Yearly cost at three spending levels
| Monthly spend | Bitget Wallet | Wirex |
|---|---|---|
| $500 | ≤ +$99.60 Base | ≤ +$30 Base |
| $2,000 | ≤ +$398.40 Base | ≤ +$120 Base |
| $5,000 | ≤ +$996 Base | ≤ +$300 Base |
Net value per year: cashback minus conversion, FX, ATM and fixed fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | Bitget Wallet Base | Wirex Base |
|---|---|---|
| Top-up and conversion fees | $0 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$81.60 | $0 |
| ATM fees | Not disclosed | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | +$480 | +$120 |
| Net per year | +$398.40 | +$120 |
Fees
Bitget Wallet charges 0% to convert or top up and 1.7% on spending in a foreign currency. Wirex charges 0% and 0%.
ATM withdrawals: Bitget Wallet no atm access (virtual card only); Wirex no card fee.
A virtual card costs $0.10 with Bitget Wallet and nothing with Wirex. A physical card costs an undisclosed fee and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
Bitget Wallet cashback: 2% to 3%. Wirex cashback: 0.5% to 8%.
Bitget Wallet tiers: Base: 2%; Booster: 3%.
Wirex tiers: Base: 0.5%; Premium: 1%; Elite: 3%; Private: 5%; Bespoke: 8%.
Bitget Wallet: Cashback (called assetback) is paid into your choice of Bitcoin, gold, USDC or tokenized US stocks. Small gas fees apply to on-chain transactions.
Wirex: 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.
Availability and KYC
Bitget Wallet is offered in 41 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal, Spain, United Kingdom, Argentina and Brazil. This entry covers the virtual card issued through Immersve in the EEA, the UK and Latin America. Bitget Wallet also offers cards in Asia (DCS Card Centre, with a physical card), mainland China (Fiat24) and South Africa on different terms.
Wirex is offered in 73 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal, Spain, United Kingdom, Australia and Malaysia. 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.
Bitget Wallet needs full KYC and Wirex needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
Bitget Wallet does not publish fixed spending or ATM limits.
Wirex publishes a daily spending limit of €30,000, a monthly limit of €30,000 and ATM withdrawals of up to €750 a day.
Bitget Wallet works with Apple Pay and Google Pay, and Wirex does not list either. Bitget Wallet issues a virtual card you can use straight away.
Custody and safety
Bitget Wallet scores 65/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. Bitget Wallet names its regional card issuers (Immersve for Europe and Latin America) but does not publish their licences on its card pages.
Wirex scores 85/100. Licensing: issued by a bank or e-money institution regulated in a tier-one jurisdiction. The card is issued through Transact Payments Malta Limited. No incidents or enforcement actions found in the last 36 months. 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 reports: Bitget Wallet safety check and Wirex safety check.
About each card
Bitget Wallet Card (Europe and Latin America) is a self-custody Mastercard from Bitget Wallet (issued through Immersve). It tops up with USDC and USDT.
Wirex One Card is a self-custody Mastercard from UAB Wirex (Lithuania), part of the Wirex Group. It tops up with USDC, USDT, EURC, BTC and ETH and its balance is held in EUR.
Which card fits you
Bitget Wallet fits if
- Its fees and availability match your situation better on the table above.
Wirex fits if
- You spend in foreign currencies often, since its FX markup is lower.
- You want a higher cashback ceiling (up to 8%).
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Read more: Bitget Wallet fees and details · Wirex fees and details