WirexWirex One
77
Side-by-side card comparison
Wirex One vs ether.fi Cash: overall score versus use-case fit
ether.fi Cash Card has the higher Overall Score by 10 points (87 vs 77). Wirex One Card looks stronger for Travel, while ether.fi Cash Card comes out ahead for Cashback, Funds control, Lowest fees, and Transfers.
Information checked Aug 25, 202655 official sources reviewed
01 · Overall score versus use-case fit
ether.fi Cash Card is the better all-round starting point
ether.fi Cash Card has the higher Overall Score in this comparison. Wirex One Card may be the better fit for Travel. 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 One77ether.fi Cash87Higher score
CashbackWirex One70ether.fi Cash86Higher score
TravelWirex One85ether.fi Cash84Higher score
Funds controlWirex One73ether.fi Cash96Higher score
Lowest feesWirex One68ether.fi Cash69Higher score
TransfersWirex One94ether.fi Cash97Higher score
Choose Wirex One Card if travel matters most
Wirex One Card comes out ahead for Travel 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 ether.fi Cash Card if cashback and funds control matter most
ether.fi Cash Card comes out ahead for Cashback, 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.
- Card spend plus cash-account rails
- Liquid USD can stay spendable
- Tiers make perks easier to compare
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 One77ether.fi Cash87
ether.fi Cash Card has the higher Overall Score by 10 points.
- Entry cost & FX
- Wirex One$0 plan · 0% FXether.fi Cash$0 plan · 0–0.2% FX
Wirex One Card has the lower published FX fee (0% vs 0–0.2%).
- Purchase rewards
- Wirex One0.5% base · up to 8%ether.fi Cash3% cashback
ether.fi Cash Card has the higher published base cashback rate (3% vs 0.5%).
- Funds control
- Wirex OneNon-custodial accountether.fi CashNon-custodial account
Wirex One Card and ether.fi Cash Card use the same non-custodial account setup.
- Everyday access
- Wirex OneVirtual + Physical · Apple Pay, Google Payether.fi CashVirtual + 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 payoutsether.fi Cash6 stablecoins · Stablecoin transfers; EUR SEPA payout, USD ACH / FedWire payout
ether.fi Cash Card lists more stablecoins and ways to send money out (9 vs 6).
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
- 3%
- Plan cost
- $0
- FX fee
- 0–0.2%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 19 crypto · 2 fiat
- Payout methods
- 5 crypto · 2 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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 CardOverall77ether.fi Cash CardOverall87
Wirex One CardOverall77ether.fi Cash CardOverall87Scores
6 fields- Overall Score
- Wirex One Card77ether.fi Cash Card87
- Cashback score
- Wirex One Card70ether.fi Cash Card86
- Travel score
- Wirex One Card85ether.fi Cash Card84
- Funds control score
- Wirex One Card73ether.fi Cash Card96
- Lowest fees score
- Wirex One Card68ether.fi Cash Card69
- Transfers score
- Wirex One Card94ether.fi Cash Card97
Strengths & trade-offs
2 fields- Strengths
- Wirex One CardFive current card tiers, 0.5% to 8% cashback in USDether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendable
- Trade-offs
- Wirex One CardHigher tiers require WPAY exposure, Limits remain region-specificether.fi Cash CardVault returns depend on the selected strategy, Credit setup is more complex than a prepaid card
Costs
7 fields- Plan cost
- Wirex One Card$0ether.fi Cash Card$0
- FX fee
- Wirex One Card0%ether.fi Cash Card0–0.2%
- Top-up fee
- Wirex One CardNot disclosedether.fi Cash CardNot disclosed
- Card spending fee
- Wirex One CardNot disclosedether.fi Cash CardNot disclosed
- ATM fee
- Wirex One Card2%ether.fi Cash Card2%
- Virtual card
- Wirex One CardIncluded on every membership tierether.fi Cash CardUp to 50 free virtual cards by tier
- Physical card
- Wirex One CardPlastic from Premium; Visa Signature Metal from Privateether.fi Cash CardCore: $50 including card and shipping; Luxe, Pinnacle and VIP include at least one free physical card
Plans
2 fields- Available plans
- Wirex One Card5 plans: Base, Premium, Elite, Private +1ether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIP
- Top cashback plan
- Wirex One CardBespoke: 8%ether.fi Cash CardCore: 3%
Everyday use
8 fields- Network
- Wirex One CardVisaether.fi Cash CardVisa
