Comparison
Cypher Card vs. Exodus Card: fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
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Cypher CardCypher
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exodus.com31 Oct 2026
Image source
Source
exodus.com
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Exodus CardExodus
In short
- Exodus Card has the best score (7.6).
| Attribute |
Cypher CardCypher
|
Exodus CardExodus
|
|---|---|---|
| Overview | Requires KYC Private Virtual Physical Metal | Requires KYC Private Virtual |
| Score | average with variant Premium (discontinued): 5.0 | good |
| CostsWeight 25 % | 5.9 | 8.5 |
| TrustWeight 20 % | 7.1 | 9.2 |
| KYC and privacyWeight 15 % | 6.5 | 6.5 |
| FeaturesWeight 15 % | 7.6 | 6.9 |
| AvailabilityWeight 10 % | not scored | 6.8 |
| RewardsWeight 10 % | not scored | not scored |
| CommunityWeight 5 % | 2.4 | 6.4 |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card form (differs)same for all |
credit
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
# CYPHER CREDIT CARD ACCOUNT OPENING DISCLOSURES – NO SET LINE OF CREDITChecked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
debit
exodus.com checked 30 Oct 2026
Source and check
Source
exodus.com
Wording at the source
The Exodus Card is a virtual debit card in Exodus Pay.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card types (differs)same for all |
virtual, physical
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
Cards Virtual card✅ Free ✅ Free Physical Card✅ ($50Shipping fee) ✅ ($50Shipping fee) Metal Card🚫 ✅ FreeChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
virtual, physical, metal
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
Cards Virtual card✅ Free ✅ Free Physical Card✅ ($50Shipping fee) ✅ ($50Shipping fee) Metal Card🚫 ✅ FreeChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
virtual
exodus.com checked 30 Oct 2026
Source and check
Source
exodus.com
Wording at the source
Your Exodus Card is currently available only as a virtual card. ATM withdrawals aren't supported.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card networksame for all |  
Visa
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
The card program is issued by the Issuer under license from Visa.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Custodysame for all |
self-custody
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
CypherD offers a Non-Custodial Wallet enabling users to store, manage, and transact with cryptocurrencies, as well as a Crypto Card designed for facilitating purchases. As a non-custodial service, Cyp...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
self-custody
exodus.com checked 30 Oct 2026
Source and check
Source
exodus.com
Wording at the source
Because it's self-custodial, you retain full control of your funds.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
stablecoin balance
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
- Your funds are completely safe and can be withdrawn at any time before the deadline, with no fees. - Withdrawals are processed in USDC on Base and may take 24 to 48 hours to reflect in your wallet....Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
stablecoin balance
exodus.com checked 30 Oct 2026
Source and check
Source
exodus.com
Wording at the source
The Exodus Card uses your Exodus Pay Cash balance in XO Cash, USDC, and USDT, which are USD-backed stablecoins.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card currenciessame for all |
USD
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
If you make a transaction using your Account in a foreign currency (including, for example, online purchases from a merchant located outside of the U.S.), the credit card association will convert any...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
USD
exodus.com checked 30 Oct 2026
Source and check
Source
exodus.com
Wording at the source
When you use your card in a different currency, the transaction is converted from USD using the exchange rate set by the card network and payment processor.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Usagesame for all |
personal
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
- You will use the Cypher Card for personal, family, or household use.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
personal
exodus.com checked 31 Oct 2026
Source and check
Source
exodus.com
Wording at the source
The words "you," "your," and "yours" mean each person who holds a self-custodial wallet on the Exodus Wallet application, who has enrolled in Exodus Pay, and who participates in the Rewards Program (e...Checked Verified Check overdue · last 31 Oct 2026 Value wrong? Unchanged since 31 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsorsame for all |
Third National
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
- "Issuer" refers to the issuer of the card program. The issuer for this card program is Third National.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Limits depend onsame for all |
plan
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
The Standard Plan users have a daily limit of $10,000 and a monthly limit of $30,000. The Premium Plan users have a daily limit of $20,000 and a monthly limit of $60,000.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
unknown |
| Cards per accountsame for all | unknown | |
| Unknown for all | Cards per account | |
| Availability | ||
| Available insame for all |
Available in 42 countries and regions
exodus.com checked 30 Oct 2026
Source and check
Source
exodus.com
Wording at the source
Currently, the Exodus Card is supported only in the following countries. | Andorra Argentina Austria Belgium Bosnia and Herzegovina Brazil Bulgaria Canada Colombia Croatia Cyprus Denmark Finland Fran...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Crypto | ||
| Supported assets (differs)same for all |
ETH, USDC, SOL
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
Note: A single load of up to $100,000 can be added for USDC, USD, ETH, and SOL.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
USDT, USDC, XO
exodus.com checked 30 Oct 2026
Source and check
Source
exodus.com
Wording at the source
Your Exodus Card draws from these assets on the Solana network, usually in this order: 1. Tether USD (USDT) 2. USD Coin (USDC) 3. XO Cash (XO)Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Number of supported assetssame for all | unknown | |
| Top-up networks (differs)same for all |
Ethereum, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism, Avalanche, zkSync, Cosmos
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
1. Ethereum 2. Polygon 3. Arbitrum 4. Optimism 5. Base 6. Injective 7. Osmosis 8. Cosmos 9. TX 10. BSC (Binance Smart Chain) 11. Solana 12. Avalanche (Avax) 13. ZKsync_ERA 14. Noble 15. HyperliquidChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Ethereum, BNB Smart Chain, Solana, Polygon, Arbitrum, Base
exodus.com checked 30 Oct 2026
Source and check
Source
exodus.com
Wording at the source
