Wirex Card Review 2026

Reviewed by Mihail B. in October 2026 · Data verified October 14, 2026 · how we verify

4.1 / 5.0Sweepbase rating

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CustodyHybrid custody

NetworkVisa + Mastercard

Cashback0.5-8% (USD, tiered)

Regions73 countries

Fees and limits

Issuance fee	Not published: free delivery on Private and Bespoke per the tier matrix The fine print The help centre refers other tiers to "Card limits and fees" for delivery fees, and that page lists none
Annual fee	None. Wirex One charges no subscription; tiers gate on WPAY holdings instead
FX fee	0% foreign transaction fee on every tier… The fine print … (fee table: "Foreign transaction fee: Free"; tier matrix: "Foreign Exchange Fee \| Free" on all five tiers) The terms add that on non-card-currency transactions "applicable exchange rates (including those set by the relevant card scheme or service providers) and any associated mark-ups or fees will apply", and no markup percentage is disclosed
ATM limit	Limits only: 750 EUR/day and 5,000 EUR/month on physical and metal cards, virtual N/A (limits may vary by region) The fine print Wirex's Wirex One page advertises "fee-free ATM withdrawals worldwide", but the help-centre fee table lists no ATM line and no free allowance The widely quoted "free to 200 EUR/month then 2%" still has no primary source
Spending limit	30,000 EUR per purchase and 30,000 EUR a month on virtual and plastic cards The fine print Metal 30,000 EUR per purchase and 75,000 EUR a month, raisable on request Limits may vary by region

Fees change; the current ones are in Wirex’s terms.

Features

Cashback: 0.5-8% (USD, tiered)
The fine print
- Up to 8% in USD rather than a token: "earns cashback in USD, not in crypto, not in tokens"
- Wirex One tiers 0.5/1/3/5/8%
- Wirex's own page says "No monthly caps on what you earn", but redemption is capped at $25/$100/$300/$1,000/$2,000 a month by tier, with the excess carried forward
- Smart Perks rebate 50% of eligible subscriptions from Premium ($5 to $87.50 a month)
Network: Visa + Mastercard
The fine print
- Visa or Mastercard
- Premium and Elite get a plastic card on either scheme, and Private and Bespoke a metal Visa card
- The card-based service is provided by Wirex Limited in the EEA, the UK and the rest of the world, and by Novatti Group in Australia and New Zealand
Custody: Hybrid custody
The fine print
- Hybrid: the Wirex One terms say the card authorises "using digital assets held in your Self-Custodial Wallet", while fiat accounts and IBANs run through "a payment account … made available through regulated third-party service providers"
- The legacy Wirex App remains fully custodial
KYC: Yes
Card type: Virtual + Physical. Base tier gets a virtual card only; a plastic card from Premium
Top up with: 40+ crypto and fiat currencies ("instant exchange between 40+ crypto & fiat currencies"), including USDT, USDC, DAI…
Full list
… BTC, ETH, LTC, XRP, XLM, ADA, XTZ, EOS and DOGE, plus SEPA, Faster Payments, ACH, card and stablecoin deposits
Available countries: Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Gibraltar…
Full list
… Greece, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, United Kingdom, Australia, Hong Kong, Japan, Macao, Malaysia, New Zealand, Philippines, South Korea, Taiwan, Thailand, Azerbaijan, Bahrain, Georgia, Kazakhstan, Oman, United Arab Emirates, Uzbekistan, Ghana, Kenya, Nigeria, South Africa, Uganda, Argentina, Brazil, Chile, Colombia, Ecuador, El Salvador, Mexico, Panama, Peru (not available in the United States, Canada, Singapore, Russia or mainland China)

Who issues the Wirex Card

The Wirex Card has a different issuer depending on where you sign up. Each one is listed below with its own source.

The Wirex Card is issued by Wirex Limited, UK (FCA FRN 902025) (Mastercard Principal Member direct (since July 2020); Visa Principal Member per the Wirex litepaper). The issuer is named in the source linked below. The Wirex One terms say the card-based service is provided by Wirex Limited, the FCA e-money institution (registration 902025), in the EEA, the UK and the rest of the world, with UAB Wirex (Lithuania) handling card distribution and programme management in the EEA; Novatti Group Limited provides it in Australia and New Zealand. The terms name no card scheme. The Visa references in the old UK terms are the legacy Contis card, a partnership that ended 16 March 2021. The metal card on the Private and Bespoke tiers is a Visa Signature.

