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. Available in UK, Europe, and parts of APAC. The open question since June 2026 is rewards: with Cryptoback ended in the EEA and Australia and Wirex One's rates unpublished, the card currently earns its place on FX and multicurrency strength, not cashback. For pure international spend with no FX friction, Wirex remains 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| Cashback | Up to 8% in WXT (legacy tiers; EEA/AU moved to Wirex One, rates unpublished) |
| Cashback monthly cap | $110 |
| Daily spend limit | $30000 |
| Monthly spend limit | , |
| Daily ATM limit | $750 |
| Last verified | 2026-08-31 |
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
- Cryptoback ended in the EEA and Australia on 30 June 2026; the replacement Wirex One programme launched with five USD-valued tiers whose rates are not yet published
- 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.