Which is cheaper, KOSH or Wirex?

At $2,000 a month with 20% foreign spending and one $200 ATM withdrawal, Wirex leaves $152 more per year. The result can change with your spending, so the comparison above lets you enter your own amount.

Can I use KOSH 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 KOSH; 73 countries for Wirex.

Is KOSH or Wirex safer?

Wirex scores higher on our safety check (85/100 against 44/100). The score looks at licensing, custody, fund segregation, proof of reserves and incident history.

Which card has better cashback, KOSH or Wirex?

KOSH pays none 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.

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

Crypto card comparison
Feature	KOSH	Wirex
Countries offered	List not published	73 countries
Card network	Visa	Mastercard
Custody	Custodial	Self-custody
KYC	Full	Full
Top-up assets	USDC, USDT	USDC, USDT, EURC, BTC, ETH
Top-up or conversion fee	0%	0%
FX markup	0.5%	0% (better)
ATM fee	1% + $1	No card fee
Annual fee (base tier)	$8	Free (better)
Card issuance	Virtual Free · Physical $80	Virtual Free · Physical Not disclosed
Cashback	None	0.5% to 8% (better)
Apple Pay / Google Pay	Apple Pay, Google Pay	Not listed
Safety score	44/100	85/100 (better)
Overall rating	27/100	68/100 (better)
Get the card	Get KOSH	Get Wirex

Yearly cost at three spending levels

Monthly spend	KOSH	Wirex
$500	≤ -$14 Everyday	≤ +$30 Base
$2,000	≤ -$32 Everyday	≤ +$120 Base
$5,000	≤ -$68 Everyday	≤ +$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	KOSH Everyday	Wirex Base
Top-up and conversion fees	$0	$0
Spending fees	$0	$0
Foreign exchange markup	-$24	$0
ATM fees	Not disclosed	Not disclosed
Annual, monthly and subscription fees	-$8	$0
Cashback	$0	+$120
Net per year	-$32	+$120

Fees

KOSH charges 0% to convert or top up and 0.5% on spending in a foreign currency. Wirex charges 0% and 0%.

ATM withdrawals: KOSH 1% + $1; Wirex no card fee.

A virtual card costs nothing with KOSH and nothing with Wirex. A physical card costs $80 and an undisclosed fee.

Cashback and rewards

KOSH cashback: None. Wirex cashback: 0.5% to 8%.

KOSH tiers: Everyday: 0%.

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

KOSH: KOSH lists 10% reward points as coming soon. No reward is paid today.

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

KOSH does not publish a country list. KOSH says it supports onboarding in 90+ countries without publishing the 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.

KOSH 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

KOSH publishes ATM withdrawals of up to $750 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.

KOSH 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

KOSH scores 44/100. 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. KOSH (Piers Technology Inc.) says it is a financial technology company, not a bank or a money services business, and that some services are provided by licensed partners it does not name. It says stablecoin holdings sit with regulated custodians.

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: KOSH safety check and Wirex safety check.

About each card

KOSH Card (formerly Copperx) is a custodial Visa card from KOSH (Piers Technology Inc., formerly Copperx). 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

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

KOSH vs Wirex