Custodial Visa debit card with tiered subscriptions and real-time conversion for 40+ cryptocurrencies.
The Wirex card is a Visa debit crypto card that links to multi-currency accounts in the Wirex app, enabling real-time crypto and fiat conversion at the point of sale. The card operates on a tiered subscription model with benefits based on plan and WXT token staking requirements.
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Users wanting high cashback (up to 8%) and multi-currency accounts (40+ crypto).
You want to avoid monthly fees or large WXT token staking requirements.
The Wirex card is a Visa debit solution that enables spending of both crypto and fiat currencies with real-time conversion. It operates on a tiered subscription model (Standard, Premium, Elite) with benefits tied to the plan and WXT token staking. The card supports over 40 cryptocurrencies and 12 fiat currencies, and is available in over 130 countries, including the US (with some state restrictions).
Wirex features a tiered subscription model. The Standard plan is free (€0/month). The Premium plan costs €9.99/month, and the Elite plan is €29.99/month, with discounts for annual payments. There are no annual fees or explicit foreign exchange surcharges, but conversions use Wirex's rates with embedded spreads. ATM withdrawals are free up to €200/month (or regional equivalent), with a 2% fee thereafter.
The card is integrated with the Wirex app for managing accounts and tracking transactions. It supports over 40 cryptocurrencies and 12 fiat currencies, with real-time conversion at the point of sale. Since May 2024, a partnership with OpenPayd provides named virtual IBANs (GBP/EUR) and access to SEPA Instant and Faster Payments in the UK/EEA. Other features include interest-bearing X-Accounts, Wirex Credit for borrowing stablecoins against BTC/ETH, and the availability of virtual cards for online shopping.
Wirex's primary reward is the Cryptoback™ program, offering up to 8% back on purchases in their native WXT token. The rate depends on the user's subscription tier (Standard, Premium, Elite) and the amount of WXT staked. Additional benefits include interest-bearing X-Accounts offering up to 16% on crypto and fiat, and a Savings Bonus of up to 16% annually on the WXT balance for Elite users.
| Tier | Rate | Up to |
|---|---|---|
| Standard (Entry) | 0.50% | — |
| Standard (Enhanced) | 1% | — |
| Premium (Entry) | 1% | — |
| Premium (Enhanced) | 2% | — |
| Premium (Ultimate) | 3% | — |
| Elite (Entry) | 4% | — |
| Elite (Enhanced) | 6% | — |
| Elite (Ultimate) | 8% | — |
Available in 23 countries including US (48 states), UK, EEA, Australia, Hong Kong, Singapore and other APAC markets. 130+ countries total claimed. US: Not available in Hawaii and New York.
Risk note. Funds may be inaccessible if Wirex ceases operations or freezes the user's account.
Wirex Credit - Borrow stablecoins against BTC/ETH collateral with 0% interest advertised on certain loan-to-value ratios
Since May 2024, Wirex has partnered with OpenPayd to provide named virtual IBANs in GBP and EUR for customers in 30+ UK and EEA countries. Supports SEPA Instant transfers for EUR accounts and Faster Payments for GBP accounts. Free multicurrency individual IBANs and free SEPA transfers.
Mixed reviews - positive feedback on seamless crypto/fiat integration and rewards, common complaints about verification issues and complex tier structure
Cryptocurrency enthusiasts who want to utilize digital assets in everyday transactions, international travelers needing multicurrency spending options, rewards maximizers seeking significant crypto rewards, and crypto investors maintaining substantial holdings who want to earn interest while maintaining spending access.
The Wirex card represents a significant advancement in cryptocurrency payment solutions, effectively bridging digital assets with everyday spending. Its standout Cryptoback™ rewards program offering up to 8% back positions it among the most generous in the market, while fee-free structures for annual membership and competitive foreign exchange rates make it appealing for international users. The card's tiered subscription model provides flexibility, allowing users to select a plan aligned with their spending habits and reward expectations. However, the most attractive benefits require either monthly subscription fees or substantial WXT token staking, creating a significant barrier for casual crypto users.
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