WirexWirex One
77
Side-by-side card comparison
Wirex One vs Binance: fees, rewards and account setup
Wirex One Card has the higher Overall Score by 19 points (77 vs 58). Wirex One Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Binance Card may still be the better personal fit.
Information checked Aug 12, 202648 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. Binance 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 One77Binance58Higher score
CashbackWirex One70Binance37Higher score
TravelWirex One85Binance36Higher score
Funds controlWirex One73Binance47Higher score
Lowest feesWirex One68Binance56Higher score
TransfersWirex One94Binance75Higher 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 Binance Card if its day-to-day setup suits you
Binance 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.
- Spend supported Binance crypto balances
- Google Pay support
- Cashback can rise by tier
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 One77Binance58
Wirex One Card has the higher Overall Score by 19 points.
- Entry cost & FX
- Wirex One$0 plan · 0% FXBinance$0 plan · 2–3% FX
Wirex One Card has the lower published FX fee (0% vs 2–3%).
- Purchase rewards
- Wirex One0.5% base · up to 8%Binance1.5% base · up to 3%
Binance Card has the higher published base cashback rate (1.5% vs 0.5%).
- Funds control
- Wirex OneNon-custodial accountBinanceCustodial balance
Wirex One Card uses a non-custodial account setup, while Binance 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 PayBinanceVirtual · Google Pay
Wirex One Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Wirex One3 stablecoins · Stablecoin transfers; Pay to an external card, Bank account payoutsBinance3 stablecoins · Stablecoin transfers; Binance account fiat withdrawal
Wirex One Card lists more stablecoins and ways to send money out (6 vs 5).
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
- Cashback
- 1.5%-3%
- Plan cost
- $0
- FX fee
- 2–3%
- ATM fee
- Not disclosed
- Card formats
- Virtual
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 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 CardOverall77Binance CardOverall58
Wirex One CardOverall77Binance CardOverall58Scores
6 fields- Overall Score
- Wirex One Card77Binance Card58
- Cashback score
- Wirex One Card70Binance Card37
- Travel score
- Wirex One Card85Binance Card36
- Funds control score
- Wirex One Card73Binance Card47
- Lowest fees score
- Wirex One Card68Binance Card56
- Transfers score
- Wirex One Card94Binance Card75
Strengths & trade-offs
2 fields- Strengths
- Wirex One CardFive current card tiers, 0.5% to 8% cashback in USDBinance CardSpend supported Binance crypto balances, Google Pay support
- Trade-offs
- Wirex One CardHigher tiers require WPAY exposure, Limits remain region-specificBinance CardSpending follows the Binance account model, Virtual-only card
Costs
7 fields- Plan cost
- Wirex One Card$0Binance Card$0
- FX fee
- Wirex One Card0%Binance Card2–3%
- Top-up fee
- Wirex One CardNot disclosedBinance CardNot disclosed
- Card spending fee
- Wirex One CardNot disclosedBinance CardNot disclosed
- ATM fee
- Wirex One Card2%Binance CardNot disclosed
- Virtual card
- Wirex One CardIncluded on every membership tierBinance CardVirtual card up to 15 minutes after approval; 0 USD issuance fee
- Physical card
- Wirex One CardPlastic from Premium; Visa Signature Metal from PrivateBinance CardGlobal Program virtual-only; Brazil physical card is a separate regional branch
Plans
2 fields- Available plans
- Wirex One Card5 plans: Base, Premium, Elite, Private +1Binance Card3 plans: Tier 1, Tier 2, Tier 3
- Top cashback plan
- Wirex One CardBespoke: 8%Binance CardTier 3: 3%
Everyday use
8 fields- Network
- Wirex One CardVisaBinance CardMastercard
- Card formats
- Wirex One CardVirtual, PhysicalBinance CardVirtual
- ATM withdrawals
- Wirex One CardAvailableBinance CardNot disclosed
- Mobile wallets
- Wirex One CardApple Pay, Google PayBinance CardGoogle Pay
- Apps
- Wirex One CardiOS, AndroidBinance CardiOS, Android
- Daily spending limit
- Wirex One CardEEA card-spend limit: €30,000/day and €30,000 per transaction; other regions are shown in appBinance CardShown in app
- Monthly spending limit
- Wirex One CardEEA card-spend limit: €30,000/month; other regions are shown in appBinance CardShown in app
- ATM limit
- Wirex One CardEEA physical/Metal ATM limit: €500/day, €5,000/month and 5 withdrawals/day; 2% above the free allowanceBinance CardNot disclosed
Funding & transfers
5 fields- Networks
- Wirex One CardNot disclosedBinance CardNot disclosed
- Crypto deposits
- Wirex One CardStablecoins: USDC, USDT, EURCBinance CardOther crypto: Supported crypto
- Fiat deposits
- Wirex One CardBank funding, External card top-upBinance CardBinance account bank deposit
- Transfers
- Wirex One CardStablecoin transfers; Pay to an external card, Bank account payoutsBinance CardStablecoin transfers; Binance account fiat withdrawal
- Payout currencies
- Wirex One CardUSD, EUR, GBPBinance CardNot disclosed
Rewards
3 fields- Base cashback
- Wirex One Card0.5%Binance Card1.5%
- Max cashback
- Wirex One Card8%Binance Card3%
- Reward currency
- Wirex One CardUSD cashbackBinance CardUSDC or BTC equivalent cashback (country-dependent)
Earn
5 fields- Advertised APY
- Wirex One CardNot offeredBinance CardNot offered
- How it works
- Wirex One CardNot offeredBinance CardNot offered
- Separate deposit
- Wirex One CardNot offeredBinance CardNot offered
- Use balance for spending
- Wirex One CardNot offeredBinance CardNot offered
- Lock-up
- Wirex One CardNot offeredBinance CardNot offered
Trust & availability
5 fields- Custody
- Wirex One CardNon-custodialBinance CardCustodial
- Control until payment
- Wirex One CardNot disclosedBinance CardProvider controls funds
- Card issuer
- Wirex One CardTransact Payments Malta Limited, Novatti Group LimitedBinance CardImmersve Limited
- Custody / key management
- Wirex One CardPrivy Technologies, Inc.Binance CardNot disclosed
- Programme operator
- Wirex One CardUAB WirexBinance CardNot disclosed
Sources
2 fields- Official sources
- Wirex One Card36Binance Card12
- Last reviewed
- Wirex One CardAug 12, 2026Binance 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 58 for Binance Card. Wirex One Card has the lower published FX fee (0% vs 2–3%). Binance Card has the higher published base cashback rate (1.5% vs 0.5%).
Binance 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 Binance Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Wirex One Card lists more stablecoins and ways to send money out (6 vs 5). 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 Binance Card reviews first.
Continue with
Wirex One Card
Continue with
Binance Card
05 · Common questions
Wirex One vs Binance FAQ
Is Wirex One or Binance better overall?
Wirex One Card has the higher Overall Score (77 vs 58). 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 Binance?
Wirex One Card has the lower published FX fee (0% vs 2–3%). 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 Binance?
Binance Card has the higher published base cashback rate (1.5% vs 0.5%). 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 Binance differ on custody?
Wirex One Card uses a non-custodial account setup, while Binance 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 Binance comparison?
The latest information check for these two cards was August 12, 2026, using 48 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.