Wirex One Card
- 0% foreign exchange fee
- High Volume platform, trusted by many
- Up to 8% cashback
- Virtual Accounts in your name in EUR, USD and GBP.
- Poor customer service
- Physical Card only available with $500+ deposit
- Limited geos supported, mainly EU-focused
- Built on debit-card rails, unlike most large crypto cards built on credit card rails.
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Key Features
| Launched | May 2026 (5 months ago) |
|---|---|
| Visa or MC | |
| Debit or Credit | Debit Card |
| Denominated In | € EUR |
| Apple Pay | Enabled |
| Monthly Fee | 0.00 EUR |
| Monthly Inactivity Fee | 0.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~1.5% |
| Highest Cashback | up to 8% |
| Entry-Level Cashback | 0.5% |
| Entry-Level Cashback Monthly Cap | 25 EUR |
| Daily Spending Limit | 30,000 EUR |
| Daily ATM Withdrawal Limit | 750 EUR |
| Foreign Exchange Fee | 0% |
| Crypto to Fiat Conversion | Auto on Every Purchase |
| Identity VerificationID Verification | KYC Requiredi |
| Crypto Asset Management | Custodial (you need the wallet provider to access your funds) |
| Supported Blockchains | AvalancheBaseBinance Smart ChainEthereumPolygonSolanaStellar |
| Supported Cryptocurrencies | AUDDBRZEURCEURSNXUSDPYUSDTGBPUSDCUSDEUSDSUSDTVCHFXSGD |
| Supported Countries | AndorraUnited Arab EmiratesArgentinaAustriaAustraliaAzerbaijanBelgiumBulgariaBahrainBrazilSwitzerlandChileColombiaCyprusCzechiaGermanyDenmarkEcuadorEstoniaSpainFinlandFranceUnited KingdomGeorgiaGuernseyGhanaGibraltarGreeceHong KongCroatiaHungaryIrelandIsle of ManIcelandItalyJerseyJapanKenyaSouth KoreaKazakhstanLiechtensteinLithuaniaLuxembourgLatviaMonacoMoldovaMontenegroMacaoMaltaMexicoMalaysiaNigeriaNetherlandsNorwayNew ZealandOmanPanamaPeruPhilippinesPolandPortugalRomaniaSerbiaSwedenSloveniaSlovakiaEl SalvadorThailandTaiwanUkraineUgandaUzbekistanSouth Africa |
Wirex One Card Benefits and Rewards
Wirex One Card offers 0.5%–8% cashback on eligible purchases, depending on your membership tier:
| Tier | Cashback | Monthly Cashback Cap |
| Base | 0.5% | $25 |
| Premium | 1% | $100 |
| Elite | 3% | $300 |
| Private | 5% | $1000 |
| Bespoke | 8% | $2000 |
Reality Check While Wirex One Card promotes up to 8% cashback, if you're an entry-level user, you'll qualify for 0.5% cashback, capped at 25 EUR per month.
Are other cards more generous at base tier? Yes.
| Wirex One Card | Industry Average1 | |
| Entry Level Cashback | 0.5% | 1% |
| Entry Level Cashback Monthly Cap | 25 EUR | 55 EUR |
Wirex Card Tiers - Membership Levels
Here are Wirex's membership levels, pricing and benefits for each plan. Pick the one that makes sense for your budget and the perks you actually care about.
 Base Tier |
 Premium Tier |
 Elite Tier |
 Private Tier |
 Bespoke Tier |
|
| Price | €0 | $500 portfolio balance and 1% of portfolio staked in $WPAY |
$2,500 portfolio balance and 3% of portfolio staked in $WPAY |
$25,000 portfolio balance and 5% of portfolio staked in $WPAY |
$50,000 portfolio balance and 10% of portfolio staked in $WPAY |
| Cashback | 0.5% (€25 cap) |
1% (€100 cap) |
3% (€300 cap) |
5% (€1,000 cap) |
8% (€2,000 cap) |
| Free ATM Withdrawals | $100/mo | $250/mo | $750/mo | $2,500/mo | All free |
| Discounted Lounge Access | - | - | - |
You can choose from these card designs depending on your tier:
|
Base Tier
€0
|
Base Card
|
|
Premium Tier
$500 portfolio balance
and 1% of portfolio staked in $WPAY |
Premium Card
|
|
Elite Tier
$2,500 portfolio balance
and 3% of portfolio staked in $WPAY |
Elite Card
|
|
Private Tier
$25,000 portfolio balance
and 5% of portfolio staked in $WPAY |
Private Card
|
|
Bespoke Tier
$50,000 portfolio balance
and 10% of portfolio staked in $WPAY |
Bespoke Card
|
Wirex One Card is a Debit Card
- Debit Card
- Credit Card
- Prepaid Card
- MT
IBAN Bank Account- in your name
Wirex One Card is a debit card. Alongside, Wirex offers you a personal bank account. You'll receive a Malta-based IBAN bank account number issued in your name.
