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Wirex Card vs Binance Card: 2026 Comparison

Comparing Wirex Card and Binance Card on fees, cashback, custody, and where each card is available.

Some cards on this page link to affiliate partners, and we may earn a commission if you sign up. The comparison verdict comes from our public scoring formula either way. Read our editorial disclosure.

The short version:

Wirex rates 4.1/5, ahead of Binance at 3.4/5. The gap is 0.7 of a point: a few line items in the formula, not a different class of card. What moves the score for Wirex: 0.5-8% cashback (USD, tiered).

Wirex:
Binance:

Side by side

Side-by-side comparison of Wirex Card, Binance Card. Scroll horizontally to see all columns.
Feature

Wirex Card 4.1 out of 5, Sweepbase rating

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Binance Card 3.4 out of 5, Sweepbase rating

Get card Binance Card
Overview
Card typeVirtual + Physical. Base tier gets a virtual card only; a plastic card from PremiumVirtual + Physical
NetworkVisa or Mastercard
The fine print
  • 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
Mastercard Prepaid
CustodyHybrid: the Wirex One terms say the card authorises "using digital assets held in your Self-Custodial Wallet", while…
The fine print
  • … fiat accounts and IBANs run through "a payment account … made available through regulated third-party service providers"
  • The legacy Wirex App remains fully custodial
Custodial
Costs
Issuance feeNot 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
 Strength: Free
Annual feeNone. Wirex One charges no subscription; tiers gate on WPAY holdings instead Strength: Free
FX fee Strength: 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
1-2% FX on non-BRL purchases with the Brazil card, plus 0.9% crypto-to-fiat conversion
The fine print
  • The Argentina programme charges 6-7% FX plus Argentine taxes, and the Immersve Global Program 2% (New Zealand 3%) since the 1 June 2026 update
Rewards
Cashback Strength: 0.5-8% (USD, tiered) Strength: Up to 3% (Brazil)
Yield on spendable balanceNoThe issuer pays yield, but in a separate productNoThe issuer pays yield, but in a separate product
Access
Apple / Google Pay Strength: Yes (Apple Pay; Google Pay)Yes
Bank account in your name Strength: IBAN yes (personal EUR IBAN); SEPA yes; Faster Payments (GBP)No
Daily spend limit30,000 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
Brazil card: 25,000 BRL a day at every verification level, 50,000 to 150,000 BRL a month and 200,000 to 600,000 BRL a year by level
ATM withdrawal limitLimits 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
Brazil card: two free ATM withdrawals a month, then 1.5 USD each
The fine print
  • Up to 3 a day and 30 a month, 3,000 to 7,000 BRL a day and 25,000 to 50,000 BRL a month by verification level
Top-up methods40+ crypto and fiat currencies ("instant exchange between 40+ crypto & fiat currencies"), including USDT, USDC, DAI…
The fine print
  • … BTC, ETH, LTC, XRP, XLM, ADA, XTZ, EOS and DOGE, plus SEPA, Faster Payments, ACH, card and stablecoin deposits
BTC, BNB, USDT and 10+ major cryptos
Regions73 countries per Wirex's supported-countries list: all 30 EEA states, the UK, Switzerland, Andorra, Monaco, Gibraltar…
The fine print
  • … 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
Three programmes
The fine print
  • Brazil and Argentina are local programmes whose FAQs say "Currently we support: Brazil" and "Currently we support: Argentina" respectively
  • Everything else is the Immersve "Global Program": the binance.com/en/cards region selector offers LATAM, CIS, MEA, Australia, New Zealand and APAC, the last four naming no country
  • The fee article's column headers name Colombia, Peru, some CIS region, Armenia and New Zealand, and Australia and Mexico appear in support-article titles
  • Binance publishes no full list: "Eligibility is confirmed at the time of the card application"
  • Not offered in the US or the UK
  • The countries column carries the remaining exclusion
Behind the card
Card issuerWirex Limited, UK (FCA FRN 902025); Sutton Bank, USA (Ohio); Transact Payments Malta Limited, Malta (MFSA C 91879)Named in the card terms; Sutton Bank is inferredPomelo S.A., Argentina (BaaS, multi-LatAm)Inferred, not stated by the issuer
Our read
Strengths
  • FX fee of 0.5% or less
  • Cashback: 0.5-8% (USD, tiered)
  • Apple Pay and Google Pay
  • Bank account in your name
  • Virtual and physical
  • No issuance or annual fee
  • Cashback: Up to 3% (Brazil)
  • Virtual and physical
Trade-offs
  • Issuer holds your funds
  • Issuer holds your funds

Which scores higher

Wirex leads on the formula, but the score is a sum, and Binance wins some of its terms: Binance charges nothing to issue or hold the card, and Wirex does. If one of those is the thing you care about, read that row above before the score.

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Wirex vs Binance: FAQ

Wirex Card scores higher on the Sweepbase formula, at 4.1/5. What moves the score: 0.5-8% cashback (USD, tiered). The formula does not know where you live or how you spend, so check availability and fees for your own case.

Wirex Card: issuance Not published: free delivery on Private and Bespoke per the…, annual None, 0% foreign transaction fee on every tier… Binance Card: issuance Free, annual Free, 1-2% FX on non-BRL purchases with the Brazil card, plus… You can compare total annual cost using our fee calculator.

Wirex Card: 0.5-8% cashback (USD, tiered). Binance Card: Up to 3% cashback (Brazil). Rates can depend on tier, staking or caps, so check each card's page for the conditions.

Wirex Card: Hybrid custody. Binance Card: Custodial. Each card page quotes how its terms describe who holds the funds.

Wirex Card supports Apple Pay and Google Pay. Apple Pay is not confirmed for Binance Card.

Wirex Card: 73 countries. Binance Card: several regions. Check each card's detail page for the full country list.

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