Wirex Card [EU]
- Generous Rewards
- 0% Foreign Exchange Fees
- No Apple Pay
- Poor Customer Service
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Debit Card |
| Denominated In | € EUR |
| Apple Pay | Not Enabled |
| Monthly Fee | 0.00 EUR |
| Monthly Inactivity Fee | 5.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~2% |
| Highest Cashback | up to 8% |
| Entry-Level Cashback | 1% |
| Entry-Level Cashback Monthly Cap | 10,000 WXT (~50 EUR¹) |
| Daily Spending Limit | 30,000 EUR |
| Daily ATM Withdrawal Limit | 500 EUR |
| Foreign Exchange Fee | 0% |
| Crypto to Fiat Conversion | Auto on Every Purchase |
| Crypto Asset Management | Custodial (stores crypto keys on your behalf) |
| Supported Countries | AustraliaAustriaBelgiumBulgariaCroatiaCyprusCzech Republic |
| Supported Cryptocurrencies | 1INCHAAVEACAACHACMADAAEVOAGIXAIALGOAMPAPEAPTARBASR |
Your Wirex Card: Enjoy Generous Daily Spend Limits and Up to 8% Cashback
Wirex Card Benefits and Rewards – for Europe
Wirex offers up to 8% cryptoback (cashback paid in crypto). To get a higher % cryptoback, you will need to either pay the monthly fee of up to €29.99, or lock up some WXT (Wirex Token). See the table below for details.
| Monthly Cost | WXT Lockup Required | Cryptoback | WXT Savings Bonus | |
| Standard – Entry | €0.00 | 0 WXT
|
0.5% | 0% |
| Standard – Enchanced | €0.00 | 150,000 WXT
(~700 EUR¹) |
1% | 1% |
| Premium – Entry | €9.99 | 0 WXT | 1% | 0% |
| Premium – Enhanced | €9.99 | 250,000 WXT
(~1,200 EUR¹) |
2% | 3% |
| Premium – Ultimate | €9.99 | 750,000 WXT
(~3,400 EUR¹) |
3% | 6% |
| Elite – Entry | €29.99 | 0 WXT | 4% | 0% |
| Elite – Enhanced | €29.99 | 1,500,000 WXT
(~6,700 EUR¹) |
6% | 8% |
| Elite – Ultimate | €29.99 | 7,500,000 WXT
(~33,300 EUR¹) |
8% | 16% |
Cashback is paid in WXT and capped at 10,000 WXT (~50 EUR¹) a month for Standard users, 50,000 WXT (~230 EUR¹) a month for Premium users, and 150,000 WXT (~700 EUR¹) for Elite users.
WXT Savings Bonus allows you to earn annual rewards of up to 16%, based on your WXT balance (Wirex Tokens). This means you could earn €3,680 EUR a year on your €23,000 EUR equivalent WXT balance.
Reality Check While Wirex Card promotes up to 8% cashback, if you're an entry-level user with 1,000 EUR in assets, you'll qualify for 1% cashback, capped at 50 EUR per month.
Are other cards more generous at base tier? In fact, Wirex Card is on par with industry averages:
| Wirex Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 50 EUR | 50 EUR |
Wirex Card is a Debit Card
- Debit Card
- Credit Card
- Prepaid Card
- MT
IBAN Bank Account- in your name
Wirex Card is a debit card, connected to your chosen asset account on Wirex platform. Alongside, Wirex offers you a personal bank account. You'll receive a Malta-based IBAN bank account number issued in your name.
Not so Great:Third party senders cannot deposit funds into your Wirex bank account - you can only receive deposits from accounts in your name. This means you will not be able to receive your fiat withdrawals from exchanges or receive salary payments.
It Comes in Both Physical and Virtual Forms
You can get Wirex Card in both physical and virtual versions, a feature only available with 30% of crypto cards. They'll mail you the physical card, and you can instantly get the virtual card online after completing KYC Identity Verification.
