Wirex Card
A custodial Visa card that pays cashback in USD. No yearly fee.
- Terms checked 4 Jul 2026
- Visa
- Debit
- Custodial
- Apple Pay and Google Pay
- Cashback in stablecoins
- Free plan
- Airport lounges
- Travel insurance
- Subscription deals
- Earn on your balance
- Borrow against crypto
- Metal card
All amounts in US dollars
Not offered to people in the US. Pick another country above to see what it pays there.
Not available in the US
Pick a plan
- Pays the most
Wirex One (Base)
Free, 0.5% on everything
−$26.00 a month, -1.3%
What you keep as spend grows
Hover the line to see other amounts.
Show as a table
| Monthly spend | What you keep | Plan |
|---|---|---|
| $250 | -1.3% | Wirex One (Base) |
| $500 | -1.3% | Wirex One (Base) |
| $750 | -1.3% | Wirex One (Base) |
| $1,000 | -1.3% | Wirex One (Base) |
| $1,500 | -1.3% | Wirex One (Base) |
| $2,000 | -1.3% | Wirex One (Base) |
| $2,500 | -1.3% | Wirex One (Base) |
| $3,000 | -1.3% | Wirex One (Base) |
| $4,000 | -1.3% | Wirex One (Base) |
| $5,000 | -1.3% | Wirex One (Base) |
| $6,000 | -1.3% | Wirex One (Base) |
| $7,500 | -1.3% | Wirex One (Base) |
| $10,000 | -1.3% | Wirex One (Base) |
Every fee
- Yearly fee
- None
- FX fee
- 0% headline, but a ~1.5–2.5% crypto→fiat conversion spread applies at spend (true 0% only when spending a pre-loaded fiat balance in the same currency)
- Conversion fee
- No POS fee; cost is embedded in the conversion spread
- Topping up
- Crypto top-up free; fiat/card top-up region-dependent
- ATM withdrawals
- Free to ~€200/mo, then 2% (legacy limits ~$700/day, $2,700/mo)
- Card issue
- Free (region-dependent delivery/replacement fees)
- Monthly fee
- $0 (Wirex One); legacy X-tras plans €9.99–€29.99/mo
Our own test
We're testing crypto cards with a week of everyday spending each from October and comparing what each card takes with the market rate. What this card actually charges will show here and in our Q4 report.
Where these numbers come from
Wirex Card's published terms, checked 4 July 2026. Where sources disagree, we go with the less generous reading.
- Wirex help center: Cryptoback FAQHelp center
- Wirex blog: Wirex One membership modelOfficial site
Our research notes
AUSTRALIA VERIFIED 2026-09-27: Wirex's own Wirex One 'Card supported countries' article (modified 2026-09-11) lists Australia, and the Classic app's crypto features for Australia ended on 30 June 2026, so Australians sign up through the Wirex One app. The Wirex One program modeled here (0.5% base, valued in USD, redemption gated by WPAY holdings) is the same one Australians get; no Australia-specific rate or fee has been published, so no number changed. MEDIUM confidence. Researched 2026-07-02 and adversarially re-verified 2026-07-04 (a review flagged the cashback as too-good-to-be-true; confirmed). KEY CORRECTION: the up-to-8% 'Cryptoback' is on the legacy X-tras plans (Standard/Premium/Elite, paid in WXT), which are being WOUND DOWN and CLOSED TO NEW SIGN-UPS. From 30 June 2026 crypto features incl. Cryptoback are removed from the Classic app for EEA + Australia and new account creation is blocked (help art 1348, status.wirexapp.com); users are pushed to Wirex One. Legacy Elite also had WXT-denominated caps (~250,000 WXT/mo ≈ $475, ~9,000 WXT/tx ≈ $17) and WXT trades at ~$0.0019 (illiquid, downtrend), so '4% in WXT' was never worth 4% cash. The only product a new user can get is Wirex One: 0.5% base cashback valued in USD, but redemption is gated by 'Redemption Power = 7% of WPAY dollar-holdings per month', a base user holding no WPAY can accrue but effectively can't redeem; higher tiers need holding WPAY (~$0.49, thin liquidity, ~10x FDV overhang) at undisclosed portfolio %. On top, the '0% FX' hides a ~0.5–2% crypto→fiat conversion spread. MODELING: re-mapped to Wirex One base (0.5%, USD) and netted a ~0.5% conversion spread (fx.conversionRate) → realistic effective ~0%; the prior ~4% was picking up a discontinued product denominated in a near-worthless token. Kept on the site for its genuine premium Visa perks, not for cashback. VERIFY before publishing: exact Wirex One tier thresholds, current regional reach of the transition, and the referral referee bonus ($10/$30/$60 by deposit). Sources: Wirex Cryptoback FAQ (help 1348), status.wirexapp.com, Wirex One membership blog, litepaper.wirexapp.com, CryptoSlate, CoinMarketCap WXT/WPAY.