The following networks are supported for USDC, USDT, and XO deposits in Exodus Pay: USDC (USDC): - Solana (SOL) - Ethereum (ETH) - Arbitrum One (ARB1) - Base (BASE) - BNB Smart Chain (BSC) - Polygon...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Fiat top-up (differs)same for all |
No
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
No, it's not possible to fund the card with fiat.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
exodus.com checked 30 Oct 2026
Source and check
Source
exodus.com
Wording at the source
You can also purchase XO by depositing via Apple Pay or debit card.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Unknown for all | Number of supported assets | |
| Payments | ||
| Mobile walletssame for all |  
Apple Pay
 
Google Pay
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
We've provided helpful links below to guide you through the process of adding your Cypher card to Apple Pay and Google Pay:Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
exodus.com checked 30 Oct 2026
Source and check
Source
exodus.com
Wording at the source
Use your Exodus Card in-store with a digital wallet (Apple Pay or Google Pay).Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| ATM withdrawals (differs)same for all |
Yes
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
The channels you can enable or disable are ATM Withdrawals, Online Transaction, Contactless Transaction, Card and PIM Transaction and Apple Pay and GPay.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
No
exodus.com checked 30 Oct 2026
Source and check
Source
exodus.com
Wording at the source
Your Exodus Card is currently available only as a virtual card. ATM withdrawals aren't supported.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Contactlesssame for all |
Yes
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
The channels you can enable or disable are ATM Withdrawals, Online Transaction, Contactless Transaction, Card and PIM Transaction and Apple Pay and GPay.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
exodus.com checked 30 Oct 2026
Source and check
Source
exodus.com
Wording at the source
Use your Exodus Card in-store with a digital wallet (Apple Pay or Google Pay). Hold your device near the payment terminal to complete your purchase.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuancesame for all |
0.00 USD
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
Virtual card✅ Free ✅ FreeChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 USD
exodus.com checked 30 Oct 2026
Source and check
Source
exodus.com
Wording at the source
With Exodus Pay, you can send payments instantly to friends, spend with your free Exodus Card, and earn rewards, all in one app.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Physical card issuancesame for all |
not applicable
exodus.com checked 30 Oct 2026
Source and check
Source
exodus.com
Wording at the source
Your Exodus Card is currently available only as a virtual card. ATM withdrawals aren't supported.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Free cardssame for all | unknown | |
| Shippingsame for all |
not applicable
exodus.com checked 30 Oct 2026
Source and check
Source
exodus.com
Wording at the source
Your Exodus Card is currently available only as a virtual card. ATM withdrawals aren't supported.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Monthly feesame for all | unknown | |
| Annual feesame for all |
199.00 USD
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
Premium$199 billed annuallyChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Top-up feesame for all | unknown | |
| Crypto deposit feesame for all | unknown | |
| Crypto conversion feesame for all | unknown | |
| Foreign currency feesame for all |
1.75 %
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
Forex Markup Non USD Transactions1.75% 0.75%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
0.75 %
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
Forex Markup Non USD Transactions1.75% 0.75%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| FX free allowancesame for all | unknown | |
| Minimum FX feesame for all | unknown | |
| ATM fee (differs)same for all |
3 %
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
ATM Withdraw Fee 3% 2%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
2 %
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
ATM Withdraw Fee 3% 2%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
not applicable
exodus.com checked 31 Oct 2026
Source and check
Source
exodus.com
Wording at the source
Your Exodus Card is currently available only as a virtual card. ATM withdrawals aren't supported.Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
| Transaction feesame for all | unknown | |
| Cross-border feesame for all | unknown | |
| Withdrawal feesame for all | unknown | |
| Activation feesame for all | unknown | |
| Account closure feesame for all | unknown | |
| Dispute feesame for all | unknown | |
| Minimum top-upsame for all |
only in the app
exodus.com checked 30 Oct 2026
Source and check
Source
exodus.com
Wording at the source
Some deposit methods have a minimum amount which is shown in Exodus Pay.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Declined payment feesame for all | unknown | |
| Refund feesame for all | unknown | |
| Inactivity feesame for all | unknown | |
| Minimum monthly spendsame for all | unknown | |
| Inactivity rulesame for all | unknown | |
| Card replacementsame for all | unknown | |
| Unknown for all | Free cards · Monthly fee · Top-up fee · Crypto deposit fee · Crypto conversion fee · FX free allowance · Minimum FX fee · Transaction fee · Cross-border fee · Withdrawal fee · Activation fee · Account closure fee · Dispute fee · Declined payment fee · Refund fee · Inactivity fee · Minimum monthly spend · Inactivity rule · Card replacement | |
| Rewards | ||
| Cashbacksame for all |
only in the app
exodus.com checked 31 Oct 2026
Source and check
Source
exodus.com
Wording at the source
You will earn Earned Points for each Qualified Transaction available to Users in your jurisdiction, calculated at a rate, and subject to any caps, category limits, or exclusions, disclosed to you from...Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
|
| Referral bonus (invited friend)same for all | unknown | |
| Referral bonus (you)same for all | unknown | |
| Welcome bonussame for all |
1 point for each day the wallet has been active, awarded once per wallet
exodus.com checked 30 Oct 2026
Source and check
Source
exodus.com
Wording at the source
- When you join Exodus Rewards, you get a one-time welcome bonus of 1 point for each day your wallet has been active. - The bonus is added to your points when you join. It's given once per wallet, so...Checked Verified Value wrong? No earlier versions What does [s] mean? |
|
| Unknown for all | Referral bonus (invited friend) · Referral bonus (you) | |
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
Watch both cards
One mail when something changes at Cypher Card · Exodus Card: promotions and bonuses as well as warnings and incidents.