Wondering about the perks of each card type? Here are some highlights:
Physical Card | Virtual Card |
|---|---|
| ATM Withdrawals | Second Card Number |
| Required for Car Rentals, Hotels | Instant Availability |
| Useful When Phone Dies, or no Wifi | Freeze for Safety |
| Backup Payment Method | Set Lower Spend Limits |
You will find the physical Wirex Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.
The back of Wirex Card
| Card Issuer | Wirex Ltd |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 53738934 |
| Validity Period | 3 years |
| Issuing Country | Lithuania |
Crypto-to-EUR Conversion Cost with Wirex Card
Wirex Card Converts Your Crypto on Demand
Wirex Card offers instant conversion to EUR at the time of purchase. This allows you to hold your crypto and exchange to real-life currency only when you need to. No need to pre-convert your cryptocurrencies or preload the card.
| Crypto to Fiat Conversion Fee | 1.5% |
| Sell Spread | ~0.5% |
| Transaction Fee | 0% |
| Total Crypto to EUR Cost | ~2% |
Reality Check:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with Wirex Card will cost you about the same (~2%).
From all crypto cards we reviewed, Kast Card, WhiteBIT Card and Holyheld Card offer the cheapest crypto-to-fiat conversions (~0%, ~0.28% and ~0.5% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does Wirex Card Compare to Other Crypto Cards?
Wirex Card ranks #53 out of 63 amongst all the crypto cards we have reviewed so far. This means it's one of the bottom 20%. But don't rush to judge, our rating is based on company strength, fee structure and customer service - if this card supports your country while others don't, or you use their other services, this card may still be a good choice for you.
Strongest Features Against Competitors
Here are the strongest features of Wirex Card against its 42 competitors:
- Offers impressive maximum cashback of up to 8% (other cards have an average of 4%).
- Has a Foreign Exchange Fee of 0% (other cards have 1.5% average).
- Offers a generous 30,000 EUR daily spend limit (other cards offer 21,500 EUR limit on average).
- Supports 159 cryptocurrencies (while other cards support an average of 20).
- Doesn't require preconverting of your crypto, converts needed amount automatically on every purchase (while 70% of competing crypto cards require you to preload card in advance).
- You can get both a physical card and a second virtual card (while 70% of competing crypto cards offer only one type - either physical or just virtual).
- Available for residents of United States.
Weakest Features Against Competitors
Compared to its 42 competitors, here are the shortcomings of Wirex Card:
- Apple Pay isn't enabled (while 70% of competing crypto cards have it).
- Limits ATM widthdrawals to 500 EUR per day (average amongst other cards is 1,000 EUR).
- Their customer service is poor with a 1.8/10 score (competitors score 7.2/10 on average).
Wirex Card [EU] vs. Bit2Me Card vs. Nexo Card
Wirex Card
|
Bit2Me Card
|
Nexo Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 EUR | 0.00 EUR | 0.00 EUR |
| Crypto to Fiat Cost | ~2% | ~1.2% | ~0.75% |
| Highest Cashback | up to 8% | up to 9% | up to 2% |
| Entry-Level Cashback | 1% | 0.25% | 0.5% |
| Daily Spending Limit | 30,000 EUR | 2,500 EUR | 10,000 EUR |
| Daily ATM Limit | 500 EUR | 300 EUR | 2,000 EUR |
| Foreign Exchange Fee | 0% | 2% | 2% |
| Asset Management | Custodial | Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 159 | 13 | 83 |
| Apple Pay | Not Enabled | Enabled | Enabled |
| Customer Service | Bad | Bad | Great |
| Brand Authority | Growing | Growing | Well-Known |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Wirex Card offers the highest daily spending limit of 30,000 EUR. You will get lower daily limits with Bit2Me Card and Nexo Card.
Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Bit2Me Card offers the best cashback rewards of up to 9%. The cashback rewards for Wirex Card and Nexo Card are not as high.
To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.
Wirex Card ATM Fees: The Real Cost of Cashing Out
Local ATM Withdrawals in EUR
Here's a breakdown of the fees you'll face when making local ATM withdrawals with your Wirex Card:
Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Wirex Card will cost you a total of ~10.92 EUR (5.5% of 200 EUR), resulting in a final cash withdrawal of 189.08 EUR in hand.
