Cypher Card
by Cypher
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- Not listed
- ID check
- ID verification
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
Cypher Card was an early mover in low-fee crypto spending, supporting 772 coins across 25 blockchains. Its non-custodial, multi-chain design suited DeFi users with varied holdings, but the service is now being shut down.
What we like
- +772 supported cryptocurrencies, well above rivals
- +25+ blockchains including Ethereum, Solana and Cosmos
- +Non-custodial, so you control crypto until you spend it
- +Available in 160+ countries including the US
- +Customer service rated 8.8/10
Watch out for
- −No cashback on purchases
- −1.75% foreign transaction fee on the standard plan
- −3% ATM fee, or 2% on Premium
- −Balance must be loaded in advance, with no conversion at checkout
- −Android app is less stable than iOS
7.4/10
Editor score
Good
4.5/10
User rating
Based on 20 sources
Lv 3
KYC Level
ID verification
Global
Availability
Available worldwide
Card Overview
Rewards
- Cashback
- —
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- 3%
- FX Fee
- 1.75%
- Top-up Fee
- —
- Decline Fee
- —
Limits
- Daily Spend
- Unlimited
- Monthly Spend
- Unlimited
- ATM Withdrawal
- Unlimited
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Visa
- Apple Pay
- Google Pay
KYC Requirements
Level: ID verification
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
4.5/10
Sourced from
Cypher Card let users spend crypto from wallets they managed themselves across more than 25 networks through Visa merchants. Founded in 2021 and backed by Y Combinator and Coinbase Ventures, it won over digital nomads and crypto-native users, especially in Southeast Asia. On July 8, 2026, Nium bought the engineering team and technology but dropped the consumer product. The CYPR token fell 88% on the news with no compensation for retail holders. Card spending stops on August 7, 2026 and the platform closes on September 6, 2026. Feelings were mixed to positive before the announcement, then turned strongly negative over the shutdown and sense of abandonment.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum, Polygon, Solana, Arbitrum, Avalanche, BNB Chain, Optimism, Base
Frequently asked questions
Does the Cypher Card require KYC?
Yes. Cypher asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the Cypher Card charge?
The card has a monthly fee of free, an issuance fee of free, an FX fee of 1.75%. See the fee table above for ATM and decline fees.
Does the Cypher Card work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the Cypher Card?
It is available worldwide, subject to the issuer's own checks.
Which cryptocurrencies does the Cypher Card support?
BTC, ETH, USDC, USDT, SOL, MATIC, AVAX, ARB.
Last updated August 19, 2026, verified August 6, 2026.