Stablecoin account + Visa card
Wirex One Card is Wirex's current consumer Visa debit card, with five membership levels, USD cashback and virtual, plastic or metal cards depending on portfolio value and WPAY share. Current Wirex One documents list a 0% Wirex foreign-transaction fee, tier redemption caps and a 2% ATM fee above the free allowance. The digital-asset wallet is self-custodial, while regulated card services, country access and non-Bespoke delivery prices remain region-dependent or incomplete.
Wirex markets access in 130+ countries, but this is not a complete supported-country allowlist. 22 explicitly named prohibited jurisdictions are applied as strict-negative country records. Other country access and the responsible regulated provider remain jurisdiction-specific and unknown until confirmed during signup.
Why it stands out
Main trade-offs
01 · Core economics
Wirex One has no annual plan fee and lists a 0% Wirex foreign-transaction fee, while ATM overage and undisclosed ancillary fees still matter.
02 · Plans & rewards
Wirex One Card keeps the reward range visible above while the membership cards below preserve each tier's fee, card design, rewards, limits and other tier-specific differences.
Lowest approved purchase reward rate
Conditional — not the automatic rate
USD cashback
Highest tier cap; excess rewards roll forward
Virtual
Plastic
Plastic
03 · Everyday use
Card access, mobile wallets and account rails are separated so missing channels are easy to spot.
04 · Money in and out
Receive and send rails are separated. Fees, speed, limits and availability stay attached to the route where they apply.
1 route
Credited 1:1 to the USD account · Credited 1:1 to the EUR account
Via connected wallet
Supported asset and network combinations
Deposit limits not publicly confirmed
wallet
1 route
Bank details and rails depend on region and verification status.
Via connected wallet
Bank details and rails depend on region and verification status.
Not publicly confirmed
1 route
Top-up card must be in the Wirex One user's name.
Via connected wallet
Top-up card must be in the Wirex One user's name. Exact fee remains app-dependent.
A Wirex fee may apply and is shown before confirmation; the card issuer may also charge
Not publicly confirmed
Assets stay in the connected wallet until an authorized spend or transfer action.
How a received asset reaches the spendable balance depends on the supported asset and account setup.
1 route
The approved 1:1, 0% conversion claim applies only to supported USDC, USDT and EURC onchain transfers.
Via connected wallet
Supported external wallets or exchanges; network selection and account eligibility are confirmed in app
wallet
The approved 1:1, 0% conversion claim applies only to supported USDC, USDT and EURC onchain transfers. It is not a generic zero conversion-fee claim.
2 routes
The recipient does not need a Wirex account.
Via connected wallet
External Visa or Mastercard debit and credit cards; prepaid cards and American Express are excluded
Full fee is shown before confirmation
The recipient does not need a Wirex account. Currency conversion may apply when switching between the USD and EUR funding accounts.
Wirex One lists SEPA for EUR, ACH for USD and Faster Payments for GBP.
Via connected wallet
SEPA, ACH, Faster Payments where available for the user's region and verification status
Method- and amount-dependent fee shown before confirmation
Wirex One lists SEPA for EUR, ACH for USD and Faster Payments for GBP. Availability is conditional and does not create a country allowlist.
06 · Trust and eligibility
Eligibility, identity checks and provider responsibilities are kept separate.
Identity verification is required to access card services.
The profile lists known restrictions rather than a complete allowed-country list.
Only concrete responsibilities and identified organisations are shown.
Public-facing product and account experience; legal operators are listed separately when confirmed.
Controls the non-custodial MPC wallet; card-settlement funds control is not publicly confirmed.
Non-custodial accountCard-based regulated service under Mastercard licence
Jurisdiction: EEA · Applies to: EEACard distribution and programme management
Jurisdiction: Lithuania · Applies to: EEACard-based regulated service
Jurisdiction: Australia · Applies to: Australia / New ZealandIndependent embedded-wallet key infrastructure
Jurisdiction: United States · Applies to: Self-custodial wallet07 · Methodology
The score weighs practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the company and provider stack. Undisclosed data does not boost the score.
Higher is better
Visa spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
3 inbound and 3 outbound routes cover crypto deposits, crypto withdrawals and bank payouts.
0.5% base cashback and up to 8%; higher rates depend on complex conditions, paid in USD.
08 · Evidence
We review every published fact and value on this page against source evidence. Official product, fee, membership and legal sources are used for the terms that affect cost, eligibility, rewards and custody.
Help keep this page accurate
Tell us what changed and, if possible, include an official source. We review corrections before updating public card facts.