Doesn't Wirex Card Offer Free ATM Withdrawals?
Yes, Wirex offers free ATM withdrawals for up to 200 EUR per month, in line with the average limit of 200 EUR offered by other cards.
When they say 'free', they are only referring to their ATM Withdrawal Fee, which will be waived for the first 200 EUR withdrawn per month. In our example, if you withdraw 200 EUR, this waiver saves you 3.92 EUR, reducing your local ATM withdrawal cost to around 7 EUR, compared to the standard cost of approximately 10.92 EUR.
International non-EUR ATM Withdrawals
Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your Wirex Card, here's what it will look like:
For an international withdrawal using your Wirex Card with an initial 200 EUR in ETH, you'll incur fees totaling ~16.8 EUR (8.4% of 200 EUR), leaving you with 183.2 EUR in the equivalent foreign currency.
Reality CheckOverall, Wirex Card is slightly more expensive than other cards for local ATM withdrawals and slightly cheaper for international ATM withdrawals:
| Cost with Wirex Card | Cost with Other Cards | |
| Local ATM Withdrawals | ~11 EUR (5.5% of 200 EUR) | ~9.2 EUR (4.6% of 200 EUR) |
| International ATM Withdrawals | ~16.8 EUR (8.4% of 200 EUR) | ~18.4 EUR (9.2% of 200 EUR) |
From all crypto cards that we reviewed, Trade Republic Card, Holyheld Card and Netcoins Card offer the cheapest local ATM withdrawals (2.2%, 2.5% and 2.6% of 200 EUR respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 9% of 200 EUR.
We Tested Wirex's Customer Support
We asked Wirex's customer support different questions, and then rated their responses to evaluate how good their support is.
Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.
Wirex offers support via the following channels:
| support@wirexapp.com | |
| Web Form | https://wirexapp.com/help/request/create |
| Discord | https://discord.gg/f8UGp4dH6g |
Location: Wirex customer service reps are located in 
Ukraine and 
United Kingdom.¹
| Support Channel | Our Interaction | Score |
Email (didn't reply) | When emailed, auto-reply indicated to use web form for faster reply. Then they never replied to the ticket submitted via web form. | No Response 0/10 |
Discord (replied in 48 min) | Posted in support channel on Discord. They quickly replied with a link to the document that explains the dispute process in detail. | High Competence Not Personalized Flawless English, Professional Tone 9/10 |
Web Form (didn't reply) | Never replied. Waited for 10 days. | No Response 0/10 |
Web Form (didn't reply) | Never replied. Waited for 13 days. | No Response 0/10 |
Web Form (didn't reply) | Never replied. Waited for 10 days. | No Response 0/10 |
To summarize,
Competence and Problem-Solving: Wirex's customer service could potentially be competent, but we were unable to evaluate it.
Customer Love: Wirex demonstrates a disappointing disregard for customer care, primarily through their consistent failure to respond.
Reply Speed: The majority of customer inquiries go unanswered, which is absolutely unacceptable.
Overall Customer Service Rating: 1.8/10
With this score, Wirex's Customer Service is extremely poor, compared to other crypto cards, which score an average of 7.2/10.
Wirex Referral Code - to Get 10 USD Bonus
You can use referral code cryptonoshi to get 10 USD bonus when you create an account on Wirex platform.
Here's how you can enter the referral code:
..or, just click here.
Your bonus will be paid out to you right after you deposit your first $100 into your Wirex account.
p.s. Are we getting paid for referring you? Yes, and it helps us continue our mission. It's like you are buying us lunch 🍱 for all the hard work we've put into building this site. We really appreciate it. Thank you. 🙏🤗
Wirex Card supports 37 countries
Is Wirex Card Available for Residents of United States?
Yes, Wirex Card is available for residents of United States.
Wirex Card [EU] supports the following countries: Australia, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hong Kong, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, New Zealand, Norway, Philippines, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, Spain, Sweden, Taiwan, United Kingdom. Wirex Card [USA] supports: United States.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 11 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Nice Details. What's My Next Step?
Paulina Masson
Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.
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