WirexWirex One
77
Side-by-side card comparison
Wirex One vs Brighty: fees, rewards and account setup
Wirex One Card has the higher Overall Score by 7 points (77 vs 70). Wirex One Card also looks stronger for Cashback, Travel, Funds control, and Transfers. The details below show where Brighty Card may still be the better personal fit.
Information checked Aug 16, 202661 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. Brighty 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 One77Brighty70Higher score
CashbackWirex One70Brighty48Higher score
TravelWirex One85Brighty80Higher score
Funds controlWirex One73Brighty65Higher score
Lowest feesWirex One68Brighty68Same score
TransfersWirex One94Brighty93Higher score
Choose Wirex One Card if cashback and travel matter most
Wirex One Card comes out ahead for Cashback, Travel, Funds control, 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 Brighty Card if its day-to-day setup suits you
Brighty 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, and Transfers, so compare that advantage with the features you would actually use.
- Free entry plan
- USDC cashback
- Multiple account rails
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 One77Brighty70
Wirex One Card has the higher Overall Score by 7 points.
- Entry cost & FX
- Wirex One$0 plan · 0% FXBrighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FX
Wirex One Card has the lower published FX fee (0% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources).
- Purchase rewards
- Wirex One0.5% base · up to 8%Brighty0.5% base · up to 1.75%
Both cards show the same base cashback rate of 0.5%.
- Funds control
- Wirex OneNon-custodial accountBrightyCustodial balance
Wirex One Card uses a non-custodial account setup, while Brighty 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 PayBrightyVirtual + Physical · Apple Pay
Wirex One Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Wirex One3 stablecoins · Stablecoin transfers; Pay to an external card, Bank account payoutsBrighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
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
- 0.5%-1.8%
- Plan cost
- $0
- FX fee
- Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 16 crypto · 4 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 CardOverall77Brighty CardOverall70
Wirex One CardOverall77Brighty CardOverall70Scores
6 fields- Overall Score
- Wirex One Card77Brighty Card70
- Cashback score
- Wirex One Card70Brighty Card48
- Travel score
- Wirex One Card85Brighty Card80
- Funds control score
- Wirex One Card73Brighty Card65
- Lowest fees score
- Wirex One Card68Brighty Card68
- Transfers score
- Wirex One Card94Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- Wirex One CardFive current card tiers, 0.5% to 8% cashback in USDBrighty CardFree entry plan, USDC cashback
- Trade-offs
- Wirex One CardHigher tiers require WPAY exposure, Limits remain region-specificBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- Wirex One Card$0Brighty Card$0
- FX fee
- Wirex One Card0%Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- Wirex One CardNot disclosedBrighty Card0%
- Card spending fee
- Wirex One CardNot disclosedBrighty CardNot disclosed
- ATM fee
- Wirex One Card2%Brighty CardNot disclosed
- Virtual card
- Wirex One CardIncluded on every membership tierBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- Wirex One CardPlastic from Premium; Visa Signature Metal from PrivateBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- Wirex One Card5 plans: Base, Premium, Elite, Private +1Brighty Card3 plans: One, Plus, Pro
- Top cashback plan
- Wirex One CardBespoke: 8%Brighty CardOne: 0.5%
Everyday use
8 fields- Network
- Wirex One CardVisaBrighty CardVisa/Mastercard
- Card formats
- Wirex One CardVirtual, PhysicalBrighty CardVirtual, Physical
- ATM withdrawals
- Wirex One CardAvailableBrighty CardAvailable
- Mobile wallets
- Wirex One CardApple Pay, Google PayBrighty CardApple Pay
- Apps
- Wirex One CardiOS, AndroidBrighty CardiOS, Android
- Daily spending limit
- Wirex One CardEEA card-spend limit: €30,000/day and €30,000 per transaction; other regions are shown in appBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- Wirex One CardEEA card-spend limit: €30,000/month; other regions are shown in appBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- Wirex One CardEEA physical/Metal ATM limit: €500/day, €5,000/month and 5 withdrawals/day; 2% above the free allowanceBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- Wirex One CardNot disclosedBrighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- Wirex One CardStablecoins: USDC, USDT, EURCBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- Wirex One CardBank funding, External card top-upBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- Wirex One CardStablecoin transfers; Pay to an external card, Bank account payoutsBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- Wirex One CardUSD, EUR, GBPBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- Wirex One Card0.5%Brighty Card0.5%
- Max cashback
- Wirex One Card8%Brighty Card1.8%
- Reward currency
- Wirex One CardUSD cashbackBrighty CardUSDC
Earn
5 fields- Advertised APY
- Wirex One CardNot offeredBrighty CardNot disclosed
- How it works
- Wirex One CardNot offeredBrighty CardEarn on spending balance
- Separate deposit
- Wirex One CardNot offeredBrighty CardNo
- Use balance for spending
- Wirex One CardNot offeredBrighty CardYes
- Lock-up
- Wirex One CardNot offeredBrighty CardNo
Trust & availability
6 fields- Custody
- Wirex One CardNon-custodialBrighty CardCustodial
- Control until payment
- Wirex One CardNot disclosedBrighty CardProvider controls funds
- Card issuer
- Wirex One CardTransact Payments Malta Limited, Novatti Group LimitedBrighty CardWallester AS
- Custody / key management
- Wirex One CardPrivy Technologies, Inc.Brighty CardFireblocks
- Identity verification
- Wirex One CardNot disclosedBrighty CardSumsub
- Programme operator
- Wirex One CardUAB WirexBrighty CardNot disclosed
Sources
2 fields- Official sources
- Wirex One Card36Brighty Card25
- Last reviewed
- Wirex One CardAug 12, 2026Brighty CardAug 16, 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 70 for Brighty Card. Wirex One Card has the lower published FX fee (0% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). Both cards show the same base cashback rate of 0.5%.
Brighty 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 Brighty 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 Brighty Card reviews first.
Continue with
Wirex One Card
Continue with
Brighty Card
05 · Common questions
Wirex One vs Brighty FAQ
Is Wirex One or Brighty better overall?
Wirex One Card has the higher Overall Score (77 vs 70). 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 Brighty?
Wirex One Card has the lower published FX fee (0% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). 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 Brighty?
Both cards show the same base cashback rate of 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 Brighty differ on custody?
Wirex One Card uses a non-custodial account setup, while Brighty 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 Brighty comparison?
The latest information check for these two cards was August 16, 2026, using 61 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.