Yearly cost at three spending levels
| Monthly spend | Crypto.com Card | Wirex |
|---|---|---|
| $500 | ≤ -$24 Basic (Midnight) | ≤ +$30 Base |
| $2,000 | ≤ -$96 Basic (Midnight) | ≤ +$120 Base |
| $5,000 | ≤ -$240 Basic (Midnight) | ≤ +$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 | Crypto.com Card Basic (Midnight) | Wirex Base |
|---|---|---|
| Top-up and conversion fees | Not disclosed | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$96 | $0 |
| ATM fees | $0 | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | $0 | +$120 |
| Net per year | -$96 | +$120 |
Fees
Crypto.com Card charges Not disclosed to convert or top up and 2% on spending in a foreign currency. Wirex charges 0% and 0%.
ATM withdrawals: Crypto.com Card 2% after €200 free a month; Wirex no card fee.
A virtual card costs nothing with Crypto.com Card and nothing with Wirex. A physical card costs €4.99 and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
Crypto.com Card cashback: 0% to 5%. Wirex cashback: 0.5% to 8%.
Crypto.com Card tiers: Basic (Midnight): 0%; Plus (Ruby): 2%, capped at $25 a month; Pro (Jade/Indigo): 3%, capped at $75 a month; Private (Icy/Rose): 4%; Private (Obsidian): 5%.
Wirex tiers: Base: 0.5%; Premium: 1%; Elite: 3%; Private: 5%; Bespoke: 8%.
Crypto.com Card: Rewards are paid in CRO under Crypto.com's Level Up plans. Plus and Pro can be paid by subscription (€3.99 or €24.99 a month) or a 12-month CRO stake (€450 or €4,500); Private needs €45,000 or €450,000 of CRO staked for 12 months. Plus rewards are capped at $25 a month and Pro at $75.
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
Crypto.com Card is offered in 30 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal and Spain. This entry covers the card for users with a residential address in Europe (EEA). Crypto.com publishes separate fee schedules for the US, UK, Australia, Singapore, Brazil and GCC markets.
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.
Crypto.com Card 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
Crypto.com Card publishes a daily spending limit of €25,000, a monthly limit of €25,000 and ATM withdrawals of up to €2,000 a day.
Wirex publishes a daily spending limit of €30,000, a monthly limit of €30,000 and ATM withdrawals of up to €750 a day.
Crypto.com Card works with Apple Pay and Google Pay, and Wirex does not list either. Crypto.com Card issues a virtual card you can use straight away.
Custody and safety
Crypto.com Card scores 59/100. Licensing: holds a licence or registration outside the tier-one list (MiCA crypto-asset service provider authorisation, Malta Financial Services Authority). No incidents or enforcement actions found in the last 36 months. The e-money institution that issues the European card is not named on Crypto.com's public fee 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: Crypto.com Card safety check and Wirex safety check.
About each card
Crypto.com Visa Card (Europe) is a custodial Visa card from Crypto.com (Foris DAX MT Limited in the EU). It tops up with USDT, USDC, BTC and ETH and its balance is held in EUR. Card rewards on the Plus, Pro and Private Level Up plans are advertised as up to 4.5%, but Crypto.com does not publish the rate for each plan in Europe, so only the Basic plan is modelled.
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
Crypto.com Card fits if
- Its fees and availability match your situation better on the table above.
Wirex fits if
- You want to keep crypto in your own wallet until each payment.
- You spend in foreign currencies often, since its FX markup is lower.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- 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: Crypto.com Card fees and details · Wirex fees and details · Crypto.com Card review