WirexWirex One
77
Side-by-side card comparison
Wirex One vs ARQ: fees, rewards and account setup
Wirex One Card has the higher Overall Score by 13 points (77 vs 64). Wirex One Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where ARQ Card may still be the better personal fit.
Information checked Aug 12, 202672 official sources reviewed
01 · Make the first cut
Wirex One Card is the better all-round starting point
Wirex One Card has the higher Overall Score in this comparison. ARQ Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallWirex One77ARQ64Higher score
CashbackWirex One70ARQ41Higher score
TravelWirex One85ARQ62Higher score
Funds controlWirex One73ARQ52Higher score
Lowest feesWirex One68ARQ52Higher score
TransfersWirex One94ARQ75Higher score
Choose Wirex One Card if cashback and travel matter most
Wirex One Card comes out ahead for Cashback, Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Five current card tiers
- 0.5% to 8% cashback in USD
- Self-custodial digital assets
Choose ARQ Card if its day-to-day setup suits you
ARQ Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Clear four-country residence coverage
- Virtual, physical and phone-wallet access
- Paid tiers add cashback and earnings
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Wirex One77ARQ64
Wirex One Card has the higher Overall Score by 13 points.
- Entry cost & FX
- Wirex One$0 plan · 0% FXARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Wirex One0.5% base · up to 8%ARQ0% base · up to 2%
Wirex One Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- Wirex OneNon-custodial accountARQCustodial balance
Wirex One Card uses a non-custodial account setup, while ARQ Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Wirex OneVirtual + Physical · Apple Pay, Google PayARQVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Wirex One3 stablecoins · Stablecoin transfers; Pay to an external card, Bank account payoutsARQ4 stablecoins · ARQ P2P; USD ACH payout
Both cards list the same number of stablecoins and ways to send money out.
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 0.5%-8%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 2 fiat
- Payout methods
- 3 crypto · 3 fiat
64
- Cashback
- 0%-2%
- Plan cost
- $0
- FX fee
- Provider spread unknown; Argentina/Brazil variant charges may apply
- ATM fee
- 1–3%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 1 fiat
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03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsWirex One CardOverall77ARQ CardOverall64
Wirex One CardOverall77ARQ CardOverall64Scores
6 fields- Overall Score
- Wirex One Card77ARQ Card64
- Cashback score
- Wirex One Card70ARQ Card41
- Travel score
- Wirex One Card85ARQ Card62
- Funds control score
- Wirex One Card73ARQ Card52
- Lowest fees score
- Wirex One Card68ARQ Card52
- Transfers score
- Wirex One Card94ARQ Card75
Strengths & trade-offs
2 fields- Strengths
- Wirex One CardFive current card tiers, 0.5% to 8% cashback in USDARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet access
- Trade-offs
- Wirex One CardHigher tiers require WPAY exposure, Limits remain region-specificARQ CardProvider FX spread remains unclear, Headline cashback requires membership
Costs
7 fields- Plan cost
- Wirex One Card$0ARQ Card$0
- FX fee
- Wirex One Card0%ARQ CardProvider spread unknown; Argentina/Brazil variant charges may apply
- Top-up fee
- Wirex One CardNot disclosedARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EUR
- Card spending fee
- Wirex One CardNot disclosedARQ Card0%
- ATM fee
- Wirex One Card2%ARQ Card1–3%
- Virtual card
- Wirex One CardIncluded on every membership tierARQ CardFree
- Physical card
- Wirex One CardPlastic from Premium; Visa Signature Metal from PrivateARQ Card$4.99 Standard; $0 Premium
Plans
2 fields- Available plans
- Wirex One Card5 plans: Base, Premium, Elite, Private +1ARQ Card3 plans: Standard, Premium, Prestige
- Top cashback plan
- Wirex One CardBespoke: 8%ARQ CardPrestige: 2%
Everyday use
8 fields- Network
- Wirex One CardVisaARQ CardMastercard
- Card formats
- Wirex One CardVirtual, PhysicalARQ CardVirtual, Physical
- ATM withdrawals
- Wirex One CardAvailableARQ CardAvailable
- Mobile wallets
- Wirex One CardApple Pay, Google PayARQ CardApple Pay, Google Pay
- Apps
- Wirex One CardiOS, AndroidARQ CardiOS, Android
- Daily spending limit
- Wirex One CardEEA card-spend limit: €30,000/day and €30,000 per transaction; other regions are shown in appARQ CardNot disclosed
- Monthly spending limit
- Wirex One CardEEA card-spend limit: €30,000/month; other regions are shown in appARQ CardNot disclosed
- ATM limit
- Wirex One CardEEA physical/Metal ATM limit: €500/day, €5,000/month and 5 withdrawals/day; 2% above the free allowanceARQ CardNot disclosed
Funding & transfers
5 fields- Networks
- Wirex One CardNot disclosedARQ CardEthereum, Polygon, Tron
- Crypto deposits
- Wirex One CardStablecoins: USDC, USDT, EURCARQ CardStablecoins: USDC, USDT
- Fiat deposits
- Wirex One CardBank funding, External card top-upARQ CardUSD receive, EUR receive
- Transfers
- Wirex One CardStablecoin transfers; Pay to an external card, Bank account payoutsARQ CardARQ P2P; USD ACH payout
- Payout currencies
- Wirex One CardUSD, EUR, GBPARQ CardUSD
Rewards
3 fields- Base cashback
- Wirex One Card0.5%ARQ Card0%
- Max cashback
- Wirex One Card8%ARQ Card2%
- Reward currency
- Wirex One CardUSD cashbackARQ CardUSDc cashback
Earn
5 fields- Advertised APY
- Wirex One CardNot offeredARQ CardUp to 4.5% APY
- How it works
- Wirex One CardNot offeredARQ CardEarn on spending balance, Optional earn vault
- Separate deposit
- Wirex One CardNot offeredARQ CardYes
- Use balance for spending
- Wirex One CardNot offeredARQ CardNo
- Lock-up
- Wirex One CardNot offeredARQ CardNo
Trust & availability
5 fields- Custody
- Wirex One CardNon-custodialARQ CardCustodial
- Control until payment
- Wirex One CardNot disclosedARQ CardProvider controls funds
- Card issuer
- Wirex One CardTransact Payments Malta Limited, Novatti Group LimitedARQ CardNot disclosed
- Custody / key management
- Wirex One CardPrivy Technologies, Inc.ARQ CardNot disclosed
- Programme operator
- Wirex One CardUAB WirexARQ CardNot disclosed
Sources
2 fields- Official sources
- Wirex One Card36ARQ Card36
- Last reviewed
- Wirex One CardAug 12, 2026ARQ CardAug 5, 2026
04 · The takeaway
Wirex One Card is the stronger all-round choice
Wirex One Card finishes ahead with an Overall Score of 77 versus 64 for ARQ Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Wirex One Card has the higher published base cashback rate (0.5% vs 0%).
ARQ Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Wirex One Card uses a non-custodial account setup, while ARQ Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Wirex One Card and ARQ Card reviews first.
Continue with
Wirex One Card
Continue with
ARQ Card
05 · Common questions
Wirex One vs ARQ FAQ
Is Wirex One or ARQ better overall?
Wirex One Card has the higher Overall Score (77 vs 64). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Wirex One or ARQ?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Wirex One or ARQ?
Wirex One Card has the higher published base cashback rate (0.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Wirex One and ARQ differ on custody?
Wirex One Card uses a non-custodial account setup, while ARQ Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Wirex One vs ARQ comparison?
The latest information check for these two cards was August 12, 2026, using 72 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.