WirexWirex One
77
Side-by-side card comparison
Wirex One vs Decaf
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 Decaf Card may still be the better personal fit.
Latest check Oct 19, 202657 official sources reviewed
Wirex One Card
Best fit
- Foreign purchases with no Wirex FX markup; network conversion still applies.
- Qualifying for reward tiers with liquid WPAY holdings instead of a lockup.
- Combining stablecoin transfers, bank payouts and Visa spending in one app.
Before you choose
- The 8% tier needs $50,000 in assets, with at least 10% held in WPAY.
- Base cashback redemption is capped at $25/month; higher tiers raise the limit.
- The wallet is self-custodial, but card access still depends on regional partners.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
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Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsWirex One CardOverall77Decaf CardOverall64
Wirex One CardOverall77Decaf CardOverall64Scores
- Overall Score
- Wirex One Card77Decaf Card64
- Cashback score
- Wirex One Card70Decaf Card29
- Travel score
- Wirex One Card85Decaf Card60
- Funds control score
- Wirex One Card73Decaf Card63
- Lowest fees score
- Wirex One Card68Decaf Card57
- Transfers score
- Wirex One Card94Decaf Card70
Costs
- Plan cost
- Wirex One Card$0Decaf Card$0
- FX fee
- Wirex One Card0%Decaf Card1–2%
- Top-up fee
- Wirex One CardNot disclosedDecaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Wirex One CardNot disclosedDecaf CardNot disclosed
- ATM fee
- Wirex One Card2%Decaf Card0% Decaf markup
- Virtual card
- Wirex One CardIncluded on every membership tierDecaf Card$5
- Physical card
- Wirex One CardPlastic from Premium; Visa Signature Metal from PrivateDecaf Card$90 international / $10 US
Plans
- Available plans
- Wirex One Card5 plans: Base, Premium, Elite, Private +1Decaf CardNot disclosed
- Top cashback plan
- Wirex One CardBespoke: 8%Decaf CardNot disclosed
Everyday use
- Network
- Wirex One CardVisaDecaf CardVisa
- Card formats
- Wirex One CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- Wirex One CardAvailableDecaf CardNot disclosed
- Mobile wallets
- Wirex One CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Wirex One CardiOS, AndroidDecaf CardiOS, Android, Web
- Daily spending limit
- Wirex One CardEEA card-spend limit: €30,000/day and €30,000 per transaction; other regions are shown in appDecaf CardNot disclosed
- Monthly spending limit
- Wirex One CardEEA card-spend limit: €30,000/month; other regions are shown in appDecaf CardNot disclosed
- ATM limit
- Wirex One CardEEA physical/Metal ATM limit: €500/day, €5,000/month and 5 withdrawals/day; 2% above the free allowanceDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Wirex One CardNot disclosedDecaf CardSolana, Stellar
- Crypto deposits
- Wirex One CardStablecoins: USDC, USDT, EURCDecaf CardStablecoins: USDC
- Fiat deposits
- Wirex One CardBank funding, External card top-upDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Wirex One CardStablecoin transfers; Pay to an external card, Bank account payoutsDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Wirex One CardUSD, EUR, GBPDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Wirex One Card0.5%Decaf CardNot disclosed
- Max cashback
- Wirex One Card8%Decaf CardNot disclosed
- Reward currency
- Wirex One CardUSD cashbackDecaf CardNot disclosed
Earn
- Advertised APY
- Wirex One CardNot offeredDecaf CardNot disclosed
- How it works
- Wirex One CardNot offeredDecaf CardOptional earn vault
- Separate deposit
- Wirex One CardNot offeredDecaf CardYes
- Use balance for spending
- Wirex One CardNot offeredDecaf CardNot disclosed
- Lock-up
- Wirex One CardNot offeredDecaf CardNot disclosed
Trust & availability
- Custody
- Wirex One CardNon-custodialDecaf CardNon-custodial
- Control until payment
- Wirex One CardNot disclosedDecaf CardNot disclosed
- Card issuer
- Wirex One CardTransact Payments Malta Limited, Novatti Group LimitedDecaf CardThird National, Inc.
- Card processing
- Wirex One CardNot disclosedDecaf CardRain
- Custody / key management
- Wirex One CardPrivy Technologies, Inc.Decaf CardNot disclosed
- Deposits & withdrawals
- Wirex One CardNot disclosedDecaf CardMoneyGram
- Programme operator
- Wirex One CardUAB WirexDecaf CardNot disclosed
Sources
- Official sources
- Wirex One Card36Decaf Card21
- Last reviewed
- Wirex One CardAug 12, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Wirex One or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, Wirex One lists 0%, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Sending money to a bank
For bank payouts, Wirex One has reviewed routes in EUR, GBP, USD; Decaf has routes in ARS, BRL, COP, EUR and other currencies. Choose the route for your destination currency and check its country coverage and fee.
Using the crypto you already hold
Wirex One's reviewed deposit assets include EURC, USDT; Decaf's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
Wirex One vs Decaf FAQ
Is Wirex One or Decaf 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 Decaf?
Wirex One Card has the lower published FX fee (0% vs 1–2%). 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 Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. 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 Decaf differ on custody?
Wirex One Card and Decaf Card use the same non-custodial account setup.
How current is this Wirex One vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 57 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.