Wirex One Card: Fees, Limits and Cashback

Wirex fees and limits

"Not disclosed" means Wirex does not publish the figure. Fees are read from the issuer's own pages, linked under Sources.

Wirex cashback and rewards

Cashback is paid in USD, with no monthly cap and no subscription. Your tier depends on two things together, portfolio value and the share of it held in the $WPAY token. It is recalculated daily, and a downgrade waits 24 hours. Users moved from X-tras plans keep legacy rates (Base 1%, Premium 3%, Elite 8%) for about 3 months.

What Wirex costs over a year

Net value per year after cashback, conversion, FX, ATM and fixed fees, with US dollars as the home currency, 20% of spending abroad and one $200 ATM withdrawal a month.

Run it with your own numbers in the card cost calculator.

Wirex Apple Pay, Google Pay and ATM withdrawals

Wirex does not list Apple Pay or Google Pay. ATM withdrawals: no card fee, up to €750 a day. It runs on Mastercard, so it works wherever that network is accepted, online and in shops.

Where Wirex is available

Wirex is offered in the 73 countries below. In 2026 Wirex moved its consumer app to Wirex One, a self-custodial wallet (keys held through Privy) with fiat accounts and the card as regulated add-ons. The old Wirex app becomes read-only once an account moves over. The card issuer depends on region (see issuer), but fees and rewards are the same everywhere. You can receive crypto without verification; the card needs KYC.

The crypto card finder lists every card we track by country.

Topping up Wirex

Wirex tops up with USDC, USDT, EURC, BTC and ETH. There is no conversion fee on its main stablecoins. The card is self-custody, so funds stay in your wallet until you pay.

How to get the Wirex card

1. Check that you live in a country where Wirex is offered (see the list above).
2. Download the Wirex app and complete identity verification with a government ID and a selfie check.
3. Top up with USDC, USDT, EURC, BTC and ETH, which converts with no conversion fee.
4. Issue the virtual card for free.
5. Order the physical card if you need ATM withdrawals or chip and PIN payments.

What Wirex asks for when you sign up

• ✓ Email: required
• ✓ Government ID: required
• ✓ Selfie or liveness check: required

KYC is needed only for the card, Earn and Loans. You can receive and send crypto without it.

Source: Wirex verification requirements.

Wirex app ratings

• App Store: 4.3 out of 5 from 9 ratings
• Google Play: 3.0 out of 5 from 222 ratings

Checked September 28, 2026.

Who the Wirex card suits

• Travellers and people who pay in several currencies, thanks to its 0% FX markup.
• Stablecoin holders, because USDC and USDT convert with no fee.
• Wallet users who want funds to stay in their own wallet until they pay.

Wirex overall rating

Wirex rates 68/100 in our crypto card ranking.

Is Wirex safe?

Wirex scores 85/100 (Strong) in our safety check. Issuer: UAB Wirex (Lithuania), part of the Wirex Group. Licensing: In the EEA the card is issued by Transact Payments Malta Limited, an electronic money institution authorised by the Malta Financial Services Authority; UK cards by Wirex Limited, an FCA-authorised e-money institution (FRN 902025); Australia and New Zealand by Novatti Group; rest of the world by Wirex Limited, with DA Labs S.A.S. de C.V. (El Salvador) providing the other regulated services. BIN sponsor: Transact Payments Malta Limited.

Card spending draws on assets in the user's self-custodial wallet. Fiat IBAN balances are a regulated service run through third-party providers. We found no official enforcement action or hack for 2024 to 2026. The H1 2026 Transparency Report covers financial-crime metrics, not reserves.

Full Wirex safety report