Main strengths
- Base is virtual; Premium adds plastic, Private adds metal, with no subscription.
- Redemption caps run from $25 to $2,000 monthly; excess rewards roll forward.
- A user-controlled Privy wallet sits beside region-dependent card services.
Wirex One CardBlack Visa Platinum debit card design
Stablecoin account + Visa card
Wirex One Card
Wirex One pairs a self-custodial digital-asset wallet with Visa debit cards, five membership levels and USD cashback up to 8%. Rewards above the Base tier depend on portfolio value and daily WPAY allocation, with card benefits changing across tiers.
No FXNon-custodialMetal cardTravel focusTiered rewardsFree base plan
Partner link See details
Main trade-offs
- Premium and higher require both portfolio value and a daily WPAY allocation.
- Freshdesk publishes EEA limits; other regional limits remain app-displayed.
- Country access varies; delivery is free for Bespoke but TBC for other tiers.
01 · Core economics
Costs that matter
Wirex One Card combines $0 entry with 0% listed provider FX and ATM access. Allowances, overage charges and third-party costs still depend on the current programme.
ItemStandard tierWhat it means
Annual plan$0Competitive entry price
Top-upNot disclosedThe provider does not publish a general top-up fee in its current funding instructions.
Provider FX markup0%Wirex lists no foreign-transaction fee; third-party conversion costs may still apply.
ATM withdrawal2%2% applies above the free allowance; ATM operator charges may still apply.
Physical cardPlastic from Premium; Visa Signature Metal from PrivateDepends on tier
Limits and secondary feesLimits and other fees
Daily card spendNot disclosedListed
Monthly card spendNot disclosedListed
ATM limitNot disclosedListed
Account depositNot disclosedListed
02 · Plans & rewards
Choose the plan and the rewards together
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 current purchase reward rate
Conditional: not the automatic rate
USD cashback
Highest tier redemption cap; excess earned rewards roll forward
Memberships
1-3 / 5
Entry tier
No minimum portfolio...requirementBase
Virtual
- Cashback
- 0.5% in USD
- Redemption cap
- $25 / month
- Requirement
- No minimum portfolio and no WPAY requirement
- Physical card
- Not included
- Best fit
- Entry tier with a virtual card and no portfolio minimum.
Plastic tier
> $500 portfolio and...requirementPremium
Plastic
- Cashback
- 1% in USD
- Redemption cap
- $100 / month
- Requirement
- At least $500 portfolio and at least 1% held in WPAY
- Physical card
- Plastic card included
- Best fit
- First plastic-card tier; portfolio and WPAY thresholds apply.
Plastic tier
> $2,500 portfolio an...requirementElite
Plastic
- Cashback
- 3% in USD
- Redemption cap
- $300 / month
- Requirement
- At least $2,500 portfolio and at least 3% held in WPAY
- Physical card
- Plastic card included
- Best fit
- Middle plastic-card tier; portfolio and WPAY thresholds apply.
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Visa networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsAvailable
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appNot disclosed
Account rails
- Stablecoin depositsAvailable
- USD bank detailsAvailable
- EUR bank detailsAvailable
- Local payoutsNot confirmed
- Card-funded top-upsCountry-specific
04 · Money in and out
How money enters, settles and leaves Wirex
Receive and send rails are separated. Fees, speed, limits and availability stay attached to the route where they apply.
Money inWays to fund or receive3 routes
Crypto deposits
1 route
Crypto depositsCredited 1:1 to the USD account · Credited 1:1 to the EUR accountUSDCUSDTEURCFeeNo fixed feeSpeedNot confirmedLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- No provider transfer fee
Access path
Via connected wallet
Availability
Supported asset and network combinations
Limit scope
Deposit limits not publicly confirmed
Account setup
wallet
Bank deposits
1 route
Bank fundingBank details and rails depend on region and verification status.USDEURGBPFeeNo fixed feeSpeedNot confirmedLimitsNot confirmedAvailabilityRegion-dependentDetails
Fee components
- No provider transfer fee
Access path
Via connected wallet
Availability
Bank details and rails depend on region and verification status.
Limit scope
Not publicly confirmed
Card & app top-ups
1 route
External card top-upTop-up card must be in the Wirex One user's name.USDEURFeeNot confirmedSpeedInstantLimitsNot confirmedAvailabilityRegion-dependentDetails
Fee components
- Fee terms are descriptive only
Access path
Via connected wallet
Availability
Top-up card must be in the Wirex One user's name. Exact fee remains app-dependent.
Fee scope
A Wirex fee may apply and is shown before confirmation; the card issuer may also charge
Limit scope
Not publicly confirmed
Balance & conversionWallet control
Assets stay in the connected wallet until an authorized spend or transfer action.
