Wirex Card
Multi-currency card with up to 8% Cryptoback (top tier required)
4
+Pros
- Long-established platform since 2014 with FCA licensing history
- [0% FX fees on major fiat conversions](https://cryptoslate.com/crypto-cards/wirex-card-review/) across all tiers including free Standard plan
- [150+ cryptocurrency support](https://www.bitdegree.org/crypto/wirex-review)
- Free virtual and physical card issuance
- Apple Pay and Google Pay support
- Multi-currency accounts in 12+ fiat currencies
- Available in 130+ countries
- Visa and Mastercard options depending on region
- Over 6 million users
- No annual fee across all tiers
- Tiered regional ATM withdrawal allowances
- 30-day Elite tier trial for new users
- Daily ATM limit $700, monthly limit $2,700
−Cons
- [Unrealistic 8% cashback requires €29.99/month subscription plus 7.5M WXT tokens locked for 180 days](https://www.bleap.finance/en-us/blog/best-wirex-card-alternatives) (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%
- 0% FX fees claim applies to major fiat conversions but crypto-to-fiat spreads still apply
- Regional variations in withdrawal limits and fees
- [No longer directly FCA-regulated for crypto services in UK](https://www.theblock.co/post/139499/wires-withdraws-fca-crypto-register) (operates via Croatian entity)
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 (150+ cryptocurrencies, 12+ fiat)](https://www.gncrypto.news/news/wirex-card-review/)[Multi-currency support (150+ cryptocurrencies, 12+ fiat)](https://www.gncrypto.news/news/wirex-card-review/)
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
Regional ATM withdrawal allowancesRegional ATM withdrawal allowances
Real-time conversion at point of saleReal-time conversion at point of sale
Visa and Mastercard network optionsVisa and Mastercard network options
30-day Elite trial for new users30-day Elite trial for new users
Daily and monthly ATM limitsDaily and monthly ATM limits
Fee Structure
Trading Fee1.5-2.5% crypto-to-crypto conv
Withdrawal FeeFree ATM withdrawals up to monthly allowance ($200-250 USD e
Deposit FeeFree card issuance (virtual and physical); 0% FX fees on maj
Signup Bonus
30 days of Elite tier benefits
New users receive 30 days of Elite benefits (4% cashback tier). No deposit 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%). Physical card ships free in most regions; delivery time varies by country.
Expert Verdict
[Wirex is a UK-founded crypto card platform established in 2014](https://www.spendnode.io/crypto-cards/wirex/), offering multi-currency support and tiered Cryptoback rewards. Over 6 million users across 130+ countries. [Now operates UK services via Croatian entity Wirex Digital (HANFA-regulated)](https://www.theblock.co/post/139499/wires-withdraws-fca-crypto-register) after withdrawing from FCA register, while maintaining FCA Electronic Money Institution license for legacy services.
