance, while on a $3,000 load, the fee is smaller. The fee is per year, not per deposit, so larger balances dilute it, but a card you are not heavily using still costs you $60 just to keep.
The card-opening fee is the part to watch. You pay it before the platform decides whether to give you a card. The amount is not published in any material I read, which is unusual: most card programmes publish the issuance fee on the same page as the card itself. If the fee is small, the silence is odd. If it is large, the silence is worse.
Conversion and FX fees are not published either. The App Store listing does not show them, and the help-center material I read does not give a percentage. For a card whose entire value proposition is converting crypto at the moment of payment, that absence is the single largest source of uncertainty in the cost picture. A 1% conversion fee on a $1,000 monthly spend is $120 a year, more than the annual fee. A 2% fee is $240.
To make this concrete, here is how the costs could land in three everyday situations. These are illustrative only; the platform does not publish conversion or FX rates.
- Paying for a $50 lunch in a café that bills in your card currency. The crypto-to-fiat conversion applies. The fee is not stated; a typical industry range is 0.5% to 2%. At 1% you would pay about $0.50 in conversion on top of the meal.
- Paying for a €40 dinner in a country that uses euros while your card is denominated in USD. The conversion fee applies, and an FX fee applies on top because you are paying in a currency other than the card’s. Neither is stated; combined fees of 2% to 3% are common in the category. At that level you would pay roughly $1.00 extra on a $40 charge.
- Withdrawing $200 from an ATM abroad. The ATM fee is not stated, the FX fee is not stated, and any “tens of thousands of ATMs worldwide” promise from the App Store description is no help without a fee table. Industry norms for this kind of card are $2 to $5 per ATM withdrawal plus an FX margin.
If you are considering HPX, open the app, find the fee schedule, and read it before you load funds. The numbers above are not from the card; they are a sense of the range. The card’s own numbers are mostly missing.
How to top it up (Top up)
Funding an HPX card means sending crypto to the platform and letting it convert to a USD or EUR balance on the card. The coins the material names are USDT, BTC and ETH. The networks you send them on are not stated in the public material I read.
That last point deserves attention. USDT and USDC, for example, exist on Ethereum, Tron, Solana, Polygon, Arbitrum and other networks. A USDT transfer to a Tron address will not be received on an Ethereum address, and the funds can be lost or require manual recovery with no guarantee. A network choice you cannot see in the public documentation is a network choice that can cost you your deposit.
The flow, as far as it is published, is:
- Open the app, go to the card section, and choose to top up.
- Select the coin (USDT, BTC, or ETH).
- Send the crypto to the address the app shows, on the network the app tells you to use. The app presumably tells you, but that step is not in the public material I read.
- The platform converts the deposit to USD or EUR and credits the card balance. The conversion fee is not stated.
Beyond crypto, the material does not mention bank transfers, debit-card top-ups, or any other way to add funds. If you do not already hold crypto, the path to an HPX card balance appears to start with a crypto purchase somewhere else, then a transfer in.
Paying with it every day
The day-to-day experience is the part the platform talks about least, which is itself a useful signal.
What is known: you can hold a USD physical card and a USD virtual card, and you can spend the balance wherever a card of that network is accepted. The card network is not stated publicly, which is unusual; Visa and Mastercard are the dominant options and the difference matters at some merchants. The platform says “tens of thousands of ATMs worldwide” without a number, an allowance, or a fee.
What is not known: whether the card works with Apple Pay or Google Pay; whether specific merchant categories are blocked (gambling, crypto purchases, adult content are commonly restricted on prepaid cards); whether there is a rewards or cashback programme; and what the dispute process is if a charge goes wrong.
The app itself is the operational backbone. As of the App Store listing I read, it carries a 3.3 out of 5 score from 135 ratings. The size is 420.5 MB and the age rating is 16+. The Google Play rating was not retrieved in my research. The app lists English plus 17 other languages, although the language list is not shown and Russian is not confirmed.
The app supports two wallet models, which is worth knowing. There is an off-chain wallet where the platform holds the funds, and an on-chain wallet where you hold the private keys locally under BIP32/39/44/45 standards. The card balance sits on the platform side. The off-chain wallet uses what the developer calls an “SBC risk control system” and multi-signature co-management. The on-chain side is the part you control, and the developer states the app collects no data.
What can go wrong
This is the section where HPX is weakest, and it is the section I would read first if I were choosing whether to load funds.
