A crypto card that tells you little about its fees, its issuer or its safety

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

HexaCard sells a prepaid-style crypto card at a price you can hold in your head — $14.99 for a virtual card, $29.99 for a physical one, plus a $10 first top-up either way — and lets you load it with USDT, ETH, BTC, LTC and SOL, or with fiat through Apple Pay, Google Pay, Visa and Mastercard. That is the whole sales pitch, and on its own terms it is not an unreasonable one. The trouble starts the moment you ask the questions a person actually needs answered before they put money on a card: what does it cost me to spend, who issued this thing, which countries can have it, what happens if the account is frozen. On those questions the public pages are close to silent.

The conditions described here are current as of October 28, 2026.

I want to be clear about what kind of review this is. I have not held the card, loaded it or spoken to anyone at the company. What follows is the card’s own published material — its FAQ, home page, Card Agreement and User Agreement — read alongside what users report publicly, plus how crypto cards work in general. Where the card says nothing, I say so rather than filling the gap. Where a number comes from a third-party site rather than from HexaCard, I flag it.

My overall mark is 4.6 out of 10. That is not a rounding of “avoid” into “consider” — it is a genuine split card. The loading and pricing side is fine. The disclosure side is the problem, and disclosure is what you are buying when you buy a card.

Verdict: 4.6 out of 10

HexaCard suits a narrow group: someone in Georgia, Turkey or Canada who needs a working payment card quickly, is comfortable sending crypto to an address the app gives them, and can afford to treat the balance as money they could lose. For that person the card is cheap and does the job. For anyone who needs to know what a purchase will cost them, or who is relying on the card to hold money they cannot replace, the same silence that makes it feel simple is the thing that makes it unsafe.

The one thing I would want you to hold on to from that table is the shape of it. Nothing here is bad in the way a scam is bad — there is no regulator warning, no news story, nothing dramatic. It is bad in the way a contract with blank spaces is bad. The card may be perfectly fine. You simply cannot tell from the outside, and the people who could tell you are mostly one-star reviews.

Who they will give the card to

The official FAQ is where the eligibility question gets answered, and the answer is a list of six countries: Georgia, Canada, Germany, United Kingdom, Turkey, United States, alongside the claim that there are “over 25 BINs in various GEOs”. So the card is at least operable in more places than it will be issued in. What the pages do not say is whether the test is where you live, where you are a citizen, or where your documents come from — and for anyone who has ever been caught between those three, that is the question that matters. Nor is there any stated list of countries where an existing holder can keep spending. It is not stated.

The name to watch on Georgia is the card’s own typo: the FAQ spells it “Gerogia”. Small thing, but on an eligibility list it is the kind of detail that makes you wonder how carefully the rest was checked.

Everything else about who gets the card is not stated: no exclusions, no residency periods, no note about what happens to applicants from countries not on the list.

How to get it

Two products, and it is a genuine choice rather than a tier ladder: a virtual card and a physical one. The card sits on “Visa and MasterCard or American Express networks” — all three named, which is unusual and slightly odd, since a single card normally rides one network. Currency support is claimed two ways on the same material: “28 currencies” and “32 different currency units”. Both figures appear; neither is reconciled.

The verification story is thin. HexaCard’s own Card Agreement is the most informative document here: the company asks for your name, street address, date of birth and other identifying information, and may ask for a driver’s licence or other ID documents. Levels are not stated, processing time is not stated, and neither are the grounds on which an application can be refused. What you should take from this is that a document check plainly exists and is more demanding than a bare email signup — but not how far it goes, and not how long you will wait.

Delivery is where the silence is most consequential. Which countries the physical card ships to, how long it takes, what it costs, and what a replacement costs are all not stated. Only the card price itself is published. If you lose a physical card abroad, you have no published basis for what happens next, and users report being asked $15 or $25 for a replacement.

Fees: what it really costs

Here is the most useful thing I can do for you, and it is not flattering. HexaCard publishes its headline prices exactly and leaves the operating costs almost entirely blank. Read the table below as a list of what you know and what you are guessing.

Three numbers on that card come from somewhere other than the card itself. The replacement fee is from reviews, unofficial and unconfirmed. The minimum top-up is worse: the home page says a “$10 initial top-up required” while the FAQ says “The minimum amount to top up your balance is $20”. Two official pages, two different minimums, no explanation. Before you plan around either, ask support which one is live — and note that support is one of the things reviewers say goes quiet.

Now the part that actually decides whether a card is cheap for you: three ordinary payments.

