Wirex Card Review 2026
Reviewed: · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
onTrustpilot(17467 reviews)Independently reviewed by Mihail B. · how we verify
Get Wirex CardCard Overview
Running since 2014, longer than any other crypto card in our catalogue. Fully custodial. The free Standard plan pays 0.5% Cryptoback in WXT, Wirex's own token, with 0% FX on day-to-day purchases. Paid X-tras plans climb the Cryptoback ladder up to 8% at the top, with the higher tiers requiring a paid subscription. Cashback's dollar value tracks WXT market price, with no fiat redemption inside the card flow. And a spread applies to crypto-to-fiat conversion at the point of purchase regardless of the headline 0% FX, which is the part most users don't read. The card supports 68+ assets including BTC, ETH, XRP, LTC, ADA, and major stablecoins. ATM is free up to roughly €200/month, then 2%. Multi-currency accounts cover EUR, GBP, CAD, USD, and several CEE currencies, with GBP via Faster Payments. Available across UK, EEA, Australia, New Zealand, Hong Kong, and Taiwan. The US, Canada, Japan, South Korea, Russia, China, and Philippines are excluded. Worth signing up if you're a UK user who wants native GBP and is comfortable holding WXT through whatever the token does next. Skip it if you wanted predictable cashback in fiat-equivalent terms.
Wirex Card is one of crypto's longest-running payment solutions since 2014, offering exceptional flexibility with support for 68+ fiat currencies and cryptocurrencies including BTC, ETH, XRP, and ADA through a global Mastercard network. Earn up to 8% cashback in native WXT tokens through the tiered Cryptoback rewards program, with automatic best-rate conversion using OTC pricing at checkout across 150+ countries worldwide. With multi-currency accounts in EUR, GBP, CAD, USD, and eight other fiat currencies, plus Apple Pay and Google Pay integration, Wirex delivers full crypto-fiat bridge infrastructure, perfect for international travelers and multi-asset holders seeking established platform reliability, though note that cashback is paid in proprietary WXT requiring conversion to other cryptocurrencies.
Sweepbase verdict: For its 8% cashback rewards, Wirex Card is one of the stronger picks in this space, which is why it appeals most to active spenders looking to earn crypto rewards on everyday purchases. That said, an annual fee (Free to paid tiers (varies by plan)) is worth factoring in before you apply.
This is a Mastercard crypto card. It offers cashback rewards. Available to US residents. Available in Europe. Available in the UK.
Fees & Limits
| Issuance Fee | Free |
|---|---|
| Annual Fee | Free to paid tiers (varies by plan) |
| FX Fee | 0% FX fees on all tiers (official); spreads on crypto-to-fiat conversion apply |
| ATM Limit | Free up to ~EUR 200/month then 2%; daily/monthly caps vary by plan tier |
| Spending Limit | Based on account tier and verification |
These figures can change. Confirm the current fees, FX and network in Wirex’s official terms before you apply.
Features
- Welcome Bonus: $15 bonus
- Card Type: Virtual + Physical
- Top up with: 68+ fiat and cryptocurrencies including BTC, ETH, LTC, XRP, XLM, ADA, XTZ, EOS, DOGE
- Available Countries: United Kingdom, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein, Norway, Switzerland, Andorra, Monaco, Montenegro, Australia, New Zealand, Hong Kong, Taiwan (excludes United States Canada Japan South Korea Russia China Philippines)
Banking & Fiat Rails
IBAN yes (personal EUR IBAN); SEPA yes; Faster Payments (GBP)
Supported Cryptocurrencies
You can load the Wirex Card with 7 cryptocurrency tokens. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: BTC, ETH, LTC, XRP, XLM, ADA, DOGE + 60+ assets via exchange wallet
Who Is the Wirex Card Best For?
The Wirex Card is a good fit for crypto holders who want a simple way to spend their coins without managing wallets by hand.
The Wirex Card pays Up to 8% in WXT tokens (tiered by plan; base 0.5%) cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in UK + EEA + Australia, New Zealand, Hong Kong, Taiwan, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn Up to 8% in WXT tokens (tiered by plan; base 0.5%) cashback
- People who want a straightforward, app-managed crypto card
- US residents who want a crypto spending card
Avoid if
- You need full non-custodial control of your funds
- You need traditional bank integration (IBAN, SEPA, direct debits)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Wirex Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Pros & Cons
Pros
- Up to 8% cashback in WXT; 68+ fiat/crypto support; multi-currency accounts (EUR, GBP, CAD, USD, CZK, HUF, PLN, RON, HRK); established platform since 2014
- No card issuance fee
- Works wherever Mastercard is accepted worldwide
- Covers the European Economic Area (EEA)
- Virtual card ready right away, no shipping wait
- Welcome bonus: $15 bonus
Cons
- Rewards in proprietary WXT token; requires plan upgrade for higher cashback; conversion fees apply; fully custodial
- Annual fee: Free to paid tiers (varies by plan)
- Only available in certain regions
- Requires KYC identity verification
- Full KYC required, no anonymous tier
How to Get the Wirex Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Wirex account
~5 minutesGo to the Wirex website or download the app. Sign up with your email, pick a password, and accept the terms. It's free.
Complete KYC verification
1–3 business daysUpload a government-issued photo ID (passport or national ID) and take a selfie. Wirex verifies your identity under standard AML/KYC rules.
Fund your card
Usually instantOnce verified, load your card with 68+ fiat and cryptocurrencies including BTC, ETH, LTC, XRP, XLM, ADA, XTZ, EOS, DOGE through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Wirex Card shows up in the Wirex app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available Across the EEA
The Wirex Card covers all 27 EU member states plus Iceland, Liechtenstein, and Norway. If you're in the UK, check with the issuer about post-Brexit availability.
Key supported countries:
Frequently Asked Questions
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