Hi.com Card Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
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Card Overview
Quietly withdrawn. Hi.com published no shutdown notice on its own site or help centre — we did not sweep its social accounts, so read that as "nothing on the site", not "nothing anywhere" — and the card's product page returns 404 as of July 18, 2026, the Spend Rewards program had already been paused "until further notice," and the waitlist never converted into shipped cards — so we flag it discontinued as of July 2026. The pitch, while it stood, was a Mastercard Debit inside a "Crypto Bank Super-App," with cashback tiered by HI token holdings from 1% at 100 HI staked up to a theoretical 10% at 10,000,000 HI; the rewards tiers were only ever theoretical, since the program stayed paused for most of the card's public life. On paper it was custodial, free to issue, 0.2% FX, with a personal EUR/GBP IBAN (SEPA and UK FPS), EU and UK only. Don't stake HI for a card that no longer has a page. If Hi.com relaunches it, we'll re-review from scratch.
This is a Mastercard crypto card. Available in Europe. Available in the UK.
Fees & Limits
| Issuance Fee | Free |
|---|---|
| Annual Fee | Free |
| FX Fee | 0.2% |
| ATM Limit | Not disclosed |
| Spending Limit | USD 25,000/transaction |
These figures can change. Confirm the current fees, FX and network in Hi.com’s official terms before you apply.
Features
- Card Type: Virtual + Physical
- Top up with: Bank transfer (min USD 100)
- Available Countries: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, United Kingdom
Banking & Fiat Rails
IBAN yes (personal EUR/GBP IBAN in EEA/UK); SEPA + UK FPS; no SWIFT disclosed
Who issues the Hi.com Card
Our issuer directory has no verified entry for the Hi.com Card yet, so the bank behind it is not confirmed here even where the card's own terms name one. Around a quarter of the cards we track are in the same position. See our BIN-sponsor research for why disclosure varies and what it means for you.
Supported Cryptocurrencies
You can load the Hi.com Card with several cryptocurrencies. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: HI, BTC, ETH, USDT, USDC and other supported coins via hi wallet (multi-chain incl. Polygon)
Supported assets: Bank transfer (min USD 100)
Who Is the Hi.com Card Best For?
The Hi.com Card is a good fit for holders who want their balance to keep earning while it sits on the card.
It lets you spend crypto at millions of merchants without converting everything to fiat first.
The card is currently available in EU, UK, so it works for residents and travellers in those areas.
Best for
- People who want a straightforward, app-managed crypto card
- European users within EEA countries
- Budget-minded users (no issuance or annual fee)
Avoid if
- You want a card that earns cashback
- You need full non-custodial control of your funds
- You're a US resident (this card doesn't support US users)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Hi.com Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Pros & Cons
Pros
- Up to 10% cashback (Diamond tier); 0.2% FX fee; free card; personal IBANs; SEPA + FPS support
- No card issuance fee
- No annual maintenance fee
- Works wherever Mastercard is accepted worldwide
- Virtual card ready right away, no shipping wait
Cons
- High cashback tiers require significant hi token holdings; Spend Rewards program paused; limited to EU/UK
- Custodial: the issuer holds your funds
- Only available in certain regions
- Full KYC required, no anonymous tier
How to Get the Hi.com Card
Here is what the sign-up process looks like, from application to first purchase.
Create your Hi.com account
A few minutesGo to the Hi.com website or download the app.
Complete identity verification
Varies by issuerHi.com runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad your card with Bank transfer (min USD 100) through the funding screen.
Start spending immediately
InstantYour virtual Hi.com Card shows up in the Hi.com app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available in EU, UK
The Hi.com Card is currently available in EU, UK. Some countries may be excluded, so confirm on the issuer's website before applying.
Common questions about the Hi.com Card
What are the fees for the Hi.com Card?
Is the Hi.com Card legit, and who is behind it?
Is the Hi.com Card worth it?
Where is the Hi.com Card available?
What are the Hi.com Card's ATM and spending limits?
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