WirexWirex One
77
Side-by-side card comparison
Wirex One vs Coin98 Fusion: overall score versus use-case fit
Wirex One Card has the higher Overall Score by 17 points (77 vs 60). Wirex One Card looks stronger for Cashback, Travel, Funds control, and Transfers, while Coin98 Fusion Card comes out ahead for Lowest fees.
Information checked Aug 12, 202659 official sources reviewed
01 · Overall score versus use-case fit
Wirex One Card is the better all-round starting point
Wirex One Card has the higher Overall Score in this comparison. Coin98 Fusion Card may be the better fit for Lowest fees. 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 One77Coin98 Fusion60Higher score
CashbackWirex One70Coin98 Fusion17Higher score
TravelWirex One85Coin98 Fusion65Higher score
Funds controlWirex One73Coin98 Fusion64Higher score
Lowest feesWirex One68Coin98 Fusion72Higher score
TransfersWirex One94Coin98 Fusion39Higher 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 Coin98 Fusion Card if lowest fees matters most
Coin98 Fusion Card comes out ahead for Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Virtual Visa with both phone wallets
- USDC and USDT top-ups on five networks
- No monthly or annual card fee
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Wirex One77Coin98 Fusion60
Wirex One Card has the higher Overall Score by 17 points.
- Entry cost & FX
- Wirex One$0 plan · 0% FXCoin98 Fusion$0 plan · 1.7% foreign-currency conversion FX
Wirex One Card has the lower published FX fee (0% vs 1.7% foreign-currency conversion).
- Purchase rewards
- Wirex One0.5% base · up to 8%Coin98 Fusion0% cashback
Wirex One Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- Wirex OneNon-custodial accountCoin98 FusionHybrid custody
Wirex One Card uses a non-custodial account setup, while Coin98 Fusion Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Wirex OneVirtual + Physical · Apple Pay, Google PayCoin98 FusionVirtual · Apple Pay, Google 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 payoutsCoin98 Fusion2 stablecoins · Not modeled
Wirex One Card lists more stablecoins and ways to send money out (6 vs 2).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- 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%
- Plan cost
- $0
- FX fee
- 1.7% foreign-currency conversion
- ATM fee
- 1% or SGD 5, whichever is higher, plus any ATM-operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
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03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsWirex One CardOverall77Coin98 Fusion CardOverall60
Wirex One CardOverall77Coin98 Fusion CardOverall60Scores
6 fields- Overall Score
- Wirex One Card77Coin98 Fusion Card60
- Cashback score
- Wirex One Card70Coin98 Fusion Card17
- Travel score
- Wirex One Card85Coin98 Fusion Card65
- Funds control score
- Wirex One Card73Coin98 Fusion Card64
- Lowest fees score
- Wirex One Card68Coin98 Fusion Card72
- Transfers score
- Wirex One Card94Coin98 Fusion Card39
Strengths & trade-offs
2 fields- Strengths
- Wirex One CardFive current card tiers, 0.5% to 8% cashback in USDCoin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networks
- Trade-offs
- Wirex One CardHigher tiers require WPAY exposure, Limits remain region-specificCoin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees apply
Costs
7 fields- Plan cost
- Wirex One Card$0Coin98 Fusion Card$0
- FX fee
- Wirex One Card0%Coin98 Fusion Card1.7% foreign-currency conversion
- Top-up fee
- Wirex One CardNot disclosedCoin98 Fusion Card1%
- Card spending fee
- Wirex One CardNot disclosedCoin98 Fusion CardNot disclosed
- ATM fee
- Wirex One Card2%Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surcharge
- Virtual card
- Wirex One CardIncluded on every membership tierCoin98 Fusion CardUSD 9 issuance/activation fee
- Physical card
- Wirex One CardPlastic from Premium; Visa Signature Metal from PrivateCoin98 Fusion CardNot applicable while the physical card is under development
Plans
2 fields- Available plans
- Wirex One Card5 plans: Base, Premium, Elite, Private +1Coin98 Fusion CardNot disclosed
- Top cashback plan
- Wirex One CardBespoke: 8%Coin98 Fusion CardNot disclosed
Everyday use
