HPX Card Review — Straight Talk on Fees, KYC and Complaint Patterns

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

If you have been searching for a way to spend crypto without living in a country where a normal bank card is easy to open, the HPX card is probably on your shortlist. The pitch is straightforward: a prepaid card linked to a crypto wallet, dollars or euros loaded onto it, spend it anywhere a card is accepted. On paper that solves a real problem for a lot of people. In practice, the public information about HPX is thin in the places that matter most — who issues the card, what the issuer is licensed to do, what the conversion costs — and the user reviews I found are, frankly, rough.

Conditions are current as of October 28, 2026.

Here is the short version of my verdict: HPX is a usable prepaid crypto card with a real $60 annual fee on the physical USD card, a passport-only verification process, and crypto-only funding. It suits people who already hold a balance they want to spend and do not mind paying to keep a card. It does not suit people who want clarity on limits, issuer backing, or dispute handling — because HPX does not publish that clarity. I scored it 4.7 out of 10. The conditions described here are current as of 2026-10-20.

Will they give you the card?

Yes in most places, and no in a list that is deliberately kept vague. The help center says applications are restricted in Mainland China, Russia, Turkey, Pakistan and others, and that the list changes with policy. No other countries are named, so the honest reading is: everywhere is probably fine, somewhere is not, and you may find out which by trying.

There is one detail in that help-center answer worth pausing on: users who already held a card in restricted regions are generally unaffected “except in Russia”. So existing cardholders in several restricted countries keep their cards, while Russian users apparently do not. If you are in one of those places, that sentence is the one to read twice.

The rule also appears to be about residence rather than citizenship. HPX does not state a citizenship condition anywhere on the pages I read. That distinction matters more than it sounds: many providers screen nationality separately because sanctions screening and issuer risk policy often apply to country of birth as well as address. Since HPX does not publish either rule in detail, someone holding a passport from a restricted country while living elsewhere is in genuinely unclear territory.

How to get it

The application needs a passport. ID cards are not accepted, and the name on the application must match the passport exactly — a mismatch here is the kind of thing that turns into weeks of delay. You submit your KYC, and if you are approved the card arrives within 30 days. Delivery countries and any delivery cost are not stated.

One charge happens before you are approved: a card-opening fee. The amount is not published anywhere I could find. That is not a small gap — you are asked to pay an undisclosed sum at the point where you have the least leverage, because until you are approved you have nothing. Compare that with the physical card’s known $60 annual fee, which at least has a number attached.

A few things the card’s own pages do not tell you: no proof of address is mentioned, no minimum age is stated, no verification tiers are described beyond the passport step, no processing time for the identity check itself, and no rejection reasons. You are not told what makes an application fail. That is why I would keep copies of your passport and any address documents you upload — not because the card asks for more, but because if something goes wrong you will want to re-submit quickly.

Fees: What It Really Costs

This is where HPX is weakest, and the reason it scored 3 out of 10 on cost. Here is everything I could confirm, and — just as importantly — everything I could not.

The App Store listing for the app lists no fees at all, and the conversion fee and the fee for paying in a currency other than your card’s are simply absent from the pages I read. That is not a rounding error in disclosure; for a prepaid card, the conversion rate and the FX fee are usually the two largest numbers in your entire relationship with the provider.

Three everyday payments to think through, given what is and is not published:

Buying coffee in your own card currency. If your balance is USD and you pay in USD, the cleanest version of this transaction is the one HPX describes — crypto converted to USD, spent as USD. Even here the conversion fee is unstated, so the amount that actually leaves your balance is not something you can predict from the public information.

Paying a local shop in a currency your card does not hold. The card comes in USD and EUR variants. If you hold EUR and the shop wants dollars, or you hold USD and the shop wants pounds, there is a fee for paying in another currency and HPX does not publish what it is. This is where prepaid cards typically hurt most, and it is one of the two numbers you would most want before committing.

Withdrawing cash at an ATM. The App Store claims access to “tens of thousands of ATMs worldwide”. Whether that is free, cheap, or expensive per withdrawal, and whether there is a monthly allowance, is not stated. Treat the ATM network size as a marketing claim until you have read your own fee schedule.

There is also a product question buried in this. HPX shows a USD physical card, a USD virtual card, a USD virtual card PRO and a Global Travel Virtual Card — and the benefits attached to each are not stated. The PRO card’s zero-fee offer is described as time-limited and may be outdated. Do not assume the cheapest-looking product is the cheapest one.

How to Top up the Card

Top-up is crypto only. You deposit USDT, BTC or ETH, and the card converts it to USD or EUR. That is the whole funding model, and it is the reason HPX is not for everyone — you cannot load it from a bank account, which is exactly what a person who cannot open an ordinary bank card already cannot do anyway.

The gap that should worry you most: the networks are not stated. This is not a minor documentation omission. Crypto transfers are irreversible. If you send USDT on a network the provider does not support, or send it to an address belonging to a different network, the deposit can be lost or require manual recovery with no guarantee of success. The stablecoins people actually hold sit on very different chains — USDT has been issued on Ethereum, Tron, Solana, Polygon, Avalanche and others — and choosing wrong is expensive.

