Weekly Crypto Card Intel — fee changes, new cards, cashback drops. Free.By subscribing you agree to receive emails and to our Privacy Policy.
Comparing Wirex Card and Binance Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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:
These two are close: Wirex at 4.1/5 vs Binance at 4/5. Wirex has a small lead, but which card works better depends on what you need.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Mastercard in the EEA; Visa in Singapore | Mastercard Prepaid |
| Custody | Hybrid: the Wirex One wallet is non-custodial, while the fiat card balance sits with the issuer. The legacy Wirex App remains fully custodial | Custodial |
| Costs | ||
| Issuance fee | Not published: the issuer discloses no issuance or delivery fee | Free |
| Annual fee | None. Wirex One charges no subscription; tiers gate on WPAY holdings instead | Free |
| FX fee | 0% foreign transaction fee (the issuer's own fee table lists exactly one line, "Foreign…0% foreign transaction fee (the issuer's own fee table lists exactly one line, "Foreign transaction fee: Free"). The conversion rate is set "by Wirex from time to time", with the interbank rate promised only for major currencies during FX market hours and carve-outs for weekends, holidays, illiquid pairs and volatile markets; no markup percentage is disclosed | 0.9% crypto-to-fiat conversion + 1-2% FX on foreign currency |
| Rewards | ||
| Cashback | 0.5-8% (USD, tiered) | Up to 3% (Brazil) |
| Yield on spendable balance | UnclearThe issuer claims yield without saying which balance earns | NoThe issuer pays yield, but in a separate product |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | No |
| Bank account in your name | IBAN yes (personal EUR IBAN); SEPA yes; Faster Payments (GBP) | No |
| Daily spend limit | Based on account tier and verification | Varies by tier based on BNB holdings, up to €8700/day for highest tier |
| ATM withdrawal limit | Limits only: 750 EUR/day and 5,000 EUR/month on physical and metal cards, virtual N/A…Limits only: 750 EUR/day and 5,000 EUR/month on physical and metal cards, virtual N/A (Wirex One, may vary by region). The ATM fee and any free allowance are not published by the issuer; the widely quoted "free to 200 EUR/month then 2%" has no primary source | €290/day; 0.9% fee |
| Top-up methods | 68+ fiat and cryptocurrencies including USDT, USDC, DAI, BTC, ETH, LTC, XRP, XLM, ADA, XTZ, EOS, DOGE | BTC, BNB, USDT and 10+ major cryptos |
| Regions | 35 countries per Wirex's own supported-countries table: the UK, 27 of the 30 EEA states…35 countries per Wirex's own supported-countries table: the UK, 27 of the 30 EEA states, Switzerland, Australia, New Zealand, Hong Kong, Taiwan, Argentina and Brazil. The US is card-excluded - a US resident can hold a Wirex account but the Card column reads N/A - as are Canada, Japan, South Korea, China, Russia, the Philippines and Singapore | Binance names Brazil, Argentina, Peru and Armenia in its own words on…Binance names Brazil, Argentina, Peru and Armenia in its own words on binance.com/en/cards, whose region selector carries eight options: Brasil, LATAM, CIS, MEA, Australia, New Zealand, APAC and Argentina. The MEA, APAC, AU and NZ tabs name no country at all, and the CIS tab says only some CIS countries and Armenia, so no consolidated list of supported countries exists anywhere. A separate Binance Card Global Program runs through Immersve Limited, a New Zealand entity licensed as a card issuer by Mastercard. Excludes EEA, UK and United States - read from absence, since no European or American tab exists and binance.com/en-GB/cards 404s, not from any Binance statement |
| Behind the card | ||
| Card issuer | Wirex Limited — UK (FCA FRN 902025)Named in the card terms | Pomelo S.A. — Argentina (BaaS, multi-LatAm)Inferred, not stated by the issuer |
| Our read | ||
| Strengths |
|
|
| Trade-offs |
|
|
| Get Wirex Card | Get Binance Card | |
Wirex Card is the better card here. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Binance may be better if you need broader regional coverage.
In short: Wirex Card (4.1/5) is the stronger option for most people compared to Binance Card (4/5).
