Comparison
Cypher Card vs. Vield Non-Custodial Mastercard: fees, limits & KYC
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Cypher CardCypher
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Vield Non-Custodial MastercardVield
In short
- Vield Non-Custodial Mastercard has the lowest foreign currency fee (1.5 %).
- Cypher Card has the higher score (58.48).
| Attribute |
Cypher CardCypher
Requires KYC
Private
Virtual
Physical
Metal
|
Vield Non-Custodial MastercardVield
Requires KYC
Private
Virtual
|
|---|---|---|
| Score | average with variant Premium (discontinued): 58.28 | average |
| CostsWeight 25 % | 68 | 83 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 76 | 40 |
| AvailabilityWeight 10 % | not scored | 0 |
| RewardsWeight 10 % | not scored | not scored |
| TrustWeight 10 % | 81 | 68 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card form (differs) |
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? |
prepaid
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
The Virtual Prepaid Mastercard is issued by Immersve Pty Ltd (ABN 93 658 192 057, AFSL Number 545925) pursuant to license by Mastercard.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card types (differs) |
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
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
- Virtual card: Currently digital-only (no physical card yet)Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card network (differs) |
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? |
Mastercard
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
- Accepted everywhere: Use anywhere Mastercard is acceptedChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Custody |
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
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
- Non-custodial: You retain full control of your cryptoChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Funding model |
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
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
1. USDC is deducted from your Vield card balance 2. The amount is instantly converted at the USDC/AUD market rate 3. The transaction is completed in merchant currencyChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card currencies (differs) |
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? |
AUD
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
2. The amount is instantly converted at the USDC/AUD market rateChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Usage |
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
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
The Card is available only to individuals. It is designed for personal use and must not be used for any commercial purposes.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs) |
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? |
Immersve Pty Ltd (ABN 93 658 192 057, AFSL 545925)
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
The Virtual Prepaid Mastercard is issued by Immersve Pty Ltd (ABN 93 658 192 057, AFSL Number 545925) pursuant to license by Mastercard.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Limits depend on (differs) |
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? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Cards per account | unknown | |
| Availability | ||
| Available in | unknown | |
| Crypto | ||
| Supported assets (differs) |
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? |
USDC
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
- Currently accepted: USDC on Polygon network onlyChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown | |
| Top-up networks (differs) |
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? |
Polygon
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
- Currently accepted: USDC on Polygon network onlyChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fiat top-up |
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? |
No
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
The Available Balance may only be comprised of USDC which is loaded on the Card via your Smart Contract Account.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Payments | ||
| Mobile wallets |
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
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
- Digital wallets (Apple Pay, Google Pay)Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| ATM withdrawals (differs) |
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
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
- ATM withdrawals: Not supported (virtual card only)Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Contactless |
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
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
- Physical purchases: Cannot insert at point of sale (no physical card yet), however payWave is available via Apple Pay and Google WalletChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance (differs) |
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? |
unknown |
| Physical card issuance (differs) |
not applicable
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
Virtual Form - The Card is issued in virtual form only, eliminating the need for a physical card.Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Free cards | unknown | |
| Shipping (differs) |
not applicable
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
Virtual Form - The Card is issued in virtual form only, eliminating the need for a physical card.Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Monthly fee (differs) |
0.00 AUD
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
- Monthly fees: NoneChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Annual fee |
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 fee (differs) |
free
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
- Vield does not charge top-up feesChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Crypto deposit fee | unknown | |
| Crypto conversion fee | unknown | |
| Foreign currency fee (differs) |
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? |
1.5 %
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
| Currency Conversion Fee: payable and deducted from the Card at the same time you make a transaction using the Card in a currency other than USD, or you make a transaction using the Card in any curre...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| FX free allowance | unknown | |
| Minimum FX fee | unknown | |
| ATM fee (differs) |
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
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
The Card cannot be used for cash withdrawals from ATMs or other service providers.Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
| Transaction fee | unknown | |
| Cross-border fee | unknown | |
| Withdrawal fee | unknown | |
| Activation fee | unknown | |
| Minimum top-up | unknown | |
| Declined payment fee | unknown | |
| Refund fee | unknown | |
| Inactivity fee (differs) |
0.00 AUD
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
- Inactivity fees: NoneChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Minimum monthly spend | unknown | |
| Inactivity rule | unknown | |
| Card replacement (differs) |
free
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
| Card Replacement Fee | $0 |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Rewards | ||
| Cashback | unknown | |
| Referral bonus (invited friend) | unknown | |
| Referral bonus (you) | unknown | |
| Welcome bonus | unknown | |
Highlighted rows differ.
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
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One mail when something changes at Cypher Card · Vield Non-Custodial Mastercard: promotions and bonuses as well as warnings and incidents.