What happens on receipt
How a received asset reaches the spendable balance depends on the supported asset and account setup.
Money outWays to send, withdraw or settle3 routes
External crypto sends
1 route
Onchain stablecoin transferThe approved 1:1, 0% conversion claim applies only to supported USDC, USDT and EURC onchain transfers.USDCUSDTEURCFeeNo fixed feeSpeedNetwork-dependentLimitsShown in appAvailabilityConfirmed scopeDetails
Fee components
- No provider transfer fee
Access path
Via connected wallet
Availability
Supported external wallets or exchanges; network selection and account eligibility are confirmed in app
Account setup
wallet
Restrictions
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.
Bank transfers & payouts
2 routes
Pay to an external cardThe recipient does not need a Wirex account.USDEURFeeNot confirmedSpeedInstantLimitsShown in appAvailabilityConfirmed scopeDetails
Fee components
- Fee terms are descriptive only
Access path
Via connected wallet
Availability
External Visa or Mastercard debit and credit cards; prepaid cards and American Express are excluded
Fee scope
Full fee is shown before confirmation
Restrictions
The recipient does not need a Wirex account. Currency conversion may apply when switching between the USD and EUR funding accounts.
Bank account payoutsWirex One lists SEPA for EUR, ACH for USD and Faster Payments for GBP.EURUSDGBPFeeNot confirmedSpeedVaries by railLimitsShown in appAvailabilitySEPADetails
Fee components
- Fee terms are descriptive only
Access path
Via connected wallet
Availability
SEPA, ACH, Faster Payments where available for the user's region and verification status
Fee scope
Method- and amount-dependent fee shown before confirmation
Restrictions
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
Where Wirex is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
Availability
Known restrictions are listed, but a complete allowed-country list is not available.
- Explicit restrictions
- 22 countriesThese reviewed jurisdiction records are hard exclusions; locations outside the list still require the normal signup and identity checks.
Explicit restriction list22 countries
AfghanistanBelarusCentral African RepublicCongo, Democratic Republic of theCubaEritreaGuinea-BissauIranIraqLebanonLibyaMaliMyanmarNorth KoreaRussiaSomaliaSouth SudanSudanSyriaVenezuelaYemenZimbabwe
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productWirex
Provides the product and account experience. Named legal operators appear separately.
Wallet custodyCardholder
Controls the non-custodial MPC wallet; card-settlement funds control is not publicly confirmed.
Non-custodial accountCard issuerTransact Payments Malta Limited
Card-based regulated service under Mastercard licence
Jurisdiction: EEA · Applies to: EEAProgramme operatorUAB Wirex
Card distribution and programme management
Jurisdiction: Lithuania · Applies to: EEACard issuerNovatti Group Limited
Card-based regulated service
Jurisdiction: Australia · Applies to: Australia / New ZealandCustody / key managementPrivy Technologies, Inc.
Independent embedded-wallet key infrastructure
Jurisdiction: United States · Applies to: Self-custodial wallet07 · Methodology
Why the score is 77
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
77/100
GoodHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift99
Everyday usability
Visa spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Additional support83
Funding & transfers
3 inbound and 3 outbound routes cover crypto deposits, crypto withdrawals and bank payouts.
Main constraint52
Rewards value
0.5% base cashback and up to 8%; higher rates depend on complex conditions, paid in USD.
08 · Evidence
Sources
40 sources36 officialChecked Aug 12, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
09 · Card comparison
How Wirex One Card compares to others
A side-by-side look at cards built around stablecoin funding, everyday Visa access and money movement.
1 / 3
Current card
Wirex One Card
Base is virtual; Premium adds plastic, Private adds metal, with no subscription.
- Card
- Debit Visa, Virtual + Physical
- Funds control
- Non-custodial account
- Cashback
- 0.5%–8%
- FX fee
- 0%
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDC, USDT + EURC
- Transfers & payouts
- Crypto + Bank transfers
Similar match
Supported stablecoins, personal bank details and card access sit in one COCA app.
- Card
- Debit Visa, Virtual + Physical
- Funds control
- Self-controlled wallet
- Cashback
- 1%–8%
- FX fee
- 0% on direct pairs
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDT, USDC + EURC
- Transfers & payouts
- Crypto + Bank transfers
- Card
- Credit line Visa, Virtual + Physical
- Funds control
- Non-custodial account
- Cashback
- 3%
- FX fee
- 0%–0.2%
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDC, USDT, EURC +3
- Transfers & payouts
- Crypto + Bank transfers
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
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