So before your first transfer, find out inside the app which networks are accepted for the coin you hold. Get that from the provider in writing or in the app itself, not from an assumption. If the answer turns out to be one network only, then one mistake costs you the deposit, and there is no chargeback mechanism for a blockchain transfer that never arrived.

Withdrawal is also not stated — what you can take out, to where, and what it costs. Nothing on the public pages covers cashing back to a bank account or to another wallet.

Paying with it every day

The product range is decent for a card at this stage: a physical USD card and a USD virtual card, both linked to the crypto wallet, converting deposits to USD or EUR. A virtual card is the sensible first step for anyone testing this — you can try it before a physical card arrives, and the PRO variant exists too.

What I could not find is fairly central to daily use. Whether the card works in Apple Pay or Google Wallet is not stated. Whether gambling merchants are blocked is not stated. Whether you can freeze the card instantly, whether two-factor authentication is on, whether there is any insurance, and how a disputed transaction is handled — all not stated. Rewards or cashback are not stated either, so I would assume there is none.

The app itself: on the US App Store it stands at 3.3 out of 5 from 135 ratings, requires iOS 15 or later, version 5.6.270301, 420.5 MB, rated 16+. The app lists English plus 17 more languages, though the full list was not shown and I could not confirm Russian. The Google Play rating was not retrieved when I checked.

And that is where the honest answer to “where can I use HPX card” has to stop. The published answer is “tens of thousands of ATMs worldwide” plus wherever cards are accepted generally. There is no merchant directory, no country list.

What Can Go Wrong

The complaints are the reason I marked reliability 3 out of 10, and I want to lay them out plainly because they are specific and repeated.

The App Store rating is 3.3 out of 5 from 135 ratings. An analysis of those same 135 reviews highlights the prevalence of negative feedback. The recurring themes, mostly from 2022 through 2024: coins stuck in a “reviewing” state for days with support tickets never answered, an inability to withdraw or transfer, accounts frozen without explanation, one report of funds moving to an unknown address, and one report of an excessive fee. There is also praise in there for ease of use, which tells me the card works well for people whose deposits simply clear.

One 2022 review calls it a scam and describes a card charge labelled as an airline ticket that the user could not withdraw funds from. The developer’s response points to in-app or Telegram support. I searched for Trustpilot and Reddit discussion and found nothing about HPX — only HyperX and HP results, which are different things. So there is no independent review ecosystem to cross-check against, which is itself a finding.

The company side is thinner than the user side. The App Store developer is CIPHERBC PTE. LTD., with copyright HYPER BC PTE. LTD. The site hyperpay.tech redirects to hpx.com. The card issuer and BIN sponsor are not stated, and no licences are named. A prepaid card is issued by someone: the entity that holds the programme and answers to the regulator is the entity whose protections you actually have, and HPX does not say who it is.

Brand history: the brand changed from HyperPay to HPX in July 2025. The Global Travel Virtual Card is suspended for new applications per a help notice — worth noting as a pattern, since suspending a product quietly is a small thing that tells you about continuity of the roadmap. Russia is named among restricted regions. I found no licence or issuer events.

On funds and security, the App Store describes an off-chain wallet held by the platform with an “SBC risk control system” and multi-signature co-management, plus an on-chain wallet with private keys stored locally under BIP32/39/44/45 standards. The developer states it collects no data. Card freeze, two-factor authentication and any insurance are not stated.

Two structural risks deserve a paragraph each. First, custodial risk: the off-chain wallet means the platform holds the credentials, so you are trusting the provider completely — and the frozen-accounts complaints above are what that trust looks like when it fails. Stablecoin transfers are irreversible, so a frozen account is not a payment problem, it is a balance problem. Second, regulatory risk: the balance is e-money, not a bank deposit. Electronic money institutions must safeguard customer funds by segregating them or insuring them, but those funds are not the same as bank deposits and may not be covered by deposit guarantee schemes. Nobody here is promising you deposit protection.

What to take instead

If HPX’s gaps bother you, that is a reasonable reaction, and there are alternatives with more published detail. Here is how the three I looked at compare.

The headline difference is disclosure, not card quality. KAST publishes the most: annual membership of 0 USD, 1,000 USD, or 10,000 USD depending on tier, billed annually upfront, plus explicit transaction fees — 0% stablecoin top-up, 0% card spend in USD, 0.5% to 1.75% for non-USD transactions depending on your residence country, transaction country and card programme, 0.10 USD on non-USD transactions under 25 USD, and 0.50 USD for a declined transaction on insufficient balance. That is a table you can actually budget against. It also states an inactivity fee of 1 USD per month after 12 months, and extra virtual cards at 2 USD, with a standard physical card at 0 USD plus 40 USD delivery.

