Wirex Card
Multi-currency crypto card with up to 8% Cryptoback rewards (requires Elite Ultimate tier, €29.99/month, and 7
4
+Pros
- Long-established FCA-licensed EMI since 2014
- 0% FX fees on all tiers including free Standard plan
- Wide crypto support (68+ coins)
- Free virtual and physical card issuance
- Apple Pay and Google Pay support
- Multi-currency accounts in 12+ fiat currencies including EUR, GBP, CAD, USD
- Available in 150+ countries across UK, EEA, and APAC
- Visa and Mastercard options depending on region
- Over 6 million users
- Support for 150+ currencies in one app
- No annual fee across all tiers
- ATM withdrawals free up to $200/month
−Cons
- Unrealistic 8% cashback requires €29.99/month subscription plus 7.5M WXT tokens locked for 180 days (prohibitively expensive for average users)
- Most users realistically get 0.5-2% cashback
- Complex five-tier structure
- Monthly fees €1.49-€29.99 for paid tiers
- Cashback paid in WXT token subject to price volatility
- Limited practical cashback for average users without significant capital
- Best experience assumes paid subscription
- Inactive accounts may incur recurring charges
- Crypto-to-crypto conversion spreads 1.5-2.5%
- Physical card available but may have shipping fees
- 0% FX fees claim applies to major fiat conversions but crypto-to-fiat spreads still apply
Features
Tiered Cryptoback rewards program (0.5-8% based on WXT staking and monthly tier)Tiered Cryptoback rewards program (0.5-8% based on WXT staking and monthly tier)
Multi-currency support (68+ cryptocurrencies, 12+ fiat)Multi-currency support (68+ cryptocurrencies, 12+ fiat)
0% FX fees on major fiat conversions0% FX fees on major fiat conversions
Apple Pay and Google PayApple Pay and Google Pay
Virtual and physical cardsVirtual and physical cards
Multi-currency accountsMulti-currency accounts
Five tier system (Standard free to Elite Ultimate €29.99/mo)Five tier system (Standard free to Elite Ultimate €29.99/mo)
Exchange functionality built-inExchange functionality built-in
Spend any currency featureSpend any currency feature
Monthly cashback caps up to 250,000 WXT depending on tierMonthly cashback caps up to 250,000 WXT depending on tier
ATM withdrawals with free allowance up to $200/monthATM withdrawals with free allowance up to $200/month
Real-time conversion at point of saleReal-time conversion at point of sale
Visa and Mastercard network optionsVisa and Mastercard network options
Fee Structure
Trading Fee1.5-2.5% crypto-to-crypto conv
Withdrawal FeeFree up to $200/month ATM withdrawals, then 2% fee; daily AT
Deposit FeeFree virtual and physical card issuance; physical card shipp
Signup Bonus
None currently offered
No signup bonus. Free Standard tier available with 0.5% cashback; Elite Ultimate tier costs €29.99/month and requires 7.5M WXT tokens locked for 180 days to achieve 8% cashback. Tier structure: Standard (free, 0.5%), Plus (€1.49/mo, 1%), Premium (€7.49/mo, 2%), Elite (€14.99/mo, 4%), Elite Ultimate (€29.99/mo, 8%).
Expert Verdict
Wirex is a UK FCA-licensed crypto card platform founded in 2014, offering multi-currency support and Cryptoback rewards. Over 6 million users across 150+ countries. FCA-regulated Electronic Money Institution (EMI) with EU licensing and MiCA compliance in progress.