Yearly cost at three spending levels
| Monthly spend | ether.fi Cash | Wirex |
|---|---|---|
| $500 | ≤ +$162 Core | ≤ +$30 Base |
| $2,000 | ≤ +$648 Core | ≤ +$120 Base |
| $5,000 | ≤ +$540 Core | ≤ +$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 | ether.fi Cash Core | Wirex Base |
|---|---|---|
| Top-up and conversion fees | Not disclosed | $0 |
| Spending fees | Not disclosed | $0 |
| Foreign exchange markup | -$72 | $0 |
| ATM fees | Not disclosed | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | +$720 | +$120 |
| Net per year | +$648 | +$120 |
Fees
ether.fi Cash charges Not disclosed to convert or top up and 1.5% on spending in a foreign currency. Wirex charges 0% and 0%.
ATM withdrawals: ether.fi Cash not disclosed; Wirex no card fee.
A virtual card costs nothing with ether.fi Cash 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
ether.fi Cash cashback: 3% to 4%. Wirex cashback: 0.5% to 8%.
ether.fi Cash tiers: Core: 3% on the first $2,000 a month; Luxe: 3% on the first $10,000 a month; Pinnacle: 3% on the first $50,000 a month; VIP: 4% on the first $50,000 a month.
Wirex tiers: Base: 0.5%; Premium: 1%; Elite: 3%; Private: 5%; Bespoke: 8%.
ether.fi Cash: Membership levels also add category cashback (10% to 30% on AI, streaming and food, capped monthly), travel discounts and account balance protection against smart contract exploits of $10,000 to $500,000, which is not deposit insurance.
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
ether.fi Cash is offered in 91 countries, including Argentina, Australia, Brazil, Canada, France, Germany, Indonesia, Italy, Malaysia and Mexico. ether.fi lists these jurisdictions. In the US the card is available in 31 states and Washington D.C. only. Belgium and Ireland are eligible, but physical cards are not delivered there. In some countries (including Argentina, Indonesia, Mexico, Nigeria and the Philippines) the first virtual card costs $10.
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.
ether.fi Cash 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
ether.fi Cash publishes ATM withdrawals of up to $5,000 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.
ether.fi Cash works with Apple Pay and Google Pay, and Wirex does not list either. Neither card issue a virtual card you can use straight away.
Custody and safety
ether.fi Cash 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. ether.fi describes Cash as a non-custodial account. The ATM fee on Core is not published as a fixed figure.
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: ether.fi Cash safety check and Wirex safety check.
About each card
ether.fi Cash Card is a self-custody Visa card from ether.fi. It tops up with USDC and ETH.
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
ether.fi Cash 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.
- 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: ether.fi Cash fees and details · Wirex fees and details