Third-Party Deposits:Some crypto card companies only allow fiat deposits from accounts that are directly in your name. With Wirex, third party senders are able to deposit funds into your bank account, which means you can receive fiat withdrawals from exchanges, receive salary payments, or get paid by clients.
It Comes in Both Physical and Virtual Forms
You can get Wirex One 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 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 |
Cost to Order: 0 EUR | Cost to Order: 0 EUR |
You will find the physical Wirex One Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.
Free Physical & Virtual Cards:You get both the physical and virtual card for free - while most other crypto cards charge at least for the physical card.
Crypto-to-EUR Conversion Cost with Wirex One Card
Wirex One Card Converts Your Crypto on Demand
Wirex One 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 | 0% |
| Sell Spread | ~1.5% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| EUR Transaction Cost | ~1.5% |
| Foreign Exchange Fee | 0% |
| Non-EUR Transaction Cost | ~1.5% |
Reality Check:Compared to the average ~1.4% crypto-to-fiat cost of other cards, converting crypto with Wirex One Card will cost you about the same (~1.5%).
From all crypto cards we reviewed, Lava Card, Plasma One Card and OKX Card offer the cheapest crypto-to-fiat conversions (~0%, ~0% and ~0.1% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does Wirex One Card Compare to Other Crypto Cards?
Wirex One Card ranks #36 out of 70 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 One Card against its 69 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 10,000 EUR limit on average).
- 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).
- You won't be charged any monthly fee on the base tier (while 15% of other crypto cards charge one, with a median of 2 EUR per month).
- Physical and virtual cards are issued free of charge (while most other crypto cards charge at least for the physical card).
- Is one of the most used crypto cards we track by volume, ranking #5 among 27 cards with available transaction data, with ~$47.6M processed in September 2026.1
Weakest Features Against Competitors
Compared to its 69 competitors, here are the shortcomings of Wirex One Card:
- Limits entry-level cashback to 25 EUR per month (while other cards have 55 EUR average monthly cap for the base tier).
- Their customer service is poor with a 6/10 score (competitors score 7.6/10 on average).
Wirex One Card vs. Gemini Card vs. KAST Card
Wirex One Card
|
Gemini Card
|
KAST Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 EUR | 0.00 USD | 0.00 USD |
| Crypto to Fiat Cost | ~1.5% | ~1.74% | 0% |
| Highest Cashback | up to 8% | up to 3% | up to 5% |
| Entry-Level Cashback | 0.5% | 3% | 1.5% |
| Daily Spending Limit | 30,000 EUR | 25,000 USD | Unlimited |
| Daily ATM Limit | 750 EUR | 1,000 USD | 750 USD |
| Foreign Exchange Fee | 0% | 0% | 1.75% |
| Asset Management | Custodial | Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 13 | 53 | 5 |
| Apple Pay | Enabled | Enabled | Enabled |
| Customer Service | Average | Great | Great |
| Brand Authority | Growing | Growing | Well-Known |
Want a different matchup? Compare any 3 cards here.
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. KAST Card offers an unparalleled Unlimited daily spending limit. You will get lower daily limits with Wirex One Card and Gemini 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 One Card offers the best cashback rewards of up to 8%. The cashback rewards for Gemini Card and KAST 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 One Card ATM Fees: The Real Cost of Cashing Out
Local ATM Withdrawals in EUR
Here's what you'll pay when you withdraw cash in EUR, in a European country where EUR is the local currency:
Starting with an initial amount of 200 EUR in USDT, the ATM withdrawal with Wirex One Card will cost you a total of ~9.94 EUR (5% of 200 EUR), resulting in a final cash withdrawal of 190.06 EUR in hand.
