Figo vs Hyperbeat Card
Both Figo and Hyperbeat Card clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
Figo issues on Visa (US BIN) and Hyperbeat Card on Visa Signature; both ask for ID + proof; only Figo funds by bank transfer.
Hyperbeat Card is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee, 0% foreign transaction fees. Figo is the better fit for power users who need bank-transfer funding and ad spend.
Side by side
| Field | Figo | Hyperbeat Card |
|---|---|---|
| Card network | Visa (US BIN) | Visa Signature |
| Card type | Crypto Card | Crypto Card |
| KYC | ID + proof | ID + proof |
| Card issuance fee | $2 (limited-time free) | Virtual card free |
| Monthly fee | Free | Free |
| Top-up fee | — | — |
| FX fee | 2% + $0.6 intl | 0% |
| Crypto funding | Yes (USDC/USDT/PYUSD) | Yes (WHYPE cashback up to 1.1%) |
| AI tool support | — | ChatGPT / Claude / Midjourney |
| Risk level | Medium | Medium |
| Our rating | 8.2 | 8.6 |
| User reviews | 851 | 638 |
| Best for | Ad spend · Streaming | All-rounder · AI subscriptions |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
What sets them apart
- Hyperbeat Card costs less to keep open, so it is the one to reach for if you are watching your budget.
- Hyperbeat Card shows up in more of our test scenarios, so it is the safer pick when you juggle several subscriptions.
- In our scoring, Hyperbeat Card finished ahead of Figo — not by a mile, but enough to tilt a tiebreak.
The short version of the matchup
Both cards clear the same checkouts in our tests, so the call comes down to cost. Hyperbeat Card is cheaper on issuance (free) and top-ups (no top-up fee), while Figo is worth the premium only for bank-transfer funding and ad-platform billing.
Questions people ask
That depends on what you spend on. Figo scores 8.2/10 against Hyperbeat Card's 8.6/10 in our tests, but the two split on fees, KYC and crypto funding. Read the table above, then match it to the checkouts you actually run.
Hyperbeat Card works out cheaper: no virtual card issuance fee, free account maintenance, 0% foreign transaction fee. Figo adds about $2 per virtual card, a 2% FX fee.
Figo asks for ID + proof at signup; Hyperbeat Card asks for ID + proof. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 1 of the same test scenarios, including Twitch. They overlap on a good share of checkouts, so the choice between them matters most on those pages. Where one is accepted and the other is not usually comes down to the billing country and 3-D Secure handling.
Where both show up
Figo and Hyperbeat Card both landed in our top picks for 1 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
📺 Streaming & Entertainment 1
Their BIN ranges
Cards issued in 🇦🇺 Australia · 🇱🇹 Lithuania — the country guides group every range we track from there.
What our charge log shows
Every count here is a real charge attempt we placed on that range, renewals included, with the gateway response recorded. Weeks tracked is how long the range has been in the programme: