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Comparing Wirex Card and MetaMask Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
MetaMask rates 4.5/5, slightly ahead of Wirex at 4.1/5. Both are solid options, but MetaMask is the better pick for most people.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual; Metal Physical |
| Network | Mastercard in the EEA; Visa in Singapore | Mastercard Debit |
| 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 | Self-custody |
| 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% foreign transaction fees (Mastercard standard rates only) |
| Rewards | ||
| Cashback | 0.5-8% (USD, tiered) | Up to 3% |
| 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) |
| 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 | Based on wallet balance and spending caps |
| 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 | Not disclosed |
| Top-up methods | 68+ fiat and cryptocurrencies including USDT, USDC, DAI, BTC, ETH, LTC, XRP, XLM, ADA, XTZ, EOS, DOGE | USDC, USDT, wETH on Linea network |
| 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 | 45 countries per metamask.io/card, 47 on the help centre which adds Bahrain and Oman: 23…45 countries per metamask.io/card, 47 on the help centre which adds Bahrain and Oman: 23 of the 27 EU states plus Iceland, Liechtenstein, Norway, Switzerland, Andorra, Monaco, Gibraltar, Guernsey, Jersey, Isle of Man, Canada and nine Latin American markets. Not available in the USA or in the United Kingdom - new sign-ups are closed in both and MetaMask publishes no date for either pause; existing holders unaffected |
| Behind the card | ||
| Card issuer | Wirex Limited — UK (FCA FRN 902025)Named in the card terms | Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania)Inferred, not stated by the issuer |
| Our read | ||
| Strengths |
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| Trade-offs |
| Nothing flagged by these checks |
| Get Wirex Card | Get MetaMask Card | |
MetaMask Card is the better card here. With self-custody, your crypto stays in your wallet until you actually spend it, unlike Wirex where the issuer holds your funds. MetaMask also lets you earn yield on your deposits, something Wirex doesn't offer. Zero fixed costs give MetaMask 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: MetaMask Card (4.5/5) is the stronger option for most people compared to Wirex Card (4.1/5).
