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Image source Source cypherhq.io Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only.

by Cypher Discontinued

Cypher Card

Discontinued since 08/2026.

The page stays as an archive; its values are no longer checked regularly. See alternatives

Requires KYC Private Virtual Physical Metal

checked 29 Oct 2026 Source and check Checked29 Oct 2026 Verified29 Oct 2026 Updated29 Oct 2026 “checked” is the last time the source was found unchanged; “verified” is the last time the value was read from the source. “updated” is the last real value change. What does [s] mean? Something missing? Alerts

Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on
Score average of 100

How it is made up ↓Methodology →

To Cypher

Basicscypher-card

Card form
credit Source and check Source cypherhq.io Wording at the source # CYPHER CREDIT CARD ACCOUNT OPENING DISCLOSURES – NO SET LINE OF CREDIT Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
Card types
virtual, physical, metal Source and check Source cypherhq.io Wording at the source # Virtual card & Physical card 15 articles Adding Your Card to Mobile Wallets Are there any charges for issuing a virtual card? How do I get a physical card? How do I get the Cypher VISA card?... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card network
Visa 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?
Custody
self-custody 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?
Funding model
stablecoin balance Source and check Source cypherhq.io Wording at the source - Your funds are completely safe and can be withdrawn at any time before the deadline, with no fees.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?
Card currencies
USD 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?
Usage
personal 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?
Limits depend on
plan 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?
Cards per account
unknown
Mobile wallets
Apple Pay Google Pay 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?
ATM withdrawals
Yes 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?
Contactless
Yes 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?

Fees and variants

Attribute Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Standard Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Premium discontinued 199.00 USD /year Source and check Source cypherhq.io Wording at the source Premium$199 billed annually Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card
Card types virtual, physical Source and check Source cypherhq.io Wording at the source Cards Virtual card✅ Free ✅ Free Physical Card✅ ($50Shipping fee) ✅ ($50Shipping fee) Metal Card🚫 ✅ Free Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? virtual, physical, metal Source and check Source cypherhq.io Wording at the source Cards Virtual card✅ Free ✅ Free Physical Card✅ ($50Shipping fee) ✅ ($50Shipping fee) Metal Card🚫 ✅ Free Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
ATM withdrawals Yes 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?
Fees
Virtual card issuance 0.00 USD Source and check Source cypherhq.io Wording at the source Virtual card✅ Free ✅ Free Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Physical card issuance Physical card: 50.00 USD Source and check Source cypherhq.io Wording at the source # Standard Plastic Card (PVC) - Cost: $50. The $50 fee includes both card production and shipping. No additional delivery charges apply. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Metal card: 0.00 USD Source and check Source cypherhq.io Wording at the source Metal Card🚫 ✅ Free Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Shipping unknown
Monthly fee unknown
Annual fee unknown 199.00 USD Source and check Source cypherhq.io Wording at the source Premium$199 billed annually Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Top-up fee with USDC · top-up via crypto: 0.5 % Source and check Source cypherhq.io Wording at the source Crypto Load Fee USDC0.5% ✅ Free Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? ↳ Topping up 100.00 USD: 0.50 USD ↳ Topping up 1,000.00 USD: 5.00 USD with USDC · top-up via crypto: free (Excludes USDC on BNB) Source and check Source cypherhq.io Wording at the source *** USDC supported on Ethereum, Solana, Noble, Base, Polygon, Optimism, Arbitrum, Avalanche. Premium users enjoy zero USDC load fees on these chains. Note: USDC on BNB is bridged, so it incurs 0.5% f... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? ↳ Topping up 100.00 USD: 0.00 USD ↳ Topping up 1,000.00 USD: 0.00 USD
Crypto deposit fee unknown
Crypto conversion fee unknown
Minimum conversion unknown
Foreign currency fee 1.75 % 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 % 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?
Foreign currency fee
differs in US
  • United States: 1 % applies to United States Source and check Source cypherhq.io Wording at the source | - International Transaction | 1% of each transaction in U.S. dollars. | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026
Minimum FX fee unknown
ATM fee 3 % 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? ↳ Withdrawing 200.00 USD at an ATM: 6.00 USD 2 % 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? ↳ Withdrawing 200.00 USD at an ATM: 4.00 USD
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 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 Value wrong? No earlier versions What does [s] mean? all variants
Spending per day 50,000 USD Two sources, two values Shown50,000 USD cypherhq.iochecked 29 Oct 2026 Daily Limit / Card$50,000 $200,000 Differingvalue not recorded Our verifier confirmed the shown value; the differing source is being checked. Value wrong? No earlier versions What does [s] mean? 200,000 USD Two sources, two values Shown200,000 USD cypherhq.iochecked 29 Oct 2026 Daily Limit / Card$50,000 $200,000 Differingvalue not recorded Our verifier confirmed the shown value; the differing source is being checked. Value wrong? No earlier versions What does [s] mean?
Spending per month 150,000 USD Two sources, two values Shown150,000 USD cypherhq.iochecked 29 Oct 2026 Monthly Limit / Card$150,000 $500,000 Differingvalue not recorded Our verifier confirmed the shown value; the differing source is being checked. Value wrong? No earlier versions What does [s] mean? 500,000 USD Two sources, two values Shown500,000 USD cypherhq.iochecked 29 Oct 2026 Monthly Limit / Card$150,000 $500,000 Differingvalue not recorded Our verifier confirmed the shown value; the differing source is being checked. Value wrong? No earlier versions What does [s] mean?
ATM per day 2,000 USD Source and check Source cypherhq.io Wording at the source Daily - $2,000 ATM withdrawal frequency - 3/day Checked Verified Value wrong? No earlier versions What does [s] mean? all variants
ATM per day (number) 3× Source and check Source cypherhq.io Wording at the source Daily - $2,000 ATM withdrawal frequency - 3/day Checked Verified Value wrong? No earlier versions What does [s] mean? all variants
ATM per month 10,000 USD Source and check Source cypherhq.io Wording at the source Monthly - $10,000 ATM withdrawal frequency - 30/Month Checked Verified Value wrong? No earlier versions What does [s] mean? all variants
ATM per month (number) 30× Source and check Source cypherhq.io Wording at the source Monthly - $10,000 ATM withdrawal frequency - 30/Month Checked Verified Value wrong? No earlier versions What does [s] mean? all variants

