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Wirex Card

by Wirex (Principal Member of Visa & Mastercard) · Updated 2026-07-04

Get my Wirex Card
Marketed: 0.5%Your effective cashback: 0.0% ($0/mo) at $5,000/mo on the Wirex One (Base) plan
Cashback earned on your spend
$5,000 spent × 0.5%
0.5% on all spend (no cap)
$25/mo
Gross cashback per month
sum of the bands above, before fees
$25/mo
Annual cashback
$25/mo × 12 months
$300/yr
Fees subtracted (first-year view)
Estimated FX / conversion fee
~0.5% on your spend — foreign-currency markup and/or crypto-to-fiat conversion (region: US). An estimate; confirm current terms.
−$300/yr
Net cashback after fees
annual cashback minus all fees
$0/yr
Effective cashback rate
net ÷ your annual spend (0.0%)
0.0%

Based on your monthly spend — edit it on the home page.

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

Pros

  • 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

Cons

  • 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  • Program is mid-transition (June 2026) with unpublished tier thresholds — hard to pin down

Cashback plans

Fees

FX markup
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)
ATM
Free to ~€200/mo, then 2% (legacy limits ~$700/day, $2,700/mo)
Spending (crypto→USD)
No POS fee; cost is embedded in the conversion spread
Funding / top-up
Crypto top-up free; fiat/card top-up region-dependent
Issuance
Free (region-dependent delivery/replacement fees)
Monthly
$0 (Wirex One); legacy X-tras plans €9.99–€29.99/mo

Perks & benefits

Get my Wirex Card

We may earn a commission if you sign up through our links — it never affects our rankings or the cashback math.

Sources & how we verify this

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.

Card terms are researched and illustrative — always confirm the latest with the issuer. Nothing here is financial advice.

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