Wirex Card [USA]

#48 (out of 51) in Crypto Cards
#10 (out of 11) in Crypto Cards for North America
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Overall Rating
Company Strength
Fee Structure
Customer Service
  • Crypto conversion at time of purchase, no need to preload
  • 0% Foreign Exchange Fees
  • No Apple Pay, but can be added via Curve app
  • Poor Customer Service
Visa or MC
Debit or Credit

Debit Card

Denominated In$ USD
Apple PayNot Enabled
Monthly Fee

0.00 USD

Monthly Inactivity Fee

5.00 USD

Crypto to USD Crypto->USD Conversion Cost


Highest Cashback

up to 8%

Entry-Level Cashback


Entry-Level Cashback Monthly Cap

10,000 WXT (~60 USD¹)

Daily Spending Limit

2,500 USD

Daily ATM Withdrawal Limit

500 USD

Foreign Exchange Fee


Crypto to Fiat Conversion

Auto on Every Purchase

Crypto Asset Management

Custodial (stores crypto keys on your behalf)

Supported Countries
Wirex Card [USA]: Earn Up to 8% on Your Spending

Wirex Card [USA]: Earn Up to 8% on Your Spending

Wirex Card Benefits and Rewards – for USA

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 USD¹)

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

(~1,500 USD¹)

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

(~4,500 USD¹)

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

(~8,900 USD¹)

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

(~44,400 USD¹)

8% 16%

Cashback is paid in WXT and capped at 10,000 WXT (~100 USD¹) a month for Standard users, 50,000 WXT (~300 USD¹) a month for Premium users, and 150,000 WXT (~900 USD¹) 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 $4,000 USD a year on your $25,000 USD equivalent WXT balance.

Reality Check While Wirex Card promotes up to 8% cashback, if you're an entry-level user with 1,000 USD in assets, you'll qualify for 1% cashback, capped at 60 USD per month.

Are other cards more generous at base tier? Yes.

Wirex CardIndustry Average1
Entry Level Cashback1%1%
Entry Level Cashback Monthly Cap60 USD400 USD

Wirex Card is a Debit Card

  • Debit Card
  • Credit Card
  • Prepaid Card
  • US888888888888
  • United States flag USA-based 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 USA-based bank account number, issued in your name, which is a nice additional option to have.

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-USD Conversion Cost with Wirex Card

Wirex Card Converts Your Crypto on Demand

Wirex Card offers instant conversion to USD 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 USD 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 for North America, Crypto.com Card, Shakepay Card and Netcoins Card offer the cheapest crypto-to-fiat conversions (~0.75%, ~0.75% and ~1.1% respectively), while converting crypto with Coinbase Card will cost you the most, ~4%.

How Does Wirex Card Compare to Other Crypto Cards?

Wirex Card ranks #48 out of 51 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.

We compared Wirex Card with 10 similar crypto cards, available for the same geographical region. See the resulting pros and cons below.

Strongest Features Against Competitors

Here are the strongest features of Wirex Card against its 10 competitors:

  • Offers impressive maximum cashback of up to 8% (other cards have an average of 3%).
  • Has a Foreign Exchange Fee of 0% (other cards have 1.5% average).
  • Supports 57 cryptocurrencies (while other cards support an average of 30).
  • 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 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 10 competitors, here are the shortcomings of Wirex Card:

  • Apple Pay isn't enabled (while 80% of competing crypto cards have it).
  • Limits entry-level cashback to 60 USD per month (while other cards have 400 USD average monthly cap for the base tier).
  • Daily spend is capped at 2,500 USD (while other cards offer 11,500 USD daily spend limit on average).
  • Limits ATM widthdrawals to 500 USD per day (average amongst other cards is 1,000 USD).
  • Their customer service is poor with a 1.8/10 score (competitors score 7.5/10 on average).
  • Wirex Card [USA] vs. Crypto.com Card vs. Coinbase Card

    Wirex Card
    Crypto.com Card
    Coinbase Card
    Monthly Fee 0.00 USD 0.00 USD 0.00 USD
    Crypto to Fiat Cost ~2% ~0.75% ~4%
    Highest Cashback up to 8% up to 5% up to 4%
    Entry-Level Cashback 1% 1% 1%
    Daily Spending Limit 2,500 USD 10,000 USD 2,500 USD
    Daily ATM Limit 500 USD 500 USD 1,000 USD
    Foreign Exchange Fee 0% 3% 2.49%
    Asset Management Custodial Custodial Custodial
    Availability for United States flagUnited States
    Supported Cryptocurrencies 57 23 235
    Apple Pay Not Enabled Enabled Enabled
    Customer Service Bad Bad Great
    Company Strength Medium Strong Strong

    If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Crypto.com Card offers the highest daily spending limit of 10,000 USD. You will get lower daily limits with Wirex Card and Coinbase 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 Crypto.com Card and Coinbase 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 USD

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:
0.0577 ETH (200 USD)
-4 USD
Wirex Crypto-to-Fiat Conversion Cost: ~2%
-3.92 USD
Wirex ATM Withdrawal Fee: 2%
-3 USD
ATM Operator Fee: ~3 USD
189.08 USD

Starting with an initial amount of 200 USD in ETH, the ATM withdrawal with Wirex Card will cost you a total of ~10.92 USD (5.5% of 200 USD), resulting in a final cash withdrawal of 189.08 USD in hand.

Doesn't Wirex Card Offer Free ATM Withdrawals?

Yes, Wirex offers free ATM withdrawals for up to 200 USD per month, in line with the average limit of 200 USD 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 USD withdrawn per month. In our example, if you withdraw 200 USD, this waiver saves you 3.92 USD, reducing your local ATM withdrawal cost to around 7 USD, compared to the standard cost of approximately 10.92 USD.

International non-USD 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:
0.0577 ETH (200 USD)
-4 USD
Wirex Crypto-to-Fiat Conversion Cost: ~2%
-3.92 USD
Wirex Intl ATM Withdrawal Fee: 2%
-0 USD
Wirex Foreign Exchange Fee: 0%
-1.96 USD
Visa Foreign Exchange Fee: 1%
-3 USD
ATM Operator Fee: ~3 USD
-3.92 USD
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 183.2 USD)

For an international withdrawal using your Wirex Card with an initial 200 USD in ETH, you'll incur fees totaling ~16.8 USD (8.4% of 200 USD), leaving you with 183.2 USD 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 USD (5.5% of 200 USD)~9 USD (4.5% of 200 USD)
International ATM Withdrawals~16.8 USD (8.4% of 200 USD)~18.2 USD (9.1% of 200 USD)

From all crypto cards that we reviewed, Netcoins Card, Crypto.com Card and Wealthsimple Card offer the cheapest local ATM withdrawals (2.6%, 4.2% and 4.5% of 200 USD respectively), while Gemini Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 8.2% of 200 USD.

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, this version of Wirex Card was specifically designed for the residents of United States.

Wirex Card [USA] supports: 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.

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.

That Helps. 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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