The complaint record is small in volume but consistent in theme. The App Store rating is 3.3 from 135 reviews. A third-party analysis of those reviews rates two-thirds of them as negative. The recurring complaints, mostly from 2022 through 2024, are:
- Coins stuck in “reviewing” status for days, with support tickets unanswered.
- Inability to withdraw or transfer funds after a deposit.
- Accounts frozen without explanation.
- One report of funds moved to an unknown address.
- One report of an excessive fee.
- A 2022 review that called the platform a scam after a card charge was labelled as an airline ticket the reviewer had not bought.
A search for HPX on Trustpilot and Reddit returned no results. The names that come up are HyperX (the gaming peripheral brand) and HP (Hewlett-Packard). For a card that has been live long enough to have a 2022 review, the absence of a Trustpilot or Reddit footprint is itself information.
The company side adds to the picture. The App Store developer is CIPHERBC PTE. LTD. and the copyright holder is HYPER BC PTE. LTD. The site hyperpay.tech redirects to hpx.com. The card issuer, the BIN sponsor and the licences under which the card is issued are not stated. A crypto card that does not name its issuer is a card that does not let you check whether the issuer is regulated, in what jurisdiction, and under what licence. For a user in the European Union, for example, that means there is no obvious entry on the ESMA register of authorised crypto-asset service providers to confirm.
Support is in-app. The developer’s responses to negative reviews direct users to the in-app Help Center, specifically a “My Work Order” feature, or to a Telegram “Contact Us” group. The help center is at help.hpx.com with an English path. Hours are not stated.
The brand itself is in transition. The platform rebranded from HyperPay to HPX in July 2025. The Global Travel Virtual Card is suspended for new applications. Russia is named among restricted regions. No licence or issuer events have been found in my research, but the rebrand and the suspension are reminders that a card programme can change quickly.
The security model is a mixed picture. The app offers both a custodial wallet and a self-custody wallet, which is good. The card side, however, has no published information about card freeze, two-factor authentication for card actions, transaction insurance, or dispute resolution. A user who loses their phone has no published path to freezing the card from outside the app. A user who sees a charge they did not authorise has no published dispute process.
What to take instead
HPX is not the only option, and the alternatives in this category are more transparent about the things HPX leaves unstated. I am including three here, all of which I have researched to the same depth as HPX itself. None of these are endorsements; they are alternatives with different trade-offs.
| Card | Score | Issuer / network | Annual fee | Funding | Cashback | Notable gap |
|---|---|---|---|---|---|---|
| TokenPocket (TP Card) | 5.8 / 10 | Visa or Mastercard debit on Arbitrum, balances in EUR24 and USD24 | No stated annual fee, but an NFT creation fee applies; “TP Card does not charge any additional fees” beyond that | Crypto from the TokenPocket wallet, networks not listed in the FAQ | 1% deposit fee, said to be refundable later via rewards | Regional: Visa for a list of European countries, Mastercard for Australia, Canada, Hong Kong, Japan, Taiwan, New Zealand, Singapore, South Korea, UK and others; Americas “planned for Q2 2025”. Cards are virtual only. |
| MetaMask Card | 7.1 / 10 | Mastercard issued by Monovate, provided by Crypto Life | Virtual free; Metal $199/year | Spends directly from the connected wallet on Linea, Base, Monad, Solana; nine tokens named including mUSD, wETH, EURe, GBPe, USDC, USDT | Virtual 1% in mUSD; Metal up to 3% on the first $10,000 then 1%; $FLY bonus 5X / 7X via Blackbird dining | Sign-up open in 45 listed countries; US and UK sign-ups temporarily closed per the FAQ. One card per user. |
| KAST | 6.1 / 10 | Visa, three tiers: Standard, Premium, Private; up to 10 cards per user | Standard $0, Premium $1,000/year, Private $10,000/year (billed annually upfront) | Stablecoins USDT, USDC, PYUSD, RLUSD on Ethereum, Solana, Polygon, Arbitrum, TRON; 0% spread | Standard 1.5% on first $2,000/month; Premium 2% on first $10,000; Private 3% on first $40,000; KAST Points add 1% / 2% on top | Country list is residence-based and not published; non-USD FX 0.5% to 1.75%; inactivity fee $1/month after 12 months. |
How to read this table. MetaMask Card is the strongest of the three on transparency, fees, and cashback, but US and UK readers cannot sign up today and the Metal tier is $199 a year. KAST is the strongest on cashback and on stablecoin top-up options, but the country list is unpublished and the Premium and Private tiers are not cheap. TokenPocket sits in the middle on most dimensions and is the only one of the three with no stated annual fee, but its regional availability is narrow.