What's good and what to watch
Good
- Long track record (since 2015) and a rare dual Visa+Mastercard principal membership, no sponsor-bank fragility
- New no-subscription Wirex One pays cashback in USD value, removing the volatile-token payout of the old model
- Genuine premium Visa perks (lounges, hotel collection, concierge, flight comp) at no monthly fee
- Two-sided referral: new users get a bonus ($10/$30/$60 by first deposit)
- Apple Pay + Google Pay, multi-currency base accounts, and separate savings yield
Watch
- Realistic new-user cashback is ~0.5% at best; the advertised up-to-8% is on legacy plans now CLOSED to new sign-ups and paid in the sub-cent, illiquid WXT token
- Wirex One redemption is gated: you can only redeem ~7% of your WPAY dollar-holdings per month, so with no WPAY you accrue cashback but effectively can't cash it out
- "0% FX" hides a ~0.5–2% crypto→fiat conversion spread baked into spend (true 0% only on same-currency fiat balances)
- Custodial: you don't hold your keys; no card for US or Canada
- Program is mid-transition (June 2026) with unpublished tier thresholds, hard to pin down
Borrow against your crypto (credit)Wirex Credit
Borrow stablecoins (USDC/USDT) against your BTC or ETH at up to ~70-80% LTV to spend without selling, with no setup fee; the borrowing rate varies by currency and isn't publicly published. Miss the repayment and your collateral is liquidated. Not available in the US.
It's a loan: rates vary, and your collateral can be liquidated if prices fall.
At a glance
- Network
- Visa
- Custody
- custodial
- Card type
- debit
- Form
- Physical & virtual
- Mobile wallets
- ✓ Apple Pay✓ Google Pay
- Tokens
- BTCETHUSDCUSDTWXTWPAY
- Availability
- United Kingdom, EU/EEA, APAC (AU/NZ/HK/TW/SG/TH), 130+ countries
- KYC
- Required (government ID + selfie)
- Funding
- Crypto transferIn-app buyFiat top-up (region-dependent)
- Spending limit
- Vary by tier & verification
- ATM limit
- ~€200/mo free, then 2%; legacy ~$700/day · $2,700/mo
Perks and benefits
- Lounge accessAirport lounge access (1,200+ lounges, Visa tier)
- Travel insuranceFlight delay compensation up to €600 (Visa tier)
- Purchase protectionPurchase protection (Visa tier)
- Concierge24/7 Visa concierge
- Offers & creditsVisa Luxury Hotel Collection + car-rental discounts
- Idle-balance yieldUp to ~6% APY on stablecoins via X-Accounts (separate savings, not a card reward)
Affiliate link: we may earn a commission if you sign up.
General information only. These figures are calculated from the spend you enter and the card terms we've collected. We haven't considered your objectives, financial situation or needs, and this isn't a recommendation. Consider whether a card suits you and read the provider's terms before applying. Figures are estimates, terms change, and crypto is volatile.
Affiliate link: we may earn a commission if you sign up.