Hyperbeat Card vs MyFin
Both Hyperbeat Card and MyFin clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
Hyperbeat Card issues on Visa Signature and MyFin on Visa · Mastercard; verification is ID + proof at Hyperbeat Card versus ID only at MyFin; only Hyperbeat Card takes crypto top-ups.
Hyperbeat Card is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. MyFin is the better fit for power users who need bank-transfer funding.
The short version of the matchup
| Field | Hyperbeat Card | MyFin |
|---|---|---|
| Card network | Visa Signature | Visa, Mastercard |
| Card type | Crypto Card | Digital Bank / Neobank |
| KYC | ID + proof | ID only |
| Card issuance fee | Virtual card free | Free |
| Monthly fee | Free | Free (Standard); Advanced ~€5.14; Premium ~€10.23/€10 per mo |
| Top-up fee | — | — |
| FX fee | 0% | 0% |
| Crypto funding | Yes (WHYPE cashback up to 1.1%) | — |
| AI tool support | ChatGPT / Claude / Midjourney | — |
| Risk level | Medium | Low-Medium |
| Our rating | 8.6 | 8.8 |
| User reviews | 638 | 376 |
| Best for | All-rounder · AI subscriptions | App Store / Play · Free issuance |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Two cards, one decision
- If you wear several hats, Hyperbeat Card is the more flexible of the pair.
- MyFin has the lighter onboarding; Hyperbeat Card will want more documents from you.
- Hyperbeat Card can sit on a crypto balance; MyFin cannot, so the call depends on how you fund it.
- MyFin carries the lower risk flag in our file, which some users prefer for a primary card.
Where they split
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 MyFin is worth the premium only for bank-transfer funding.
Questions people ask
That depends on what you spend on. Hyperbeat Card scores 8.6/10 against MyFin's 8.8/10 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 is the cheaper card to run. Both Hyperbeat Card and MyFin issue virtual cards for free.
Hyperbeat Card asks for ID + proof at signup; MyFin asks for ID only. 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 Xbox Live. 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
Hyperbeat Card and MyFin both landed in our top picks for 1 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🎮 Gaming 1
Their BIN ranges
Cards issued in 🇱🇹 Lithuania · 🇪🇺 Europe (EEA) — 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: