# Cypher Card review: KYC policy, privacy and safety grades

> Cypher Card was a card and is no longer operating. Official site states cards closed on 8 August 2026 and the platform shut down on 6 September 2026.

Source: NoKYC Score, "Cypher Card review", reviewed 22 Oct 2026, https://nokycscore.com/service/cypher-card

## Key facts
- **Category:** Crypto Cards
- **KYC level:** 4 of 4: ID mandatory
- **Sign-up:** Email required
- **Custody:** custodial
- **Incidents on record:** 1
- **Last reviewed:** 22 Oct 2026
- **Official website:** https://cypherhq.io

## What it is
Cypher offered a crypto-funded payment card and wallet app. Its official site now states that Cypher is sunsetting: card loading was disabled, cards could be used until 8 August 2026 at 00:00 UTC, and the platform shuts down on 6 September 2026, with funds withdrawable without fees until that date. Wind-down support pages explain that merchant refunds arriving after card closure are credited to the balance and must be withdrawn before the shutdown date. The card required identity verification, so it is listed here mainly as a recent example of card-programme closure for readers comparing alternatives.

## What the terms say about ID
The card programme required identity verification while it operated.

## Features and warnings
- **Identity:** ID never required: no; No account needed: no; No email needed: no; No phone number: not stated
- **Payment:** Accepts Monero: not stated; Accepts Lightning: not stated; Accepts cash: not stated
- **Access:** Tor onion address: not stated; Works without JavaScript: not stated
- **Trust:** Never holds your funds: no; Independent audit: not stated; Company named: not stated; 5+ years operating: not stated
- **Warnings:** May ask for ID: yes; Screens deposits: not in terms; Passes orders to partners: not in terms; Holds your funds: yes; Email required: yes; Phone number required: not in terms; Nobody accountable: not in terms

## Incidents on record
- 8 Aug 2026: Official wind-down: cards closed 8 August 2026, platform shut down 6 September 2026 (outcome: service closed). Source: https://cypherhq.io

## Questions
### Is Cypher Card still operating?
No. Official site states cards closed on 8 August 2026 and the platform shut down on 6 September 2026. See the alternatives listed on this page.

## Sources
- https://cypherhq.io
- https://cypherhq.io/wind-down-support/what-about-merchant-refunds

How grades are calculated: https://nokycscore.com/methodology