Debit Cards

• You put up a deposit to secure your credit line.
• The amount you deposit becomes your credit limit—the amount you can charge on the card.
• Deposits start at $200 and can go as high as $50,000, or even more.
• If you wish to increase your spending amount once your credit limit has been established, you can either add more to the security deposit or you can exceed your limit on the card. An overpayment has a small fee associated with it, but if you need additional spending for a short period of time, this is a good option.

The Cypher Wallet is an account to keep your funds secure and protected from fraud. Use it as a prefunding account for your International Secured Visa Card and receive all the benefits from your card. The Cypher Wallet can also be used to transfer to and from friends and family around the world.

Even though International Hybrid Cards are available to a wide range of people, approval is not guaranteed for everyone.

• Your identity and personal information must be verified by the issuer to ensure your eligibility to receive a card. This information is not shared with credit agencies.
• Depending on the level of credit you are looking for, there will be a variety of documents that you will need to supply, such as government-issued identity document(s), proof of address and sometimes proof of income.

The process of applying for, receiving, and using a Cypher credit card works like this:

• Sign up with a Cypher account.
• Apply for the wallet and card. If you qualify, you are approved.
• Fund the security deposit.
• Receive the card.
• Start using it like any other card.

People just like you – people who like to travel and want peace of mind knowing that if anything should happen, they are protected from unexpected losses. Others may need the flexibility of a secured card with the ability to increase spending amounts easily and on-demand.

We do not report to any credit agencies. In today’s world, dominated by social media and online search engines, it is increasingly difficult for people to preserve their privacy. The fact is that all of today’s premium card programs disclose the cardholder’s identity to whomever gets hold of the card and during processing, it creates severe privacy and security repercussions for cardholders. With the Cypher International Secured Card, we aim to provide our clients not only with full financial freedom, but also with the freedom to live their lives in privacy.

• Confidential – if you wish you can choose to have your name appear on the card, or not.
• Secured – with a chip and a PIN code.
• SMS and email notification – configure your preferences for maximum protection.

Your transactions are safe with us! Fraud insurance comes automatically on all cards and includes the following:

• Fraudulent transactions worldwide
• Robbery at an ATM
• Accidental death

• The Cypher Card offers you a wide variety of exclusive coverage that you would have difficulty finding elsewhere.
• Our excess and extended coverage is backed by Lloyd’s of London, the premier world-renowned insurance underwriter.
• Most importantly, your annual membership can save you money. A lot of it.

Learn more about our card benefits.