HPX card review: a USD card from crypto that asks you to trust an unnamed issuer

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

If you have ever tried to get an ordinary bank card and hit a wall — no address proof accepted, a country on a restricted list, a name that does not match your documents — then a card that converts your crypto into spendable dollars sounds like a relief. The HPX card is offered in exactly that spirit: you load USDT, BTC or ETH, it converts them into USD or EUR, and you spend the balance like a prepaid card in shops, online and at ATMs. That is the pitch, and for a narrow slice of people it does solve a real problem.

But this review is going to be blunt about the rest. HPX scores 4.7 out of 10 overall, and the reasons are not cosmetic. The card issuer and its licences are not named on the public pages, the annual fee for the physical USD card is $60 taken straight out of your first deposit, the app sits at 3.3 out of 5 from 135 App Store ratings, and the recurring complaint themes are coins stuck in “reviewing” for days and accounts frozen without explanation. This is a card for a specific situation, used with eyes open — not a general-purpose everyday card.

Conditions and figures on this page were checked on October 28, 2026 and are current as of 2026-10-20.

Verdict: 4.7 / 10 — useful in a pinch, weak as an everyday card

Let me be clear about who should keep reading and who should stop. If you are an HPX wallet user who needs a plain USD card to spend crypto you already hold, and you live in a country the application is not restricted in, this card does one job and does it in a straightforward way — that narrow audience is exactly who it fits. If you want a well-regulated, transparent everyday card with a published fee schedule, clear limits, a named issuer and an app that holds a decent rating, HPX is the wrong tool, and the rest of this page will show you why, section by section.

The reliability mark is the one that should decide it for most people. A card that converts your crypto is only as good as the promise that the money will be there and the account will stay open — and the public record here is thin on exactly that.

Will they give you the card?

Eligibility is the first gate, and for HPX it is not a simple “yes”. The help centre’s Q&A states that the application is restricted in Mainland China, Russia, Turkey, Pakistan and other countries; that the list changes with policy; and that users who already held a card in restricted regions are generally unaffected — the exception being Russia. One detail to note: the rule appears to be residence-based, and citizenship is not stated. So whether you are refused depends, as far as the public pages go, on where you live rather than whose passport you hold — but since citizenship is not addressed, do not read that as a guarantee.

The practical advice is short. Check the current restricted list before you invest time in an application, because it moves. If you already have an HPX card in one of these regions, most of what you read below still applies to you, but do read the restricted-region caveats carefully — they are the exception, not the rule.

How to get it

The application itself is passport-based. The help centre says a passport is required and identity cards are not accepted, and that the name on your application must match your passport. You submit your KYC documents, and the card arrives within 30 days of approval. Note that a card-opening fee is paid before the review — that is, before anyone has decided whether to give you the card — and the amount of that fee is not stated. Proof of address requirements and the age threshold are not stated either, so do not assume a utility bill will satisfy them or that you qualify on age alone.

What you end up with is a prepaid card linked to a crypto wallet that converts crypto to USD or EUR. There is a USD physical card and a USD virtual card; the card network is not stated. Separately, the help notice says a “Global Travel Virtual Card” is suspended for new applications. On third-party sites you will see HPX and HyperCard described as having virtual and physical types in both US dollars and euro — treat that as unofficial background, not as something the card’s own pages confirm, and not as a full product list.

A couple of the practical basics are simply not on the public pages: where the card is delivered, what delivery costs, and what the KYC “levels” or rejection reasons are. Beyond passport-only KYC and the 30-day arrival window, those details are not stated. Treat 30 days as the outer figure, not a promise of speed.

What it really costs: Fees

Cost is where this card is least attractive, and it is worth walking through the numbers before anything else. The USD physical card carries a $60 annual fee, and it is deducted from your first deposit — meaning the first time you load the card, $60 of it goes to the fee before you have bought anything. On top of that, a card-opening fee is charged before the review, but the amount is not disclosed, so the true cost of getting in the door is higher than $60 by an unknown margin. There is also a mention of a time-limited zero-fee offer for the USD virtual card PRO — but it may already be outdated, so treat it as unreliable.

The bigger issue is what is missing. The App Store lists no fees at all, and there is no stated conversion fee or fee for paying in another currency. The ATM claim is “tens of thousands of ATMs worldwide” with no fee and no allowance stated. Spending limits are not stated either — an unofficial figure circulating elsewhere is “daily spending limit of 50,000 US dollars / no limit”, but that is not from the card and should not be relied on.

Two or three everyday payments show why this matters. Buying something priced in your home currency but not in USD — say you hold euros and the shop charges dollars — is exactly the situation the “fee for paying in another currency: not stated” line covers, and you will not know the cost until it lands. Converting BTC into the balance to fund that purchase is the second such situation, and the conversion fee is likewise not stated. A third is a cash withdrawal at an ATM abroad, where the “tens of thousands of ATMs worldwide” claim comes with an undisclosed fee and allowance. In short: the card’s own marketing tells you the fee is simple, and its documentation tells you the fee is unstated. Plan your buffer accordingly.

How to Top up

Topping up is the part HPX describes most plainly, and it is the part that suits its intended user. You deposit crypto — USDT, BTC, ETH are the named examples — and it is converted into USD or EUR onto the card, which then spends like a prepaid balance. In the “pre-loaded balance” model this card follows, the card can only spend what you have loaded, so it cannot overdraw.

The catch is the one that matters most in this category: networks are not stated. Crypto transfers are irreversible, and sending a deposit on a network the card provider does not support, or to an address belonging to a different network, can lose the funds or require manual support recovery with no guarantee. So the practical rule for topping up is not a trick — it is to confirm, in the app or with support, exactly which network each coin should be sent on before you send anything, and to start with a small test deposit. On top-up fees themselves, and on withdrawing money out of the card, the public pages are silent: not stated.

Paying with it every day

Day-to-day, HPX is a USD prepaid card — physical or virtual — that draws on the converted balance. The App Store advertises “tens of thousands of ATMs worldwide”, which is a real advantage if cash is what you actually need. Beyond that, the everyday picture is thin. Whether you can add the card to Apple Pay or Google Pay is not disclosed, and whether any merchant categories are blocked is likewise not stated. Whether there are any rewards or cashback is not stated. Whether you can dispute a charge, or how, is not stated.

The app itself deserves a mention. On the US App Store, read on 2026-10-20, it is version 5.6.270301, needs iOS 15 or later, weighs 420.5 MB, is rated 16+, and scores 3.3 out of 5 from 135 ratings. The Google Play rating was not retrieved, so I cannot tell you how Android users rate it.

Set expectations honestly: this is a card for converting and spending crypto, not a feature-rich everyday card. If your life runs on Apple Pay taps, subscription payments and cashback, the gaps above will frustrate you.

What can go wrong

This is the section I would ask you to read twice, because the risks are not hypothetical.

The user record is poor and consistent. Alongside the 3.3 rating from 135 ratings, an independent analysis of those 135 reviews puts roughly two-thirds of them as negative. Recurring themes, mostly from 2022 to 2024: coins stuck in “reviewing” for days with support tickets left unanswered; inability to withdraw or transfer; accounts frozen without explanation; one report of funds moved to an unknown address; one report of an excessive fee. Against that, some reviewers praise how easy it is to use. A 2022 review calls it a scam, describing a card charge labelled as an airline ticket that the user could not withdraw funds from, and points to in-app and Telegram support. Notably, one search for Trustpilot and Reddit discussions about HPX found nothing — only unrelated HyperX/HP results — so there is no large independent community record to counterbalance this.

The company picture adds to the caution. The App Store developer is CIPHERBC PTE. LTD. (with copyright HYPER BC PTE. LTD.), and the site hyperpay.tech redirects to hpx.com. Critically, the card issuer, the BIN sponsor and the licences are not stated — you are told who builds the app, but not who legally issues the card or under whose licence. The App Store says the app has an off-chain wallet (platform-held, described with a “SBC risk control system” and multi-signature co-management) and an on-chain wallet (private keys stored locally, BIP32/39/44/45), and the developer states it collects no data. Whether you can freeze the card, whether two-factor authentication is there, and whether funds are insured are all not stated.

Support runs through the in-app Help Center (“My Work Ticket”) or a Telegram “Contact Us” group, with the help centre at help.hpx.com; the app lists English and 17 more languages (Russian is not confirmed) and hours are not stated. On corporate events: the brand changed from HyperPay to HPX in July 2025, the Global Travel Virtual Card was suspended for new applications, and Russia is named among restricted regions — but no licence or issuer events were found.

Set against that, this is a category with genuine structural hazards. Card programmes can be closed — Visa suspended WaveCrest in Europe in 2018, and Visa terminated its global agreements with FTX on 13 November 2022 — and a closure typically means spending stops, then you are asked to withdraw your balance. Holding crypto with a custodian carries hack and failure risk (Mt. Gox, Coincheck, Ronin are the historical examples), and blockchain transfers cannot be reversed. Keep that in mind as you read the rest of this review.

What to take instead

If you need a crypto-spending card and want a clearer fee schedule, a named issuer and a better app rating, these are the alternatives I would look at first. I am not endorsing any of them — run your own numbers — but each has published more of the basics than HPX does.

Each of these also has limits worth weighing. MetaMask is open in 45 listed countries with others on a waitlist, and US/UK sign-ups are temporarily closed. KAST gates access by a residence-based KYC list and can be ineligible even to residents of supported countries holding an ID from a restricted region. Zeal’s card programme is live in the EU, UK, Brazil, Colombia, Mexico, Japan, Singapore, Philippines, Indonesia and Thailand. HPX’s own score of 4.7 sits below all three.

Who I would recommend it to

I would recommend HPX in one specific situation: you already use the HPX wallet, you hold crypto you want to spend as plain USD, and ordinary bank cards are closed to you where you live. In that case it does something useful and does it simply — convert, load, spend. I would pair it with small test deposits, careful network checks before every transfer, and a withdrawal habit rather than leaving a large balance sitting on the card.

I would not recommend it as your everyday card, and I would think twice if any of these apply to you: you cannot state what the conversion and foreign-currency fees are, because the card does not state them; you depend on Apple Pay or Google Pay; you are putting meaningful savings on it; or you are uneasy that the issuing institution and its licences are not named. In those cases, one of the alternatives above — with a published schedule and a clearer issuer — is the safer bet.

Frequently asked questions

What is the HPX card?

HPX is a prepaid card linked to a crypto wallet. You deposit crypto such as USDT, BTC or ETH, it is converted into USD or EUR, and you spend the balance in shops, online and at ATMs. There is a USD physical card and a USD virtual card; the card network is not stated, and a Global Travel Virtual Card is suspended for new applications.

Is HPX a bank?

Not as far as its public pages show. The app developer is CIPHERBC PTE. LTD., but the card issuer, the BIN sponsor and the licences are not stated. It behaves like a prepaid card drawing on a stored balance, not a bank account with deposit guarantee.

How do I get an HPX card?

You apply in the app with a passport (ID cards are not accepted) and a matching name, submit KYC, and the card arrives within 30 days of approval. A card-opening fee is paid before the review, though the amount is not stated. Applications are restricted in Mainland China, Russia, Turkey, Pakistan and other regions.

What does the HPX card cost?

The USD physical card has a $60 annual fee, deducted from your first deposit, plus an undisclosed card-opening fee paid before review. The App Store lists no other fees, and the conversion fee, foreign-currency fee, ATM fee and spending limits are all not stated — so the true everyday cost is largely unknown.

How do I top up the HPX card?

You send crypto — USDT, BTC or ETH are named — and it converts to USD or EUR on the card. Crucially, the networks are not stated. Because transfers are irreversible, confirm the correct network for each coin in the app before sending, ideally starting with a small test amount.

Is the HPX card safe to use?

It carries real category risks: irreversible transfers, custodial balances exposed to provider failure, and the possibility of programme shutdown. HPX itself rates 3.3 out of 5 on the App Store from 135 ratings, with recurring complaints of stuck coins and frozen accounts, and the issuer and licences are not named. Use it with caution.

Can I add the HPX card to Apple Wallet?

That is not disclosed — whether you can add the HPX card to Apple Pay or Google Pay is not stated. Apple Pay itself replaces the card number with a device-specific number, but for HPX you would need to confirm support directly, as the public pages do not say.

Where can I use the HPX card?

The App Store advertises “tens of thousands of ATMs worldwide”, and it is a Visa/Mastercard-style prepaid USD card usable in shops and online wherever such cards are accepted. Note that some merchants decline prepaid or foreign-issued cards, and eligibility to hold one depends on where you live.

How do I withdraw money from HPX?

The public pages do not state this. Withdrawals are simply not described on the help pages I could see. This matters, because a large share of negative reviews complain about being unable to withdraw or transfer — so confirm this with support before you need it.

Is the HPX card worth it?

For someone already using the HPX wallet who needs a plain USD card and cannot get an ordinary one, it may be worth it as a specialist tool. As an everyday card, the undisclosed fees, unnamed issuer and 3.3-star app make it hard to recommend — the alternatives MetaMask (7.1), KAST (6.1) and Zeal (6.1) score higher and publish more of the basics.

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