Visa
Wirex
6.5/10Overall Score
Card Mode
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Card Type
Debit
Mobile Payments
Google PaySupportedApple PaySupported
About the Project
Fees & Rules
01Spending & Conversion
- FX Fee
- 0.35%
02Rewards
- Cashback
- 0.5%
Team & Investors
Team 1
Pavel MatveevCEO
Investors 1
Recent News
Wirex Launches Navoka, an AI Agent That Pays From Its Own Bank Account and CardSecondFi and Wirex Partner to Launch Self-Custodial Card, Putting Global Users in Full Control of Their MoneyWirex and Crossmint Announce Card Integration to Connect Stablecoin Wallets and Real-World SpendingWirex launches Wirex Agents to enable AI-driven stablecoin cards and autonomous micropaymentsBitcoin Meets Commerce: Wirex and Chimera Wallet Bring Bitcoin spending to 80M+ MerchantsData: In the past 24 hours, top investors have focused on projects such as KAST, The Metagame, and Euphoria
Card Guide
Overview
Founded in 2014, Wirex is one of the earliest crypto card issuers, with about 7 million users. The principal entity is Wirex Limited, a UK FCA-authorised e-money institution; European crypto-asset services are provided by Crossmint Europe, S.L., supervised by Spain's CNMV and central bank, and the Asia-Pacific issuer is Wirex Pte Ltd. The card runs on Visa or Mastercard depending on region and is a custodial debit product: fiat balances sit in segregated accounts without deposit insurance, and Wirex itself is not a bank.
Three subscription tiers — Standard, Premium and Elite — plus an invitation-only top tier, with both virtual and physical cards and a metal Visa Signature on the higher plans. The platform supports a multi-currency wallet with 150+ crypto assets and 160+ fiat currencies, along with X-Accounts interest and Savings Bonus.
Plan comparison
Cryptoback is paid in the platform token WXT:
| Item | Standard | Premium | Elite |
|---|---|---|---|
| Benefits | 0.5%; 1% after locking 150,000 WXT for 180 days | 1%–3% | 4%–8%, where the 8% rate requires locking 7,500,000 WXT (about EUR 11,000 equivalent) |
| Monthly fee | 0 | EUR 9.99 a month (EUR 102 annually) | EUR 29.99 a month (EUR 306 annually). |
Benefits
| Item | Details |
|---|---|
| Cryptoback is paid in the platform token WXT: | |
| Standard: | 0.5%; 1% after locking 150,000 WXT for 180 days |
| Premium: | 1%–3% |
| Elite: | 4%–8%, where the 8% rate requires locking 7,500,000 WXT (about EUR 11,000 equivalent) |
| X-Accounts interest: | up to about 9% on Standard (about 11% after locking), up to about 16% on Premium and up to about 20% on Elite. |
| Savings Bonus: | 1% a year on Standard, 6% on Premium and 16% on Elite. |
| Stablecoin yield: | up to about 6% APY on stablecoin balances, spendable at any time. |
| Travel and lifestyle: | metal cards carry higher spending and withdrawal limits plus travel privileges. |
| Referral rewards: | an invitation reward, with roughly USD 10 for new users. |
| Business: | Wirex Business provides company accounts, employee cards and payroll cards, with up to about 6% on stablecoin balances. |
Fees
| Item | Details |
|---|---|
| Issuance fee: | virtual and physical cards are both free; shipping from EUR 5, express around EUR 15. |
| Monthly fee: | Standard 0; Premium EUR 9.99 a month (EUR 102 annually); Elite EUR 29.99 a month (EUR 306 annually). |
| Annual fee: | not charged separately; it is covered by the monthly fee. |
| Transaction fee: | 0. |
| FX fee: | marketed as zero FX worldwide; in practice Standard carries about a 1% rate spread, Premium about 0.5% and Elite close to 0. |
| ATM: | free up to EUR 400 a month on Standard, then 2%; EUR 600 a month on Premium and EUR 1,000 on Elite. |
| Top-up / funding: | crypto deposits free (on-chain gas paid by the user); fiat deposits depend on the channel. |
| Other fees: | about 2% for crypto conversion; a GBP 30 handling fee for accounts closed for policy breaches. |
| Tier summary: | Standard suits users who simply want low-cost spending; Premium's cashback covers its fee above roughly EUR 500 of monthly spend; Elite only pays off above roughly EUR 750 a month, and the 8% rate carries a very high threshold. |
Availability
| Item | Details |
|---|---|
| Supported regions (73): | Europe — Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Montenegro, the Netherlands, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland and the UK; Asia-Pacific — Australia, Hong Kong (China), Japan, Macao (China), Malaysia, New Zealand, the Philippines, South Korea, Taiwan (China) and Thailand; Latin America — Argentina, Brazil, Chile, Colombia, Ecuador, El Salvador, Mexico, Panama and Peru; elsewhere — Azerbaijan, Bahrain, Georgia, Ghana, Kazakhstan, Kenya, Moldova, Nigeria, Oman, South Africa, Uganda, Ukraine, the UAE and Uzbekistan. |
| Unsupported regions: | markets absent from the official support list, including the United States, Canada, mainland China and Russia. |
| Spending limits: | EUR 30,000 per day and per month in the EEA; GBP 30,000 a day in the UK, AUD 20,000 in Australia and SGD 20,000 in Asia-Pacific. |
| ATM limits: | EUR 500 a day in the EEA, GBP 750 a day in the UK and 1,400 a day in local currency in Australia and Asia-Pacific. |
| Sign-up requirements: | mandatory KYC (document, liveness selfie and proof of address); aged 18 or over; one physical card at a time. |