Hana Card
Hana Wallet · Mastercard
Hana Card is a non-custodial multi-chain virtual Mastercard debit card from the Australian Hana Wallet app (founded 2022 in Sydney by Mark "MJ" Jones), issued via Immersve, a principal member of Mastercard. It tops up directly from the non-custodial wallet in ETH, XLM, AVAX and other tokens across networks such as Ethereum, SUI, Stellar and ICON, and pairs with Apple Pay and Google Pay. Launched initially in Australia only, it offers a USD 5 welcome bonus, a 1.5% FX markup and no cashback. The card is virtual-only and does not support ATM withdrawals; the annual fee is not publicly documented.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Mastercard |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | N/A (solo virtuale, no prelievi ATM) |
| ATM withdrawal | not declared |
| FX markup | 1.5% |
| Cashback | Not disclosed |
| Chains | Ethereum, SUI, Stellar, ICON |
| On-chain settlement | Yes |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 5/10 |
| Supported countries | APAC |
| Estimated net annual cost | €0/year |
| Regulator | Mastercard (emissione tramite Immersve, principal member Mastercard) |
| Segment | B2C |
| MiCA / License status | Emessa da Immersve (principal member Mastercard) Card issued via Immersve, a Mastercard principal member; non-custodial, full KYC required. |
Strengths
- Non-custodial: keys and funds stay in the Hana wallet.
- Multi-chain (Ethereum, SUI, Stellar, ICON) with Apple/Google Pay.
- Free issuance and a USD 5 welcome bonus.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- Available only in Australia at launch.
- Virtual card only, no ATM withdrawals.
- 1.5% FX markup and no cashback.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Card issued via Immersve, a Mastercard principal member; non-custodial, full KYC required.): reporting to authorities and freezes on order.
Verdict
Self-custody virtual Mastercard issued via Immersve: funds stay in the non-custodial Hana wallet, but KYC is full and availability is limited to Australia at launch. Good protection on the custody side, weaker on geographic coverage and channel (virtual-only).
Cypherpunk strength: the card is non-custodial and multi-chain, keys stay with the user. Held back by mandatory full KYC and issuance via a centralized Mastercard principal member.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Reputation
What happened to people who used Hana Card, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
No known incidentSearch across public sources: no known hack, withdrawal freeze or regulatory action as of the verification date.
verified on
Public reviews
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App Store ↗
4.8/5
24 reviews
Australian storefront, the service's home market. Exact figure from Apple's lookup endpoint (4.83333 average) for the app "Hana Wallet" by developer Hana Tech Pty Ltd, which lists hanawallet.io (redirecting to hana.money), confirming the operator's identity. The score covers the whole wallet app, not the Hana Card alone. A 24-review base is a very small sample and the average carries little weight.
Weighted average across 1 public review platform (24 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Is Hana Card custodial or self-custody?
Hana Card is self-custody: funds stay in your non-custodial Hana wallet and you keep control of your private keys. Top-ups come directly from the wallet and the card is issued via Immersve, a principal member of Mastercard.
How much does Hana Card cost and where is it available?
Issuance is free and a USD 5 welcome bonus is offered at launch. The FX markup is 1.5% and there is no cashback. The card is initially available only to Hana Wallet users in Australia. The annual fee is not publicly documented.
Sources
- cfotech.com.au Issuer · Founder · Founded · Registered office Data verified on Jul 11, 2026
- news.hana.money Payment network · Custodial · Blockchain · Regioni · +6 Data verified on Jun 23, 2026
- todey.xyz FX markup · Cashback · Fee emissione · Sign up bonus Data verified on Jun 22, 2026
- x.com Regioni · Issuer immersve · Multi chain Data verified on Jun 22, 2026