It Came in Both Physical and Virtual Forms

You could get Cypher Card in either a physical or virtual version. The virtual card was instantly available online after completing KYC Identity Verification. Applying for and activating a physical card replaced the virtual one.

Wondering about the perks of each card type? Here are some highlights:

Physical Card	Virtual Card
ATM Withdrawals	No ATM Withdrawals
Required for Car Rentals, Hotels	No Tangible Asset
Useful When Phone Dies, or no Wifi	Apple Pay Enabled: Virtual but In-Store Ready
Backup Payment Method	Instant Availability
Cost to Order: 50 USD	Cost to Order: 0 USD

Useful:Since Cypher Card supported Apple Pay, you could use this card in real life, whether you had the virtual or the physical version.

What Was Crypto-to-USD Conversion Cost with Cypher Card?

Cypher Card Required Pre-Load

Before you could use your Cypher Card, you needed to top up your account. This meant you had to convert your crypto in advance, exchanging it to USD and moving it to the card account to make it available for spending.

Reality Check:Compared to the average ~1.5% crypto-to-fiat cost of other cards, converting crypto with Cypher Card used to cost about the same (~1% + Gas Fees).

From all crypto cards we reviewed, Lava Card, Plasma One Card and OKX Card offer the cheapest crypto-to-fiat conversions (~0%, ~0% and ~0.1% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.

We Had Tested Cypher HQ Customer Support

We asked Cypher HQ customer support different questions, and then rated their responses to evaluate how good their support was.

Why should you Care:When users had a money-related question, like a missing deposit or being overcharged, having good support at that moment was crucial.

Cypher HQ offered support via the following channels:

Chat	https://cypherhq.io/card
Email	[email protected]
Discord	https://discord.com/invite/S9tDGZ9hgT

Location: Cypher HQ customer service reps were located in India.^¹

Support Channel	Our Interaction	Score
Email (replied in 17 h 24 min)	Straightforward, polite response to a question about 3DS security feature. View Conversation	High Competence Not Personalized Flawless English, Professional Tone 9/10
Chat (replied in 18 min)	Friendly, warm conversation tone, answered a question about disputes and related fees. View Conversation	High Competence Somewhat Personalized Adequate English, Professional Tone 9/10
Chat (replied in 3 h 19 min)	Understood all questions and provided direct answers to each, instead of copy-pasting vaguely related response like other companies do. View Conversation	High Competence Not Personalized Flawless English, Professional Tone 9/10
Chat (replied in 3 h 41 min)	They answered what was asked for. A bit strange initial greeting right away, and then nothing. Had to ping in several hours, saying 'and?', to get the reply. View Conversation	High Competence Not Personalized Adequate English, Informal Tone 8/10
Chat (replied in 14 h 37 min)	Replied in short & concise manner. Yet, replied only after our second ping with a '?' after 12 hours of non-response. View Conversation	High Competence Not Personalized Flawless English, Professional Tone 9/10

To summarize,

Competence and Problem-Solving: Cypher HQ's customer service agents were highly competent, so users could expect issues to be resolved with professional expertise and a thorough understanding.

Customer Love: Users were usually not addressed by name and answers were generic. Cypher HQ's customer support agents did not make much effort to personalize their replies.

Reply Speed: Response times were inconsistent, ranging from as quick as 18 minutes to as slow as 17 hours.

Overall Customer Service Rating: 8.8/10

This excellent score placed Cypher HQ Customer Service well above the crypto card industry average of 7.4/10.

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