MetaMask Card is the cleanest on fees: virtual card free with no annual or maintenance fee, metal at $199 a year, a “minimal fee for each transaction” with no additional MetaMask fees, and no foreign transaction fee since the Mastercard rate applies. It spends directly from your connected wallet on Linea, Base, Monad and Solana, with tokens including mUSD, wETH, EURe, GBPe, USDC and USDT. Cashback is 1% on the virtual card and 3% on metal for the first $10,000 spent, then 1%. Its limitations are its own: US and UK sign-ups are temporarily closed per its FAQ, one card per user, and Solana-only wallets cannot withdraw credit.

TokenPocket sits in the middle. It charges 1% on a crypto deposit, refunded later through rewards and reduced transaction fees, and says there are no other fees. Runs on Arbitrum, cards are virtual with balances in EUR24 and USD24, and its Americas launch was planned for Q2 2025.

Every one of these has its own catch, so pick the problem you care about least. MetaMask’s catch is geography and the metal card price. KAST’s catch is the membership price at the top tiers and the strict KYC, which can leave an account locked in an unsupported country. TokenPocket’s catch is the deposit fee and its virtual-only cards. HPX’s catch is that the numbers you need are not published.

Who I would recommend it to

HPX makes sense for one specific person: someone who already has a crypto balance, mostly in USDT, and wants a physical and virtual dollar card without going through a bank that will not open an account for them. If you fit that description, you accept a $60 annual fee, you are willing to confirm the supported network yourself before your first deposit, and you treat the balance as money you are willing to have temporarily inaccessible, then this does what it says.

I would not recommend it to someone spending their salary from it, to anyone whose plan depends on a published spending limit or a published FX fee, or to anyone who needs to file a chargeback and expect one. If your priority is knowing exactly what each payment costs and who stands behind your balance, KAST publishes its numbers and HPX does not, and that difference decides it.

What I would do if I were you, in order: read your own fee schedule inside the app before funding it, send a small test deposit on a network the provider has confirmed, confirm the language of the support channel you will actually reach, and pull out whatever you can whenever the balance allows rather than leaving a large float parked on the card.

Frequently asked questions

What is the HPX card?

The HPX card is a prepaid payment card linked to a crypto wallet. You deposit crypto such as USDT, BTC or ETH, it is converted to USD or EUR, and the balance is spent like an ordinary prepaid card. Both a physical USD card and a virtual one exist, and the developer named in the app listing is CIPHERBC PTE. LTD.

How does the HPX card work?

You load crypto, HPX converts it into a fiat balance on the card, and each purchase draws down that stored balance rather than a bank account. Because it is prepaid rather than a debit card tied to your current account, the balance cannot be overdrawn. The App Store says deposits are converted to USD or EUR.

Is HPX a bank?

Not on the evidence available. HPX does not name a card issuer, a BIN sponsor, or any banking or electronic money licence on the pages I read. What is described is a prepaid card and an app with an off-chain wallet held by the platform and an on-chain wallet with locally stored keys. Whether an e-money licence sits somewhere behind it is exactly what I could not confirm.

Who owns HPX?

The app’s developer is listed as CIPHERBC PTE. LTD., with copyright held by HYPER BC PTE. LTD., and the brand was renamed from HyperPay to HPX in July 2025, with hyperpay.tech redirecting to hpx.com. Beyond those names, no owning entity, issuer, or licensing detail is published on the pages I checked, and I found no licence or issuer events.

Can I use the HPX card in my country?

Probably, in most places. Applications are restricted in Mainland China, Russia, Turkey, Pakistan and others, and that list changes with policy. No other countries are named, and the rule appears to be based on residence rather than citizenship, which HPX does not state. Existing cardholders in restricted regions are generally unaffected “except in Russia”.

How do I get the HPX card?

You apply in the app with your passport — ID cards are not accepted and the name must match it exactly — and submit your KYC. Once approved, the card arrives within 30 days. A card-opening fee is charged before the review, and the amount is not disclosed, so you find out what you are paying from the app before you commit to it.

Does HPX require KYC?

Yes, and it is passport-only as far as the published information goes. Proof of address and a minimum age are not stated, and neither are verification tiers, processing times for the identity check, or the reasons an application might be rejected. That last one matters: if you are turned down you will not be told why, so keep your documents ready to resubmit quickly.

How much does the HPX card cost?

The physical USD card carries a $60 annual fee, taken from your first deposit. A card-opening fee is also charged before the review but its amount is not stated. Conversion fees, fees for paying in another currency, and ATM fees and allowances are all not stated in the card’s public materials, which is why I scored cost at 3 out of 10.

Is the HPX card safe to use?

That is a judgement call and here is mine: the app describes an off-chain platform wallet with an “SBC risk control system” and multi-signature co-management, plus an on-chain wallet with locally stored keys, and the developer states no data is collected. Against that, users report coins stuck in reviewing, withdrawals blocked, accounts frozen without explanation, and one report of funds moved to an unknown address.

Can I add the HPX card to Apple Wallet?

HPX does not say. Whether Apple Pay and Google Pay are supported is not stated on the app listing or the help center I read, and neither is whether specific merchant categories are blocked. It is worth asking support directly in writing before you rely on it, because tokenised mobile wallets are a routine expectation with prepaid cards and its absence here is conspicuous rather than reassuring.

Content created by the «cryptocardtested» team