• A coffee in your own currency. The card converts a crypto balance into whatever the terminal asks for. The conversion fee is not stated and the FX fee is not stated. This is the payment where the missing numbers matter most, because you have no way to know what the last percentage was.
• Anything bought from a merchant in another country. The same two unstated fees apply, plus whatever your own network adds. Again: no published figure to compare against a competitor.
• A withdrawal from an ATM in Turkey, say. The fee is not stated, the allowance is not stated, and the Card Agreement leaves limits entirely to “the Accountholder’s Administrator or Hexacard” with no amounts. You could pay a meaningful slice of your balance in charges, or be declined mid-trip, and the card’s own pages will not tell you in advance which.

I know what it is like to read a fee table that is mostly dashes and still be tempted, because the entry price really is low. The rational response is to price the *unknown* at more than the known. Treat your balance as if a meaningful slice of it might not arrive at the merchant, and if a specific fee would change your decision, ask support for it in writing before you top up.

Top up: the part that has to be right the first time

Loading is the strongest section of this offer. The card accepts USDT, ETH, BTC, LTC, SOL “and more”, and fiat through Apple Pay, Google Pay, Visa and Mastercard. The FAQ adds bank cards, direct transfer, wire transfer and cryptocurrency, “depending on region”. That is a wide door.

It is also a wide door with the hinges unlabelled. Networks are not specified for any of the listed coins, which is the single most consequential unknown on this page. If you send USDT on a chain the provider does not support, blockchain transfers are irreversible — a network the provider does not support, or an address of another network, can be lost or need manual recovery with no guarantee. Nothing in HexaCard’s material tells you which networks those are, so the mistake is entirely possible to make.

A second detail worth knowing before you press send: on Ethereum, token transfers need ETH for gas, so a wallet holding USDT and nothing else cannot send. Tron-based transfers are paid through bandwidth and energy, often by burning TRX. Whoever at HexaCard is helping you would need to tell you which network they want and what it costs to get there — and “who pays network fees” is itself not stated.

One more thing on outgoing money. Withdrawing your balance back to crypto or to a bank account is not stated as supported. If the balance is a one-way door, that changes what you are willing to put in. Related: the Card Agreement says Hexacard may cancel or restrict a card at any time, that some cancellations are “automatic and irreversible”, and that cards are auto-cancelled after six consecutive failed transactions or three consecutive failed withdrawals. What happens to the balance when a card closes is not explained. That sentence in a review is the one I would re-read twice.

Paying with it every day

For day-to-day spending, the card is unremarkable in the way a prepaid card is: it draws on a balance you have loaded, so it cannot overdraw, and that is genuinely the whole model.

Apple Pay and Google Pay appear only as ways to *fund* the card. Whether the card can be provisioned into a mobile wallet is not stated. That is a real limit for anyone planning to leave the plastic at home, and it is not a small one — tokenised mobile wallets are where most of the everyday convenience of modern card payment lives. Blocked merchant categories are also not stated; some issuers block gambling categories on specific cards by policy, and there is nothing here either way.

Rewards are thin and specific: cashback on physical cards only, for Spotify, Steam and Google Play Store. The rate is not stated. If your spending is groceries and rent rather than subscriptions, this is worth nothing to you, and it is worth nothing on a virtual card.

Two smaller notes. The app exists for iOS and Android, linked from the site. One third-party source lists an App Store rating of 3.6 out of 5 from 17 ratings at version 1.2.7, first released 13 December 2023 — unofficial, from a store-mirror site, not confirmed by the card, and a small enough sample that I would not lean on it either way. And a declined payment can leave a hold on your funds that persists for days, typically up to seven, which is worth knowing before you assume a failed purchase means an unspent balance.

Support is organised into Business, Personal, Support and Others behind a contact form, with a Help Center address at Bartle House, Oxford Court, Manchester M2 3WQ, and an email that is obscured on the page. Company replies on Trustpilot give [email protected]. If you write, keep the record.

What can go wrong

The risk section is where this card earns its 2 out of 10.

Start with the simplest question people ask: who is behind this? The User Agreement names “Hexacard Business Corporation” under New York law. The Card Agreement points to the “Celtic Bank Privacy Policy” for issuer data without naming the issuer directly. No company name appears on the card’s own pages, and no licences are claimed on the pages I read. One unofficial source lists the App Store seller as TransferEasy Limited — third-party, unconfirmed. So: you can follow the paperwork to a named entity and an address in Manchester, and no further than that.

Reviews describe the failure modes with a consistency that matters more than their individual tone. Trustpilot, read on 20 October 2026, shows a TrustScore of 2.0 from 17 reviews, 82% one-star and 18% five-star. An earlier count on a regional page showed 2.8 from 12 reviews. The recurring themes:

• Cards or balances blocked or closed, top-ups failing — reported between November 2025 and July 2026.
• Support silent for weeks — November 2025 to July 2026.
• Funds tied to a Turkish issuer and a Papara dispute — November 2025 to October 2026, with reported losses around $60 to $100.
• $15 or $25 asked for a replacement card — November 2025 and June 2026.
• A burst of five-star reviews within hours that one reviewer suspected were fake — November 2025.

The company replies to 61% of negative reviews, and its position is consistent: this is “not directly controlled by us”. It said services were “fully active” on 2 November 2025 and that restrictions were compliance updates; on 26 February 2026 it said the Turkey and Papara disruption was on the provider’s side and restoration depended on that provider; and on 3 July 2026 that some top-up methods may be limited depending on region. Those are statements made by the company on a third-party site, not verified facts. No regulator warning and no news coverage surfaced.

Two more exposures. First, security claims: the site says transactions are monitored “24/7” and that 3-D Secure codes arrive by app or SIM. Whether the card is custodial or self-custody is not stated, and neither is any insurance or safeguarding arrangement — and in the EU, e-money institutions must safeguard customer funds, but safeguarded funds are not the same as bank deposits and may not sit under a deposit guarantee scheme. Second, the agreement is older than the card’s recent behaviour: the User Agreement was last updated 4 January 2024. It routes disputes to informal resolution for 30 days, then to binding individual arbitration under AAA rules in New York, with no class actions and a 30-day opt-out window. Section 17 states that during third-party provider disruptions “refunds cannot be processed”. Chargeback time frames are not stated. If you are outside the United States, read that section before you load anything.

What I would want to see before trusting it with money I need

Not a reassurance — a document. A named issuer. A published conversion and FX fee. A stated network list for each coin. A published limit table. An explicit answer on whether the balance is refundable if the card is closed. Any one of these would move my mark; all five would move it a long way.

Pros and cons, side by side

What to take instead

I scored three alternatives on the same basis, so the comparison is like for like.

CardFlow — 4.9 out of 10. Aims at Nigeria, describing itself as “Nigeria’s smartest fintech card platform” for “Nigerians and global users”, with no country list or exclusions stated. A virtual USD Mastercard created quickly, and creating a virtual card is described as completely free. Funded with Bitcoin, USDT, ETH or a Naira bank transfer, networks unstated. Fees and rewards are not stated. Its appeal is the free virtual card and the speed; its problem is that nothing about cost is published either.

HyperCard — 4.7 out of 10. Official pages give no country list at all; the App Store page says the card works in “more than 176 countries”, which describes acceptance, not eligibility — a distinction that catches people out. A prepaid card with the balance in USD or EUR, funded by depositing crypto such as USDT, BTC or ETH in the app and converted to the card currency. Network, fees and rewards are not stated on the pages I could read.

Card.fi — 6.6 out of 10, and the only one of the four that publishes its numbers. Cards ship to “200+ countries”, with terms barring residents of, or orders from, a country subject to sanctions that would prohibit the service — stated as a rule rather than left to inference. Four products, virtual and physical in Classic, Premium and metal (stainless steel), every physical order including a virtual card, issued under licence from the relevant card schemes. Pricing: Virtual Classic $49 one-time, Virtual Premium $249; no monthly, annual, inactivity or minimum-balance fee. Top-up fees 1.5% plus $1.00 on Classic and 1% on Premium; FX fees 3.5% and 2.5%; the conversion fee is shown before each top-up. 32 coins across five networks — Ethereum, Base, BNB Chain, Solana and Kaanch — with a deposit address per card, conversion at market rate on arrival, and an explicit warning that the wrong chain risks permanent loss. Cashback on spending: Classic 0.8% capped at 10 USDT a month, Premium 1%, Metal 1.2% or 2% with higher caps.

The honest comparison is not quality against quality. It is disclosure against silence. Card.fi’s fees are higher than “various and low”, and higher than you will pay nowhere, because you can read them before you commit. If the reason you are considering a crypto card is that ordinary banking is difficult, the last thing you need is an institution that cannot tell you what a payment costs.

