Wirex Card [EU]

#42 (out of 51) in Crypto Cards
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Overall Rating
Company Strength
Fee Structure
Customer Service
  • Generous Rewards
  • 0% Foreign Exchange Fees
  • No Apple Pay
  • Poor Customer Service
Visa or MC
Debit or Credit

Debit Card

Denominated In€ EUR
Apple PayNot Enabled
Monthly Fee

0.00 EUR

Monthly Inactivity Fee

5.00 EUR

Crypto to EUR Crypto->EUR Conversion Cost


Highest Cashback

up to 8%

Entry-Level Cashback


Entry-Level Cashback Monthly Cap

10,000 WXT (~60 EUR¹)

Daily Spending Limit

30,000 EUR

Daily ATM Withdrawal Limit

500 EUR

Foreign Exchange Fee


Crypto to Fiat Conversion

Auto on Every Purchase

Crypto Asset Management

Custodial (stores crypto keys on your behalf)

Supported CountriesShow All (37)
Your Wirex Card: Enjoy Generous Daily Spend Limits and Up to 8% Cashback

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

(~900 EUR¹)

1% 1%
Premium – Entry €9.99 0 WXT 1% 0%
Premium – Enhanced €9.99 250,000 WXT

(~1,400 EUR¹)

2% 3%
Premium – Ultimate €9.99 750,000 WXT

(~4,200 EUR¹)

3% 6%
Elite – Entry €29.99 0 WXT 4% 0%
Elite – Enhanced €29.99 1,500,000 WXT

(~8,300 EUR¹)

6% 8%
Elite – Ultimate €29.99 7,500,000 WXT

(~41,400 EUR¹)

8% 16%

Cashback is paid in WXT and capped at 10,000 WXT (~60 EUR¹) a month for Standard users, 50,000 WXT (~280 EUR¹) a month for Premium users, and 150,000 WXT (~900 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 60 EUR per month.

Are other cards more generous at base tier? Yes, slightly:

Wirex CardIndustry Average1
Entry Level Cashback1%1%
Entry Level Cashback Monthly Cap60 EUR55 EUR

Wirex Card is a Debit Card

  • Debit Card
  • Credit Card
  • Prepaid Card
  • IE88 8888 8888 8888 8888
  • Ireland flag 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 an Ireland-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 40% 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 WithdrawalsSecond Card Number
Required for Car Rentals, HotelsInstant Availability
Useful When Phone Dies, or no WifiFreeze for Safety
Backup Payment MethodSet 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.

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 Fee1.5%
Sell Spread~0.5%
Transaction Fee
Total Crypto to EUR Cost~2%

Reality Check:Compared to the average ~1.7% 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, WhiteBIT Card, Holyheld Card and Trade Republic Card offer the cheapest crypto-to-fiat conversions (~0.28%, ~0.5% and ~0.7% 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 #42 out of 51 amongst all the crypto cards we have reviewed so far. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.

Strongest Features Against Competitors

Here are the strongest features of Wirex Card against its 36 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 13,500 EUR limit on average).
  • Supports 116 cryptocurrencies (while other cards support an average of 20).
  • Doesn't require preconverting of your crypto, converts needed amount automatically on every purchase (while 60% of competing crypto cards require you to preload card in advance).
  • You can get both a physical card and a second virtual card (while 60% 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 36 competitors, here are the shortcomings of Wirex Card:

  • Apple Pay isn't enabled (while 60% of competing crypto cards have it).
  • Their customer service is poor with a 1.8/10 score (competitors score 7.5/10 on average).
  • Wirex Card [EU] vs. Fiat24 Card vs. Nexo Card

    Wirex Card
    Fiat24 Card
    Nexo Card
    Monthly Fee 0.00 EUR 0.00 EUR 0.00 EUR
    Crypto to Fiat Cost ~2% ~1.75% + Gas Fees ~0.75%
    Highest Cashback up to 8% None up to 2%
    Entry-Level Cashback 1% None 0.5%
    Daily Spending Limit 30,000 EUR 9,800 EUR 10,000 EUR
    Daily ATM Limit 500 EUR N/A (Virtual-Only Card) 2,000 EUR
    Foreign Exchange Fee 0% 1.5% 0.5%
    Asset Management Custodial Non-Custodial Custodial
    Availability for United States flagUnited States
    Supported Cryptocurrencies 116 12 63
    Apple Pay Not Enabled Enabled Enabled
    Customer Service Bad Great Great
    Company Strength Medium Weak Strong

    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 Fiat24 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, Wirex Card offers the best cashback rewards of up to 8%. The cashback rewards for Nexo Card are not as high. With Fiat24 Card, you will have no cashback rewards at all.

    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:

You're at a local ATM and have:
0.062 ETH (200 EUR)
-4 EUR
Wirex Crypto-to-Fiat Conversion Cost: ~2%
-3.92 EUR
Wirex ATM Withdrawal Fee: 2%
-3 EUR
ATM Operator Fee: ~3 EUR
189.08 EUR

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:

You're at an international ATM and have:
0.062 ETH (200 EUR)
-4 EUR
Wirex Crypto-to-Fiat Conversion Cost: ~2%
-3.92 EUR
Wirex Intl ATM Withdrawal Fee: 2%
-0 EUR
Wirex Foreign Exchange Fee: 0%
-1.96 EUR
Mastercard Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-3.92 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 183.2 EUR)

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 more expensive than other cards for local ATM withdrawals and slightly cheaper for international ATM withdrawals:

Cost with Wirex CardCost with Other Cards
Local ATM Withdrawals~11 EUR (5.5% of 200 EUR)~9 EUR (4.5% of 200 EUR)
International ATM Withdrawals~16.8 EUR (8.4% of 200 EUR)~18.2 EUR (9.1% 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:

Web Formhttps://wirexapp.com/help/request/create

Location: Wirex customer service reps are located in Ukraine flagUkraine and United Kingdom flagUnited Kingdom.¹

Support Channel Our Interaction Score
(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
(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
Web Form
(didn't reply)
Never replied. Waited for 10 days.
No Response
Web Form
(didn't reply)
Never replied. Waited for 13 days.
No Response
Web Form
(didn't reply)
Never replied. Waited for 10 days.
No Response

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 7.5/10.

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:

Wirex 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. 🙏🤗

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 9 cards listed there.

You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.

Solid Info. What's My Next Step?

Paulina Masson

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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