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Comparing Wirex Card and OKX 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: OKX at 4.2/5 vs Wirex at 4.1/5. OKX has a small lead, but which card works better depends on what you need.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual only |
| 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 | 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 | 0.1% conversion spread (official docs); no transaction or FX fees |
| Rewards | ||
| Cashback | 0.5-8% (USD, tiered) | 2-4% (VIP tiers) |
| 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) | SEPA via MiCA/PSD2 Malta PI license (EU); IBAN not explicitly confirmed per user |
| Daily spend limit | Based on account tier and verification | Based on verification and 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 | Not available (virtual card only) |
| Top-up methods | 68+ fiat and cryptocurrencies including USDT, USDC, DAI, BTC, ETH, LTC, XRP, XLM, ADA, XTZ, EOS, DOGE | USDC, USDG stablecoins from OKX Pay account |
| 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 + Brazil |
| 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)Named in the card terms |
| Our read | ||
| Strengths |
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| Trade-offs |
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| Get Wirex Card | Get OKX Card | |
OKX Card is the better card here. OKX also lets you earn yield on your deposits, something Wirex doesn't offer. Zero fixed costs give OKX 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 broader regional coverage.
In short: OKX Card (4.2/5) is the stronger option for most people compared to Wirex Card (4.1/5).
