# Cypher Card

by Cypher · checked 29 Oct 2026 · updated 29 Oct 2026

Website: [cypherhq.io](https://cypherhq.io)

## Facts

- Cypher Card is a Visa credit card from Cypher.
- A virtual card costs 0.00 USD.
- The card works with Apple Pay, Google Pay.
- Custody: self-custody.
- Supported assets: ETH, USDC, SOL.
- Top-up networks: Ethereum, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism, Avalanche, zkSync, Cosmos.
- Issuer / BIN sponsor: Third National.

## Basics

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Card form | credit |  | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card types | virtual, physical, metal |  | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ Standard | virtual, physical, metal |  | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ Plan Standard | virtual, physical |  | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ Plan Premium | virtual, physical, metal |  | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card network | Visa |  | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Custody | self-custody |  | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Funding model | stablecoin balance |  | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card currencies | USD |  | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Usage | personal |  | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Limits depend on | plan |  | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Cards per account | unknown |  |  |
| Mobile wallets | Apple Pay, Google Pay |  | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ATM withdrawals | Yes |  | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Contactless | Yes |  | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Fees and variants

|  | All variants | Standard | Premium | Source |
| --- | --- | --- | --- | --- |
| Status |  | available | discontinued |  |
| Price |  | Price not published | 199.00 USD/year | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Score |  | 58.48 (Entry variant) | 58.28 |  |
| **Card** |  |  |  |  |
| Card types |  | virtual, physical | virtual, physical, metal | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ATM withdrawals | Yes |  |  | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| **Fees** |  |  |  |  |
| Virtual card issuance | 0.00 USD |  |  | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Physical card issuance |  | Physical card: 50.00 USD | Metal card: 0.00 USD | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Shipping | unknown |  |  |  |
| Monthly fee | unknown |  |  |  |
| Annual fee |  | unknown | 199.00 USD | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Top-up fee |  | with USDC · top-up via crypto: 0.5 % | with USDC · top-up via crypto: free (Excludes USDC on BNB) | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Crypto deposit fee | unknown |  |  |  |
| Crypto conversion fee | unknown |  |  |  |
| Minimum conversion | unknown |  |  |  |
| Foreign currency fee |  | 1.75 % | 0.75 % | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ United States | 1 % |  |  | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Minimum FX fee | unknown |  |  |  |
| ATM fee |  | 3 % | 2 % | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Merchant-specific fee | unknown |  |  |  |
| Declined payment fee | unknown |  |  |  |
| Refund fee | unknown |  |  |  |
| Inactivity fee | unknown |  |  |  |
| Minimum monthly spend | unknown |  |  |  |
| Inactivity rule | unknown |  |  |  |
| Card replacement | unknown |  |  |  |
| Plan waivers | unknown |  |  |  |
| **Cashback & rewards** |  |  |  |  |
| Cashback | unknown |  |  |  |
| **Limits** |  |  |  |  |
| Top-up per transaction | 100,000 USD |  |  |  |
| Spending per day |  | 50,000 USD | 200,000 USD |  |
| Spending per month |  | 150,000 USD | 500,000 USD |  |
| ATM per day | 2,000 USD |  |  |  |
| ATM per day (number) | 3× |  |  |  |
| ATM per month | 10,000 USD |  |  |  |
| ATM per month (number) | 30× |  |  |  |

## KYC and limits

KYC: ID document

### ID document

- Verified at Cypher — Requires: E-mail, ID document, Selfie / liveness — cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026)

The limits are listed per variant in the table variants and fees.

## Availability

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Available in | unknown |  |  |
| Residency requirement | US service is unavailable in Arizona, Delaware, Georgia, Idaho, Louisiana, Maryland, Missouri, Montana, New Mexico, North Dakota, Ohio, Oregon, Rhode Island, South Dakota, Vermont, Washington, Wisconsin and Wyoming. |  | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |

| Country | Available |
| --- | --- |
| Germany | unknown |
| Austria | unknown |
| Switzerland | unknown |
| United States | unknown |
| United Kingdom | unknown |
| France | unknown |
| Spain | unknown |
| Italy | unknown |
| Netherlands | unknown |
| Türkiye | unknown |
| Brazil | unknown |
| Nigeria | unknown |
| India | unknown |
| United Arab Emirates | unknown |
| Singapore | unknown |

## Crypto

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Supported assets | ETH, USDC, SOL |  | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Number of supported assets | unknown |  |  |
| Top-up networks | Ethereum, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism, Avalanche, zkSync, Cosmos |  | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Spending order | unknown |  |  |
| Fiat top-up | No |  | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Trust

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Issuer / BIN sponsor | Third National |  | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Program manager | unknown |  |  |
| Headquarters | Available in: United States |  | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Support channels | email, phone |  | cypherhq.io (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Company and trust

### Issuer

- Third National (United States)
- Registered name: Nimbus LLC
- Issues 18 card programmes in our catalogue

### Transparency

- Transparency 86 %
- 0 of 17 key values not published
- Imprint / company details: no
- Public fee schedule: yes
- Cardholder agreement: yes
- Terms and conditions: yes
- Terms with version or date: yes
- Sources last checked 2026-10-29

## How the score is made up

58.48 of 100 · average. Weighted sum of the criteria, each 0 to 100 from proven values. A criterion without data is not scored and counts neutral, not as 0.

| Criterion | Weight | Part (0–100) | Points |
| --- | --- | --- | --- |
| Costs | 25 % | 68 | 17.0 |
| KYC and privacy | 20 % | 35 | 7.0 |
| Features | 15 % | 76 | 11.4 |
| Availability | 10 % | not scored | counts neutral (5.0) |
| Rewards | 10 % | not scored | counts neutral (5.0) |
| Trust | 10 % | 81 | 8.1 |
| Community | 10 % | not scored | counts with the median (5.0) |

## Changelog

- 29 Oct 2026: Changes to limits.
- 29 Oct 2026: Score changed from 54 to 58.48.
- 29 Oct 2026: Changes to limits.
- 29 Oct 2026: Changes to limits.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Changes to limits.
- 29 Oct 2026: Changes to limits.
- 29 Oct 2026: Changes to limits.
- 29 Oct 2026: Changes to licences.
- 29 Oct 2026: Score changed from 57.64 to 54.
- 29 Oct 2026: Score changed from 58.93 to 57.64.
- 29 Oct 2026: Discontinued on: August 8, 2026.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: New logo.

Found an error or a missing value? Report it with a source: https://cryptocardss.com/en/cypher-card/report-an-error/

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- **Canonical URL:** https://cryptocardss.com/en/cypher-card/
- **As of:** 29 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 29 Oct 2026, https://cryptocardss.com/en/cypher-card/