Doesn't Wirex One Card Offer Free ATM Withdrawals?
Yes, Wirex offers free ATM withdrawals for up to 100 EUR per month, which is lower than the typical 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 100 EUR withdrawn per month. In our example, if you withdraw 200 EUR, this waiver saves you 2 EUR, reducing your local ATM withdrawal cost to around 7.94 EUR, compared to the standard cost of approximately 9.94 EUR.
International non-EUR ATM Withdrawals
ATM withdrawals get more expensive when the withdrawal is made in a currency other than EUR.
So if you use your Wirex One Card to withdraw local currency outside of Europe, here's what it will cost you:
For an international withdrawal using your Wirex One Card with an initial 200 EUR in USDT, you'll incur fees totaling ~15.85 EUR (7.9% of 200 EUR), leaving you with 184.15 EUR in the equivalent foreign currency.
Reality CheckOverall, Wirex One Card is slightly more expensive than other cards for local ATM withdrawals and slightly cheaper for international ATM withdrawals:
| Cost with Wirex One Card | Cost with Other Cards | |
| Local ATM Withdrawals | ~10 EUR (5% of 200 EUR) | ~8.4 EUR (4.2% of 200 EUR) |
| International ATM Withdrawals | ~15.8 EUR (7.9% of 200 EUR) | ~17.2 EUR (8.6% of 200 EUR) |
From all crypto cards that we reviewed, Bleap Card, Trade Republic Card and Krak Card offer the cheapest local ATM withdrawals (1.8%, 2.2% and 2.5% 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.
Are People Actually Using Wirex Card?
Market Share
Based on monthly transaction volume among the 27 largest crypto cards, Wirex ranks #5 out of 27, capturing a 5.6% market share.1
-
(#1)
RedotPay
$403M (47.3%)
-
(#2)
EtherFi
$129M (15.1%)
-
(#3)
KAST
$114M (13.4%)
- (#4) Karta $49.5M (5.8%)
-
(#5)
Wirex One
$47.6M (5.6%)
-
(#6)
Plasma One
$25.6M (3.0%)
-
(#7)
Kolo
$19.6M (2.3%)
-
(#8)
Tria
$16.7M (2.0%)
- (#9) Karta.io $16.7M (2.0%)
-
(#10)
Coca
$9.3M (1.1%)
-
(#11)
Avici
$3.8M (0.4%)
- (#12) Avalanche Card $2.8M (0.3%)
- Others (15 cards) $14.5M (1.7%)
Wirex Monthly Transaction Volume
In September 2026, Wirex processed approximately $47.6M in transaction volume.1
User Base Growth
Launched in May 2026, Wirex is steadily growing, with approximately ~19k transacting users per month - out of roughly ~371k installs and ~74k registrations since launch.
Estimated Signup to Transacting User Funnel
Wirex may have reached around ~371k installs since launch. This estimate is based on its peak of ~19k monthly transacting users and general conversion estimates.
Is Wirex One Card Available for Residents of United States?
No, Wirex One Card is not available for residents of United States.
Wirex One Card supports the following countries: Andorra, Argentina, Australia, Austria, Azerbaijan, Bahrain, Belgium, Brazil, Bulgaria, Chile, Colombia, Croatia, Cyprus, Czechia, Denmark, Ecuador, El Salvador, Estonia, Finland, France, Georgia, Germany, Ghana, Gibraltar, Greece, Guernsey, Hong Kong, Hungary, Iceland, Ireland, Isle of Man, Italy, Japan, Jersey, Kazakhstan, Kenya, Latvia, Liechtenstein, Lithuania, Luxembourg, Macao, Malaysia, Malta, Mexico, Moldova, Monaco, Montenegro, Netherlands, New Zealand, Nigeria, Norway, Oman, Panama, Peru, Philippines, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, South Africa, South Korea, Spain, Sweden, Switzerland, Taiwan, Thailand, Uganda, Ukraine, United Arab Emirates, United Kingdom, Uzbekistan.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 17 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
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