Who I would recommend it to
HPX is a niche product, and the niche is narrow. I would recommend the card to a reader who:
- Already uses the HPX wallet and holds a balance they want to spend from a card rather than off-ramping to a bank.
- Lives in a country that is not on the restricted list, and is comfortable that the list can change.
- Is willing to pay $60 a year for the physical card and an unknown card-opening fee up front.
- Does not need Apple Pay or Google Pay, or any of the published features of more mainstream cards.
- Is comfortable with a card issuer that is not named in the public material and an App Store score of 3.3.
I would not recommend the card to a reader who:
- Is choosing a crypto card from scratch. The alternatives above publish more of what you would want to know.
- Lives in Russia, Mainland China, Turkey, Pakistan, or any other country the help center may add to the list.
- Needs a card that works in Apple Pay or Google Pay. That capability is not stated.
- Wants a clear fee schedule before loading funds. The fee schedule is mostly gaps.
- Has a large balance they cannot afford to lose. The complaint record is short but consistently about frozen accounts and stuck withdrawals.
If you do proceed, the practical order is: download the app, find the current fee schedule, confirm your country is not restricted, send a small test deposit before sending a large one, and only after the test clears move the balance you actually want to spend.
Frequently asked questions
What is the HPX card?
The HPX card is a prepaid payment card linked to the HPX cryptocurrency wallet. You deposit crypto such as USDT, BTC, or ETH, the platform converts it to US dollars or euros, and you spend the resulting balance wherever a card is accepted. There is a USD physical card and a USD virtual card; a third product, the Global Travel Virtual Card, is suspended for new applications.
How does the HPX card work?
The platform converts your crypto deposit into a USD or EUR balance on the card at the moment of top-up. The card then behaves like a prepaid card: each purchase draws down that balance. Because it is prepaid, the card cannot overdraw. The conversion fee and the foreign-exchange fee are not published in the App Store listing, so the all-in cost of a payment is not visible in advance.
Is HPX a bank?
HPX is not a bank. The App Store developer is listed as CIPHERBC PTE. LTD., with the copyright held by HYPER BC PTE. LTD. The card issuer, the BIN sponsor, and the licences under which the card is issued are not stated in the public material. That is a gap, because a regulated issuer is the layer of a card programme where consumer protections usually sit.
Who owns HPX?
The brand owner is HYPER BC PTE. LTD., a Singapore entity per the App Store copyright line. The site hyperpay.tech redirects to hpx.com, and the platform rebranded from HyperPay to HPX in July 2025. Beneficial ownership beyond that is not published in the company’s official documentation.
Is the HPX card available in my country?
The platform publishes a restricted list that includes Mainland China, Russia, Turkey, Pakistan and “other countries”, and says the list changes with policy. Existing cardholders in most restricted regions are unaffected, but Russia is named as an exception. If your country is not on the restricted list and you hold a passport (national ID cards are not accepted), you can apply.
How do I get the HPX card?
Download the HPX app, complete the wallet setup, submit your passport for KYC, pay the card-opening fee (amount not stated), wait for review, and receive the card within 30 days of approval. Delivery countries and any delivery cost are not stated.
How do I top up the HPX card?
Open the app, go to the card section, and send USDT, BTC, or ETH to the address the app gives you, on the network the app tells you to use. The networks are not listed in the public material I read, so the in-app instruction is the only source you can rely on. A wrong network choice can mean lost funds.
Does the HPX card require KYC?
Yes. The platform requires a passport; national ID cards are not accepted. Your name must match the passport. The platform does not publish proof-of-address requirements, age limits, processing time beyond 30 days from approval, or the reasons an application can be rejected.
Is the HPX card safe?
The platform publishes a security model that includes a custodial wallet with what it calls an “SBC risk control system” and multi-signature co-management, plus a self-custody wallet with locally held keys. The card side does not publish information about card freeze, two-factor authentication for card actions, transaction insurance, or dispute resolution. The App Store rating is 3.3 out of 5 from 135 reviews, with recurring complaints about stuck withdrawals and frozen accounts.
How do I add the HPX card to Apple Wallet?
Whether the card works with Apple Pay or Google Pay is not stated in the public material I read. The App Store description does not mention either, and the help-center material I have does not address mobile wallet tokenisation. If mobile wallet support matters to you, that is a question to put to support before you load funds.
Wallet card fees and costs – cryptocardfacts
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