8 fields- Network
- Wirex One CardVisaCoin98 Fusion CardVisa
- Card formats
- Wirex One CardVirtual, PhysicalCoin98 Fusion CardVirtual
- ATM withdrawals
- Wirex One CardAvailableCoin98 Fusion CardAvailable
- Mobile wallets
- Wirex One CardApple Pay, Google PayCoin98 Fusion CardApple Pay, Google Pay
- Apps
- Wirex One CardiOS, AndroidCoin98 Fusion CardiOS, Android
- Daily spending limit
- Wirex One CardEEA card-spend limit: €30,000/day and €30,000 per transaction; other regions are shown in appCoin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limit
- Monthly spending limit
- Wirex One CardEEA card-spend limit: €30,000/month; other regions are shown in appCoin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limit
- ATM limit
- Wirex One CardEEA physical/Metal ATM limit: €500/day, €5,000/month and 5 withdrawals/day; 2% above the free allowanceCoin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclear
Funding & transfers
5 fields- Networks
- Wirex One CardNot disclosedCoin98 Fusion CardEthereum, Solana, Polygon, Base, Tron
- Crypto deposits
- Wirex One CardStablecoins: USDC, USDT, EURCCoin98 Fusion CardStablecoins: USDC, USDT
- Fiat deposits
- Wirex One CardBank funding, External card top-upCoin98 Fusion CardNot disclosed
- Transfers
- Wirex One CardStablecoin transfers; Pay to an external card, Bank account payoutsCoin98 Fusion CardNot disclosed
- Payout currencies
- Wirex One CardUSD, EUR, GBPCoin98 Fusion CardNot disclosed
Rewards
3 fields- Base cashback
- Wirex One Card0.5%Coin98 Fusion Card0%
- Max cashback
- Wirex One Card8%Coin98 Fusion Card0%
- Reward currency
- Wirex One CardUSD cashbackCoin98 Fusion CardNot applicable
Earn
5 fields- Advertised APY
- Wirex One CardNot offeredCoin98 Fusion CardNot offered
- How it works
- Wirex One CardNot offeredCoin98 Fusion CardNot offered
- Separate deposit
- Wirex One CardNot offeredCoin98 Fusion CardNot offered
- Use balance for spending
- Wirex One CardNot offeredCoin98 Fusion CardNot offered
- Lock-up
- Wirex One CardNot offeredCoin98 Fusion CardNot offered
Trust & availability
5 fields- Custody
- Wirex One CardNon-custodialCoin98 Fusion CardHybrid custody
- Control until payment
- Wirex One CardNot disclosedCoin98 Fusion CardProvider controls funds
- Card issuer
- Wirex One CardTransact Payments Malta Limited, Novatti Group LimitedCoin98 Fusion CardDCS Card Centre Pte. Ltd.
- Custody / key management
- Wirex One CardPrivy Technologies, Inc.Coin98 Fusion CardNot disclosed
- Programme operator
- Wirex One CardUAB WirexCoin98 Fusion CardNot disclosed
Sources
2 fields- Official sources
- Wirex One Card36Coin98 Fusion Card23
- Last reviewed
- Wirex One CardAug 12, 2026Coin98 Fusion CardAug 5, 2026
04 · The trade-off
Wirex One Card is the stronger all-round choice
Wirex One Card finishes ahead with an Overall Score of 77 versus 60 for Coin98 Fusion Card. Wirex One Card has the lower published FX fee (0% vs 1.7% foreign-currency conversion). Wirex One Card has the higher published base cashback rate (0.5% vs 0%).
Coin98 Fusion Card still comes out ahead for Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Wirex One Card uses a non-custodial account setup, while Coin98 Fusion Card uses a hybrid custody 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 2). 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 Coin98 Fusion Card reviews first.
Continue with
Wirex One Card
Continue with
Coin98 Fusion Card
05 · Common questions
Wirex One vs Coin98 Fusion FAQ
Is Wirex One or Coin98 Fusion better overall?
Wirex One Card has the higher Overall Score (77 vs 60). 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 Coin98 Fusion?
Wirex One Card has the lower published FX fee (0% vs 1.7% foreign-currency conversion). 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 Coin98 Fusion?
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 Coin98 Fusion differ on custody?
Wirex One Card uses a non-custodial account setup, while Coin98 Fusion Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Wirex One vs Coin98 Fusion comparison?
The latest information check for these two cards was August 12, 2026, using 59 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.