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Wirex Card vs MetaMask Card: 2026 Comparison

Comparing Wirex Card and MetaMask 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:

MetaMask rates 4.5/5, ahead of Wirex at 4.1/5. The gap is 0.4 of a point: a few line items in the formula, not a different class of card. What moves the score for MetaMask: self-custody, no issuance or annual fee, 1% cashback (3% Metal, paused).

Wirex:
MetaMask:

Side by side

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

Wirex Card 4.1 out of 5, Sweepbase rating

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MetaMask Card 4.5 out of 5, Sweepbase rating

Get card MetaMask Card
Overview
Card typeVirtual + Physical. Base tier gets a virtual card only; a plastic card from PremiumVirtual; Metal Physical. New US and UK sign-ups paused, no date given
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 Debit
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
 Strength: Self-custody
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
Cross-border fee 1% on the Free tier, defined by merchant location…
The fine print
  • … ("Using card with merchant located outside of cardholder country"), 0% on Metal
  • Conversion at Mastercard's rate with no separate FX markup
  • A second charge applies on both tiers: spending a stablecoin "denominated in currency not of cardholder country or merchant country" costs 0.5% (only Argentina is exempted, where the card is USD-denominated), so a Canadian or Mexican holder paying in USDC/mUSD at home pays 0.5%, not 1%
  • wETH spending costs 0.875%
  • Metal orders paused since 2 June 2026 and Metal was US-only (excluding Vermont), so the 0% tier cannot be ordered today
  • New sign-ups paused in the US and UK, no date given (the notice was live by 12 June 2026)
Rewards
Cashback Strength: 0.5-8% (USD, tiered) Strength: 1% (3% Metal, paused)
Yield on spendable balanceNoThe issuer pays yield, but in a separate product Strength: Yes
Access
Apple / Google Pay Strength: Yes (Apple Pay; Google Pay) Strength: Yes (Apple Pay; Google Pay)
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
$10,000 per transaction and $15,000 a day on the Free tier; $20,000 and $30,000 on Metal
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
Not available to new cardholders: virtual cards outside the US cannot withdraw cash…
The fine print
  • … ("Virtual card users in other regions cannot withdraw cash from an ATM"), and US sign-ups and Metal orders are both paused
  • Existing US virtual and Metal holders: $1,000 per transaction
  • $1,000 a day on the Free tier and $5,000 a day on Metal
  • Fee 2% on the Free tier
  • Metal free up to $1,200 a month, then 2%
  • The ATM operator may add its own fee
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
mUSD, USDC, USDT, wETH, EURe and GBPe on Linea; USDC and USDT on Solana and Base; USDC on Monad
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
47 countries on the help centre: 23 of the 27 EU states plus Iceland, Liechtenstein, Norway, Switzerland, Andorra…
The fine print
  • … Monaco, Gibraltar, Guernsey, Jersey, Isle of Man, Canada, Bahrain, Oman and eleven Latin American markets
  • Not available in the USA or in the United Kingdom for new sign-ups
  • MetaMask gives no date for either pause, and the notice was already on its help-centre FAQ in a Wayback Machine capture of 12 June 2026
  • Existing holders unaffected
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 inferredMonavate Limited + UAB Monavate, UK (FCA 901097) + Lithuania (Bank of Lithuania); Cross River Bank, USA (New Jersey state-chartered)Named in the card terms; Cross River Bank is inferred
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
  • You hold the keys
  • No issuance or annual fee
  • Cashback: 1% (3% Metal, paused)
  • Spendable balance earns
  • Apple Pay and Google Pay
  • Virtual and physical
Trade-offs
  • Issuer holds your funds
Nothing flagged by these checks

Which scores higher

Nothing in the formula favours Wirex over MetaMask. What the formula cannot see is where you live and what you spend on: if Wirex is sold in your country and MetaMask is not, that settles it, and the Regions row above is where to check.

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Wirex vs MetaMask: FAQ

MetaMask Card scores higher on the Sweepbase formula, at 4.5/5. What moves the score: self-custody, no issuance or annual fee, 1% cashback (3% Metal, paused). 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… MetaMask Card: issuance Free, annual Free, FX Cross-border fee 1% on the Free tier, defined by merchant… You can compare total annual cost using our fee calculator.

Wirex Card: 0.5-8% cashback (USD, tiered). MetaMask Card: 1% cashback (3% Metal, paused). Rates can depend on tier, staking or caps, so check each card's page for the conditions.

Wirex Card: Hybrid custody. MetaMask Card: Self-custody. MetaMask Card keeps your crypto in your own wallet until you spend it, so the issuer never controls your funds.

Wirex Card supports Apple Pay and Google Pay. MetaMask Card supports Apple Pay and Google Pay.

Wirex Card: 73 countries. MetaMask Card: 47 countries. Check each card's detail page for the full country list.

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