Our verdict
Best for: Frequent travellers who want zero FX fees across multiple currencies
Wirex's standout feature is genuine 0% FX on all tiers, not just premium ones. The multi-currency account supporting EUR, GBP, and USD gives it flexibility most competitors lack. The realistic ~2% cashback is respectable. Available in UK, Europe, and parts of APAC. The main weakness is a busier feature set that takes time to navigate. For pure international spend with no FX friction, Wirex is one of the cleanest options.
Specifications
| Card network | Visa/Mastercard |
|---|---|
| Provider | Wirex Limited (UK FCA EMI; Wirex UAB Lithuania for EEA) |
| Funding model | Pre-funded debit (you load crypto/stablecoins to spend) |
| Settlement currency | multi_currency |
| Available in | UK, Europe (excl. Cyprus, Liechtenstein), AU, NZ, HK, TW, Singapore |
| Supported chains | Multiple via Wirex platform |
| Supported assets | BTC, ETH, USDC, USDT, XRP, ADA, WXT and 40+ assets |
| Issuance fee | $0 |
| Monthly fee | $0 |
| FX markup | 0% |
| ATM fee | 2% |
| Top-up fee | 1% |
| Foreign transaction fee | 0% |
| Cashback | Up to 8% in WXT (realistic ~1%) |
| Cashback monthly cap | $110 |
| Daily spend limit | $30000 |
| Monthly spend limit | , |
| Daily ATM limit | $750 |
| Last verified | 2026-04-30 |
What to watch out for
- 0% FX fee on all tiers (genuinely competitive)
- multi-currency accounts in EUR/GBP/CAD/USD + 8 others
- Visa principal member since July 2020
- supports 12+ fiat currencies, 40+ crypto
- founded 2014, oldest still-operating crypto card
- ATM free up to 200 GBP/EUR/SGD or 400 AUD monthly then 2%
Editorial notes
- Custodial
- WXT is volatile and rewards value depends on token price
- US availability removed for most states
- conversion spreads ~1-2% can erode 0% FX advantage
- inactivity fees apply after long dormancy
- Trustpilot 2.9/5 (mixed)
- also operates Wirex Pay (decentralized payment network with WPAY token)
- 6M+ users globally
Frequently asked questions
Where is the Wirex Card available?
As of 2026-04-30, Wirex Card is available to residents of United Kingdom, Europe, and Asia-Pacific. Specific country list: UK, Europe (excl. Cyprus, Liechtenstein), AU, NZ, HK, TW, Singapore.
How does the Wirex Card cashback work?
Wirex Card offers up to 8% cashback paid in WXT. Tiered by Standard/Premium/Elite plan + WXT lockup; Standard 0.5%; max 8% requires Elite Ultimate plan (€29.99/month) + 7.5M WXT lockup (~$55K); cashback caps 10K-150K WXT/month; eligible spend rules apply In practice, the realistic effective rate for most users is around 1%.
What are the fees on the Wirex Card?
Wirex Card has no issuance fee, no monthly fee, no FX markup. See the spec table above for ATM and top-up fees.
Does Wirex Card hold my crypto?
Yes. Wirex Card is a pre-funded card. You transfer crypto or stablecoins to a balance held by the provider, which the card then spends from. This is custodial: the issuer controls the funds while they sit there.
Last verified 2026-04-30. Rates and availability change frequently. Always confirm with the issuer before signing up. See our methodology for how we collect and verify this data.