Description
Wirex Card is a Visa and Mastercard debit card that connects your crypto and fiat in a single payment card. Spend stablecoins (USDC, EURC) and cryptocurrencies anywhere Visa or Mastercard is accepted, with automatic real-time conversion at the point of sale.
How It Works
- Top Up — Deposit crypto, stablecoins, or fiat into your Wirex App wallet.
- Spend — Use your card in-store, online, or via Apple Pay/Google Pay at 80M+ merchants.
- Earn — Get up to 8% Cryptoback™ rewards instantly on every eligible purchase.
Card Features
- Physical & Virtual — Get an instant virtual card after account activation, order a physical card for in-store use.
- Zero FX Fees — Spend internationally with no foreign exchange fees and real-time rates.
- Fee-Free ATM Withdrawals — Withdraw up to £200/month with no fees.
- Apple Pay & Google Pay — Add to your mobile wallet for contactless tap-and-pay.
- Instant Payment Alerts — Real-time notifications for every transaction.
- Multi-Currency Wallet — Hold and manage 150+ traditional and digital assets.
Plans & Tiers
| Plan | Monthly Fee | Cryptoback™ | Key Benefits |
|---|---|---|---|
| Standard | Free | 0.5%–1% | Basic card features, free ATM withdrawals |
| Premium | €9.99/mo | 1%–3% | Higher rewards, boosted interest rates |
| Elite | €29.99/mo | 4%–8% | Maximum rewards, highest limits |
Cryptoback™ rates can be increased by locking WXT tokens through Boost Tiers (Enhanced, Ultimate).
Availability
Available in 130+ countries. Wirex is a principal member of Visa and Mastercard. Trusted by 7 million+ users with over $20 billion in processed transactions.
Highlights
Pros
- Earns up to 8% Cryptoback™ rewards in WXT tokens on every card purchase
- Supports spending from crypto, stablecoins, and fiat currencies from a single multi-currency wallet
- Instant virtual card available immediately after account verification for online and mobile wallet use
- Dual Visa and Mastercard principal membership ensures broad global acceptance at 80M+ merchants
- Zero foreign exchange fees on international spending with automatic conversion at real-time rates
Cons
- ATM withdrawals beyond the free monthly limit incur a 2% fee
- Higher Cryptoback™ rates beyond 0.5% require a monthly subscription or significant WXT token lock-up
- Customer support is limited to ticket-based requests with no live chat or phone support
- Cryptocurrency selection is limited to around 100 assets compared to larger platforms
- Crypto-to-fiat exchange fee of up to 1.5% applies when converting between currencies