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Comparing Wirex Card and Bybit Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
These two are close: Bybit at 4.2/5 vs Wirex at 4.1/5. Bybit 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; Visa |
| 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 | 0.5% EEA/CH/MX; 1% AU; 2% APAC (non-AU); 1.5% Brazil; 7% Argentina + 0.9% crypto conversion |
| Rewards | ||
| Cashback | 0.5-8% (USD, tiered) | 2% (Tiers, cap $10/mo) |
| Yield on spendable balance | UnclearThe issuer claims yield without saying which balance earns | Yes |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay; Samsung Pay in EEA/Switzerland; Google Pay only in APAC) |
| Bank account in your name | IBAN yes (personal EUR IBAN); SEPA yes; Faster Payments (GBP) | IBAN: Yes (EUR deposit IBAN via SEPA); SEPA: Yes; SWIFT: Not disclosed |
| Daily spend limit | Based on account tier and verification | €5000/day standard; €20000/day Level 3 |
| 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 | First €100/month free in EEA, then 2%; other regions: first withdrawal free, then 2% |
| Top-up methods | 68+ fiat and cryptocurrencies including USDT, USDC, DAI, BTC, ETH, LTC, XRP, XLM, ADA, XTZ, EOS, DOGE | BTC, ETH, XRP, USDT, USDC, TON, BNB, MNT (8 cryptos, region-dependent) |
| 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 | EEA via bybit.eu, where Bybit's stated eligibility is a proof of address from eligible EU…EEA via bybit.eu, where Bybit's stated eligibility is a proof of address from eligible EU countries except Croatia and Ireland, plus Liechtenstein or Norway - Bybit publishes no country count. Everything outside the EEA runs on bybit.com, which lists nine card regions: Argentina, Brazil, Mexico, Peru, Australia, AIFC, Georgia, Kazakhstan and Asia Pacific. Not available in the US, Canada or Singapore, and not part of the UK relaunch. Switzerland unresolved: the EEA application guide is titled EEA and CH and accepts Swiss ID, but the proof-of-address list does not name Switzerland |
| Behind the card | ||
| Card issuer | Wirex Limited — UK (FCA FRN 902025)Named in the card terms | Not disclosedThe programme does not name its issuer |
| Our read | ||
| Strengths |
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| Trade-offs |
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| Get Wirex Card | Get Bybit Card | |
Bybit Card is the better card here. Bybit also lets you earn yield on your deposits, something Wirex doesn't offer. Zero fixed costs give Bybit a cost advantage from day one. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Wirex may be better if you need something it does better.
In short: Bybit Card (4.2/5) is the stronger option for most people compared to Wirex Card (4.1/5).