Who I would recommend it to

I would recommend HexaCard to someone who has decided they can lose the balance, and has done that deliberately. Concretely: a resident of Georgia, Turkey or Canada who needs a card this week more than they need certainty, who is comfortable identifying the right network themselves or intends to ask support first, who will keep the balance small, and who will treat a frozen card as a cost of doing business rather than a catastrophe. To that person the $14.99 or $29.99 is a fair price for a working card.

I would not recommend it to you if any of the following is true. You are turning your savings into a card balance and cannot absorb losing it. You are outside the six listed countries and the pages do not say what happens. You plan to live on the card’s cashback. You intend to add the card to Apple Pay or Google Pay and use it as your main card. Or you simply want to know what a purchase will cost you before you make it — because you will not find that out here, and that is a statement about the disclosure, not about the card’s intentions.

If you do go ahead, four habits cost nothing: confirm the minimum top-up with support before your first transfer, ask which network each coin should go on and who pays the fee, send a small test amount before sending a real one, and screenshot your balance after loading. Then pay with it, and do not treat it as the account that holds your emergency money.

Frequently asked questions

What is HexaCard?

HexaCard is a prepaid-style crypto card with a virtual option at $14.99 and a physical one at $29.99, each requiring a $10 initial top-up. You load it with crypto such as USDT, ETH, BTC, LTC or SOL, or with fiat through Apple Pay, Google Pay, Visa and Mastercard, then spend the balance as ordinary card payments. Its User Agreement names Hexacard Business Corporation under New York law, and the help centre address is in Manchester.

How does HexaCard card work?

You convert or transfer crypto into a stored balance and the card spends only that balance, so it cannot overdraw. The card sits on Visa, MasterCard or American Express networks per the FAQ, and physical cards work at ATMs worldwide. Conversion and foreign exchange fees are described only as “various and low” with no amounts published, so the real cost of a purchase cannot be calculated from the card’s own material.

Is HexaCard a bank?

The card’s public pages do not say it is a bank. The User Agreement names Hexacard Business Corporation under New York law, and the Card Agreement refers to a “Celtic Bank Privacy Policy” for issuer data without naming the issuer directly. No licences are claimed on the pages I read, so from the outside you cannot confirm which kind of institution holds your balance or how your funds are safeguarded.

Who owns HexaCard?

The contract documents point to Hexacard Business Corporation, governed by New York law, with a contact address in Manchester, UK. The company behind the app is not named on the card’s own pages. One third-party store listing gives the App Store seller as TransferEasy Limited, but that is unofficial and not confirmed by HexaCard.

Is HexaCard card available in my country?

The official FAQ names six countries: Georgia (written “Gerogia”), Canada, Germany, the United Kingdom, Turkey and the United States, and claims “over 25 BINs in various GEOs”. No exclusion list is published, and the pages do not say whether eligibility follows residence, citizenship or documents — so for any other country you need to ask support directly.

Does HexaCard card require KYC?

Yes, identification is required. The Card Agreement says HexaCard asks for name, street address, date of birth and other identifying information, and may request a driver’s licence or other ID documents. Verification levels, processing time and the reasons an application might be refused are all not stated, so budget for an unknown wait before your card arrives.

How do I top up HexaCard card?

You can send USDT, ETH, BTC, LTC, SOL or other crypto, or add fiat through Apple Pay, Google Pay, Visa, Mastercard, bank cards, direct transfer or wire transfer depending on region. Two things to check first: the minimum is stated as $10 on the home page and $20 in the FAQ, and the supported networks are not named, so send a small test amount before sending a real one.

How much does a HexaCard card cost?

The virtual card is $14.99 and the physical card $29.99, each with a required $10 initial top-up, so $24.99 or $39.99 to start. No monthly fee is published. Top-up fees are “various and low” with no amounts, conversion and FX fees are not stated, ATM fees and allowances are not stated, and users report paying $15 or $25 for a replacement card — unofficial and unconfirmed.

Can I add HexaCard card to Apple Wallet?

The card’s material does not say either way. Apple Pay and Google Pay appear only as ways to fund the card, and whether the card itself can be provisioned into a mobile wallet is not stated, nor are blocked merchant categories. If a phone-only card is the reason you are reading this, ask support before you rely on it, since many crypto cards cannot be added to a wallet at all.

Is HexaCard card safe?

Safety here is not about the absence of a regulator warning — none was found. It is about what is unknown: the issuer is unnamed, no licences are claimed on the pages read, custodial or self-custody status is not stated, and no safeguarding or insurance is described. Trustpilot shows a TrustScore of 2.0 from 17 reviews with 82% one-star, reporting closed cards, zeroed balances and weeks of silence from support.

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