Wirex Card
by Wirex
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- 1%
- ID check
- ID verification
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
Wirex has been running since 2014, supports 150+ fiat currencies and offers up to 8% cashback to premium users. FCA regulation and cold storage add reassurance, but the subscription costs may not suit casual users.
What we like
- +150+ fiat currencies, the most in the industry
- +FCA regulated, with 99% of funds in cold storage
- +Up to 8% cashback for Elite Ultimate subscribers
- +Free ATM withdrawals up to $250 a month
- +US access via Wirex Pay since Feb 2025
Watch out for
- −Top cashback needs a €29.99 monthly subscription
- −Cashback paid in WXT, which is price-volatile
- −1% fee on crypto top-ups
- −Weak customer reviews (2.9/5 on Trustpilot)
- −Crypto conversion fees are unclear
5.8/10
Editor score
Fair
4.7/10
User rating
Based on 67 sources
Lv 3
KYC Level
ID verification
Global
Availability
1 countries excluded
Card Overview
Rewards
- Cashback
- 2%
- Cashback Crypto
- WXT
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- $15
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- 2.25%
- FX Fee
- 1%
- Top-up Fee
- 1%
- Decline Fee
- —
Limits
- Daily Spend
- $15,000
- Monthly Spend
- $75,000
- ATM Withdrawal
- $1,500
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Mastercard
- Apple Pay
- Google Pay
KYC Requirements
Level: ID verification
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
4.7/10
Sourced from
Wirex is a London-based EMI active since 2014 and a Visa and Mastercard principal member, covering the UK, EEA and some APAC markets with multi-currency accounts, over 60 crypto assets, live conversion at payment, Apple and Google Pay and zero-markup FX across 150+ currencies. Reddit threads recommend it for cross-border spending and for expats blocked by local banks. Onboarding is quick, with government ID and a liveness check, but re-verification is a common complaint, with documents requested again, accounts stuck pending and source-of-wealth demands after approval. The 8% headline cashback needs either a roughly 29.99 EUR monthly subscription plus up to 7.5 million WXT locked for 180 days, or heavy WPAY exposure on Wirex One, and the base rate is 0.5%. Fees include 1% on external card top-ups, 2% above the roughly 200 monthly free ATM allowance, conversion spreads of about 0.5-2% and an inactivity policy that can drain dormant balances. Trustpilot is near 2.4/5 across roughly 17,000 to 18,000 reviews, mostly about frozen accounts and silent support, and some customers waited up to 246 days for access to funds. The 2026 Wirex One migration brought crashes, failed logins and missing legacy balances. It suits active, verified users in supported markets, and is a poor fit for anyone who needs guaranteed access or plans to hold.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum, Polygon
Frequently asked questions
Does the Wirex Card require KYC?
Yes. Wirex asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the Wirex Card charge?
The card has a monthly fee of free, an issuance fee of free, a top-up fee of 1%, an FX fee of 1%. See the fee table above for ATM and decline fees.
Does the Wirex Card work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the Wirex Card?
It is available in most countries, except United States.
Which cryptocurrencies does the Wirex Card support?
BTC, ETH, USDT, XRP, LTC.
Last updated August 19, 2026, verified August 18, 2026.