Which is cheaper, Bleap or Wirex?

At $2,000 a month with 20% foreign spending and one $200 ATM withdrawal, Wirex leaves $120 more per year. The result can change with your spending, so the comparison above lets you enter your own amount.

Can I use Bleap and Wirex in the same country?

One of the two issuers does not publish a country list, so we cannot confirm overlap. Country list not published for Bleap; 73 countries for Wirex.

Is Bleap or Wirex safer?

Wirex scores higher on our safety check (85/100 against 60/100). The score looks at licensing, custody, fund segregation, proof of reserves and incident history.

Which card has better cashback, Bleap or Wirex?

Bleap pays variable, not published and Wirex pays 0.5% to 8%. Caps, tier rules and fees decide what you keep, which is why the yearly figures above include both.

Bleap vs Wirex: Crypto Card Comparison of Fees, Cashback and Safety

Crypto card comparison
Feature	Bleap	Wirex
Countries offered	List not published	73 countries
Card network	Mastercard	Mastercard
Custody	Self-custody	Self-custody
KYC	Full	Full
Top-up assets	USDC	USDC, USDT, EURC, BTC, ETH
Top-up or conversion fee	0%	0%
FX markup	0%	0%
ATM fee	Not disclosed	No card fee
Annual fee (base tier)	Free	Free
Card issuance	Virtual Free · Physical Free	Virtual Free · Physical Not disclosed
Cashback	Variable, not published	0.5% to 8%
Apple Pay / Google Pay	Apple Pay, Google Pay	Not listed
Safety score	60/100	85/100 (better)
Overall rating	33/100	68/100 (better)
Get the card	Get Bleap	Get Wirex

Yearly cost at three spending levels

Monthly spend	Bleap	Wirex
$500	≤ $0 Standard	≤ +$30 Base
$2,000	≤ $0 Standard	≤ +$120 Base
$5,000	≤ $0 Standard	≤ +$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	Bleap Standard	Wirex Base
Top-up and conversion fees	$0	$0
Spending fees	$0	$0
Foreign exchange markup	$0	$0
ATM fees	Not disclosed	Not disclosed
Annual, monthly and subscription fees	$0	$0
Cashback	Not disclosed	+$120
Net per year	$0	+$120

Fees

Bleap charges 0% to convert or top up and 0% on spending in a foreign currency. Wirex charges 0% and 0%.

ATM withdrawals: Bleap not disclosed; Wirex no card fee.

A virtual card costs nothing with Bleap and nothing with Wirex. A physical card costs nothing and an undisclosed fee. Neither card has an annual fee on its base tier.

Cashback and rewards

Bleap cashback: Variable, not published. Wirex cashback: 0.5% to 8%.

Bleap tiers: Standard: rate not published.

Wirex tiers: Base: 0.5%; Premium: 1%; Elite: 3%; Private: 5%; Bespoke: 8%.

Bleap: Up to 20% cashback in USDC on eligible categories, including gaming, AI subscriptions, streaming, food delivery, restaurants and everyday spending. Bleap does not publish the rate for each category.

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

Bleap does not publish a country list. Bleap says the card is available to residents of the European Economic Area and Latin America, without publishing a country list.

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.

Bleap 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

Bleap 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.

Bleap works with Apple Pay and Google Pay, and Wirex does not list either. Bleap issues a virtual card you can use straight away.

Custody and safety

Bleap scores 60/100. 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. Bleap says its account is built on a non-custodial MPC wallet, so it never holds user assets. It does not name its card issuer on the card page.

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: Bleap safety check and Wirex safety check.

About each card

Bleap Card is a self-custody Mastercard from Bleap. It tops up with USDC and its balance is held in EUR.

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

Bleap fits if

Its fees and availability match your situation better on the table above.

Wirex fits if

You want a higher cashback ceiling (up to 8%).
You weigh licensing and fund segregation heavily, since it scores higher on our safety check.

Bleap vs Wirex