- Card formats
- Wirex One CardVirtual, Physicalether.fi Cash CardVirtual, Physical
- ATM withdrawals
- Wirex One CardAvailableether.fi Cash CardAvailable
- Mobile wallets
- Wirex One CardApple Pay, Google Payether.fi Cash CardApple Pay, Google Pay
- Apps
- Wirex One CardiOS, Androidether.fi Cash 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 appether.fi Cash CardCore $30,000/day; Luxe $50,000/day; Pinnacle $100,000/day
- Monthly spending limit
- Wirex One CardEEA card-spend limit: €30,000/month; other regions are shown in appether.fi Cash CardMonthly limit shown in app; cashback caps vary by plan
- ATM limit
- Wirex One CardEEA physical/Metal ATM limit: €500/day, €5,000/month and 5 withdrawals/day; 2% above the free allowanceether.fi Cash Card$250/withdrawal; $750/day
Funding & transfers
5 fields- Networks
- Wirex One CardNot disclosedether.fi Cash CardOptimism
- Crypto deposits
- Wirex One CardStablecoins: USDC, USDT, EURCether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, eUSD, LiquidBTC +9
- Fiat deposits
- Wirex One CardBank funding, External card top-upether.fi Cash CardUSD ACH / FedWire receive, EUR SEPA receive
- Transfers
- Wirex One CardStablecoin transfers; Pay to an external card, Bank account payoutsether.fi Cash CardStablecoin transfers; EUR SEPA payout, USD ACH / FedWire payout
- Payout currencies
- Wirex One CardUSD, EUR, GBPether.fi Cash CardEUR, USD
Rewards
3 fields- Base cashback
- Wirex One Card0.5%ether.fi Cash Card3%
- Max cashback
- Wirex One Card8%ether.fi Cash Card3%
- Reward currency
- Wirex One CardUSD cashbackether.fi Cash CardUSD cashback paid in USDC
Earn
5 fields- Advertised APY
- Wirex One CardNot offeredether.fi Cash CardUp to 5.02% APY
- How it works
- Wirex One CardNot offeredether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vault
- Separate deposit
- Wirex One CardNot offeredether.fi Cash CardNot disclosed
- Use balance for spending
- Wirex One CardNot offeredether.fi Cash CardNot disclosed
- Lock-up
- Wirex One CardNot offeredether.fi Cash CardNot disclosed
Trust & availability
6 fields- Custody
- Wirex One CardNon-custodialether.fi Cash CardNon-custodial
- Control until payment
- Wirex One CardNot disclosedether.fi Cash CardYou keep control
- Card issuer
- Wirex One CardTransact Payments Malta Limited, Novatti Group Limitedether.fi Cash CardThird National
- Custody / key management
- Wirex One CardPrivy Technologies, Inc.ether.fi Cash CardNot disclosed
- Deposits & withdrawals
- Wirex One CardNot disclosedether.fi Cash CardSEPA third-party provider
- Programme operator
- Wirex One CardUAB Wirexether.fi Cash Cardether.fi, Ether.Fi SEZC
Sources
2 fields- Official sources
- Wirex One Card36ether.fi Cash Card19
- Last reviewed
- Wirex One CardAug 12, 2026ether.fi Cash CardAug 25, 2026
04 · The trade-off
ether.fi Cash Card is the stronger all-round choice
ether.fi Cash Card finishes ahead with an Overall Score of 87 versus 77 for Wirex One Card. Wirex One Card has the lower published FX fee (0% vs 0–0.2%). ether.fi Cash Card has the higher published base cashback rate (3% vs 0.5%).
Wirex One Card still comes out ahead for Travel, which may matter more than the overall result if that is how you plan to use the card. Wirex One Card and ether.fi Cash Card use the same non-custodial account setup.
ether.fi Cash Card lists more stablecoins and ways to send money out (9 vs 6). 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 ether.fi Cash Card reviews first.
Continue with
Wirex One Card
Continue with
ether.fi Cash Card
05 · Common questions
Wirex One vs ether.fi Cash FAQ
Is Wirex One or ether.fi Cash better overall?
ether.fi Cash Card has the higher Overall Score (87 vs 77). 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 ether.fi Cash?
Wirex One Card has the lower published FX fee (0% vs 0–0.2%). 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 ether.fi Cash?
ether.fi Cash Card has the higher published base cashback rate (3% 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 ether.fi Cash differ on custody?
Wirex One Card and ether.fi Cash Card use the same non-custodial account setup.
How current is this Wirex One vs ether.fi Cash comparison?
The latest information check for these two cards was August 25, 2026, using 55 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.