Amounts in your display currency are approximations (hover or tap for the original and the rate) · exchange rate of

KYC and limits

  1. ID document

    ID document, often with a selfie or video ident

    1. Verified at Cypher

      review time Typically 24-48 hours; may be instant when information matches documents

      Source and check Source cypherhq.io Wording at the source Typically, KYC verification takes 24-48 hours. If all the information provided matches the submitted documents, your application might be approved instantly. However, discrepancies may require manual... Checked Verified Value wrong? History What does [s] mean?

      Requires: E-mail, ID document, Selfie / liveness

      Government-issued passport, national ID or driver's license; document must be clear, valid and readable.

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

KYC: ID document Identity verification is required from the first level.

When is KYC needed?

No triggers published.

What do you have to show? Open the KYC finder

Availability

AttributeValue
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. Source and check Source cypherhq.io Wording at the source ### United States - Unsupported States Our services are not available in the following U.S. states: Arizona Delaware Georgia Idaho Louisiana Maryland Missouri Montana New Mexico North Dakot... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

Key countries

  • 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

✓ available · ✗ not available · ? not known from the sources

Crypto

AttributeValue
Supported assets ETH, USDC, SOL 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?
Number of supported assets unknown
Top-up networks Ethereum, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism, Avalanche, zkSync, Cosmos 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. Hyperliquid Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Spending order unknown
Fiat top-up No 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?

Bonuses and promotions

What Cypher offers itself: referral bonus, welcome bonus, running promotions and partner programme. Values of the provider, with source; no affiliate link in it.

No referral bonus, welcome bonus or promotion documented yet.

Trust

AttributeValue
Issuer / BIN sponsor Third National 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?
Program manager unknown
Headquarters Available in: United States Source and check Source cypherhq.io Wording at the source We are headquartered in the United States. Most of the operations are located in the United States. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Support channels email, phone Source and check Source cypherhq.io Wording at the source To find out what may have changed, write the servicer at <[email protected]> or call us on +1(408)357-3569 Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

Issuer

Third National (United States) 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 Registered name: Nimbus LLC Source and check Source legal.raincards.xyz Wording at the source Third National services: Nimbus LLC, doing business as Third National and Third National LLC, is a licensed lender, money transmitter and Visa-authorized card issuer that provides card issuance, payme... Checked Verified 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

Licences

No licences captured yet.

What users report

No community reports evaluated yet.

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.

The score uses the entry variant Standard; sorting stays with it. With another variant: Premium 58.28

Methodology and weights
  1. CostsWeight 25 %
    68/100
    17.0 of 25 points

    monthly/annual fee, top-up, FX and ATM fees

  2. KYC and privacyWeight 20 %
    35/100
    7.0 of 20 points

    KYC class needed, KYC-free allowance

  3. FeaturesWeight 15 %
    76/100
    11.4 of 15 points

    wallets, physical card, ATM, assets, chains

  4. AvailabilityWeight 10 %
    –
    not scored counts neutral (5.0)

    number of countries, EU/US/UK

  5. RewardsWeight 10 %
    –
    not scored counts neutral (5.0)

    cashback considering caps and staking requirements

  6. TrustWeight 10 %
    81/100
    8.1 of 10 points

    licences, incidents, company and card age, issuer, ownership, security, transparency

    Trust in detail
    • LicencesWeight 15 % not scored
    • Company age (up to 5 years)Weight 10 % not scored
    • Card on the market (up to 3 years)Weight 10 % not scored
    • IssuerWeight 15 % 60
    • OwnershipWeight 10 % not scored
    • Security evidenceWeight 15 % not scored
    • TransparencyWeight 10 % 86
    • Incidents (12 months)Weight 15 % 100
  7. CommunityWeight 10 %
    –
    not scored counts with the median (5.0)

    ratings and reports, damped, neutral with too little data

Early warning

Alerts for this card

We tell you what changes at Cypher Card and Cypher, with evidence for every alert.

What do you want to receive?

You will first get a mail with a confirmation link.

Changelog

  • Changes to limits.

  • Score changed from 54 to 58.48.

  • Changes to limits.

  • Changes to limits.

  • Changes to KYC levels and requirements.

  • Changes to limits.

  • Changes to limits.

  • Changes to limits.

  • Changes to licences.

  • Score changed from 57.64 to 54.

  • Score changed from 58.93 to 57.64.

  • Discontinued on: August 8, 2026.

  • Changes to KYC levels and requirements.

  • New logo.

Apply for Cypher Card directly with the provider.

All information without guarantee; the provider’s terms are binding. No investment or financial advice: scores are methodical comparisons, not recommendations.

Report an error To Cypher