Primary source · All cards issued by Wirex Limited · Why the issuer matters

Wirex Card does not name its issuer outright, and on the documents we could reach, the sponsor appears to be Sutton Bank, USA (Ohio), inferred from the program manager and not stated by the issuer itself. Historical: this covers the US card relaunched in February 2025 via Bridge.xyz. The Wirex One country list of September 2026 no longer includes the United States, and Wirex does not explain why.

All cards issued by Sutton Bank · Why the issuer matters

The Wirex Card is issued by Transact Payments Malta Limited, Malta (MFSA C 91879). The issuer is named in the source linked below. Historical: until 30 September 2026 the EEA Mastercard was issued by Transact Payments Malta Limited, with Wirex UAB (Lithuania 305118023) as program manager. The current Wirex One terms name Wirex Limited for the EEA and mention Transact only for complaints about transactions made before 30 September 2026.

Primary source · All cards issued by Transact Payments Malta Limited · Why the issuer matters

Supported cryptocurrencies

You can load the Wirex Card with crypto; the 10 assets we track for it are listed below.

Networks & deposit details: BTC, ETH, LTC, XRP, XLM, ADA, DOGE + 60+ assets via exchange wallet

USDTTetherUSDCUSD CoinDAIDAIBTCBitcoinETHEthereumLTCLitecoinXRPXRPXLMStellarADACardanoDOGEDogecoin

Pros and cons

Pros

✓
Cashback lands in USD instead of a volatile token
The fine print
- No subscription fee and no lock-up on Wirex One
- 0% foreign transaction fee
- The Wirex One wallet is non-custodial
- 40+ crypto and fiat currencies
- USD, EUR and GBP accounts
- In market since 2014
Banking rails: IBAN / SEPA support

Cons

✗
The 8% headline is the Bespoke tier, which needs a $50,000 portfolio with at least 10% of it in WPAY
The fine print
- Monthly redemption caps top out at $2,000, so a heavy spender redeems well below the headline rate
- The Base tier gets only a virtual card, and a physical card needs a $500 portfolio with 1% in WPAY
- The terms leave the address of their Fees and Limits Schedule as a placeholder, and the help centre fee table has a single line for the foreign transaction fee
- The homepage says there are no monthly caps on what you earn, while redemption is capped by tier

Regional availability

Available in 73 countries

73 countries per Wirex's supported-countries list: all 30 EEA states, the UK, Switzerland, Andorra, Monaco, Gibraltar, Guernsey, Jersey, the Isle of Man, Moldova, Montenegro, Serbia and Ukraine; Australia, New Zealand, Hong Kong, Macao, Taiwan, Japan, South Korea, Malaysia, Thailand and the Philippines; the United Arab Emirates, Bahrain, Oman, Azerbaijan, Georgia, Kazakhstan and Uzbekistan; Ghana, Kenya, Nigeria, South Africa and Uganda; Argentina, Brazil, Chile, Colombia, Ecuador, El Salvador, Mexico, Panama and Peru. The card is not available in the United States, Canada, Singapore, Russia or mainland China.

Card overview

Wirex has served users since 2014, and the card a new customer gets today is Wirex One, whose wallet is self-custodial with keys generated for you through Privy, and the card spends the digital assets held in it; only the fiat accounts and IBANs run through regulated third-party providers. The card is sold in 73 countries on Wirex's list, including Japan, South Korea, Mexico, the Gulf states and five African markets, but not in the United States, Canada or Singapore. Cashback now pays in USD, and their help centre says so without hedging: "earns cashback in USD, not in crypto, not in tokens".

The WXT era is over. Five tiers run 0.5%, 1%, 3%, 5% and 8%, with no subscription and no lock-up, but every tier above the first needs two things at once: a portfolio floor and a slice of that portfolio held in WPAY. The 8% Bespoke tier wants $50,000 with 10% of it in the token. Nobody advertises the cap: redemption is limited to $2,000 a month at the top tier, $300 at Elite, $25 at Base.

Spend $34,500 a month at 8% and you accrue $2,760 while being allowed to withdraw $2,000, so what you realise is 5.8%. Overflow carries forward rather than expiring. Fees are the strange part: the entire Wirex One fee table is one line reading "Foreign transaction fee: Free", and the terms give the address of their Fees and Limits Schedule as a placeholder. The terms name Wirex Limited as provider of the card service in the EEA, the UK and the rest of the world, and Novatti Group in Australia and New Zealand.

Premium and Elite get a plastic card on Visa or Mastercard, and Private and Bespoke a metal Visa. The up to 9.75% Wirex advertises on savings sits in a separate Earn account, not in the balance the card spends.

Best fit: someone who wants a high headline rate paid in dollars and will hold WPAY to unlock it
Wrong card if: you spend enough for the monthly cap to bite, or you want to see a fee schedule before you sign up

Editor’s note by Mihail B. · Founder & Editor

Reviewed October 2026 Verified against issuer docs

Wirex One is what a new customer gets: a self-custodial wallet whose card pays cashback in USD, "not in crypto, not in tokens". The 8% rate is the Bespoke tier, which needs a $50,000 portfolio with at least 10% of it held in WPAY, recalculated daily. There is no subscription and no lock-up. Redemption is capped at $2,000 a month at the top tier; the excess is not forfeited and can be redeemed in later months.
Spend $34,500 a month at 8% and you accrue $2,760 while being allowed to take out $2,000, so the rate you realise that month is 5.8%. The homepage line "No monthly caps on what you earn" is true of accrual only. The fee schedule is thin: the help centre fee table has one line, "Foreign transaction fee: Free", and the terms say fees are published in a Fees and Limits Schedule "available at XXX", a placeholder.
The terms now name Wirex Limited, incorporated in England and Wales, as provider of the card service in the EEA and the rest of the world, with UAB Wirex in Lithuania handling card distribution and programme management, and Novatti Group in Australia and New Zealand. For EEA residents, complaints about card transactions before 30 September 2026 are handled under the Transact Payments Malta terms. Wirex's supported-countries page, modified 11 September, lists 73 countries for the card; the US, Canada and Singapore are not among them, although the homepage says "Available in 130+ countries".
The up to 9.75% on savings is a separate product, not the balance the card spends.

Common questions about the Wirex Card

We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.

What are the fees for the Wirex Card?

The Wirex Card charges no annual fee and no FX fee (on every tier). The issuance fee is not published.

Is the Wirex Card legit, and who is behind it?

The Wirex Card has more than one issuer of record, by region. Wirex Limited, UK (FCA FRN 902025), named in the terms published at wirex.one. Sutton Bank, USA (Ohio), inferred from the program manager rather than stated by the issuer. Historical: this covers the US card relaunched in February 2025 via Bridge.xyz. Transact Payments Malta Limited, Malta (MFSA C 91879), named in the terms published at help.wirexapp.com. Historical: until 30 September 2026 the EEA Mastercard was issued by Transact Payments Malta Limited, with Wirex UAB (Lithuania 305118023) as program manager.

Is the Wirex Card worth it?

Best fit for the Wirex Card: someone who wants a high headline rate paid in dollars and will hold WPAY to unlock it. Wrong card if you spend enough for the monthly cap to bite, or you want to see a fee schedule before you sign up. The advertised cashback is 0.5-8%.

How does the Wirex Card cashback work?

Up to 8% in USD rather than a token: "earns cashback in USD, not in crypto, not in tokens". Wirex One tiers 0.5/1/3/5/8%. Wirex's own page says "No monthly caps on what you earn", but redemption is capped at $25/$100/$300/$1,000/$2,000 a month by tier, with the excess carried forward. Smart Perks rebate 50% of eligible subscriptions from Premium ($5 to $87.50 a month).

Where is the Wirex Card available?

What cryptocurrencies does the Wirex Card support?

You can fund the Wirex Card with: 40+ crypto and fiat currencies ("instant exchange between 40+ crypto & fiat currencies"), including USDT, USDC, DAI, BTC, ETH, LTC, XRP, XLM, ADA, XTZ, EOS and DOGE, plus SEPA, Faster Payments, ACH, card and stablecoin deposits.