WirexWirex One
77
Side-by-side card comparison
Wirex One vs Exa: overall score versus use-case fit
Wirex One Card has the higher Overall Score by 11 points (77 vs 66). Wirex One Card looks stronger for Cashback, Travel, and Lowest fees, while Exa Card comes out ahead for Funds control and Transfers.
Information checked Aug 23, 202667 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. Exa Card may be the better fit for Funds control and Transfers. 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 One77Exa66Higher score
CashbackWirex One70Exa19Higher score
TravelWirex One85Exa61Higher score
Funds controlWirex One73Exa88Higher score
Lowest feesWirex One68Exa67Higher score
TransfersWirex One94Exa97Higher score
Choose Wirex One Card if cashback and travel matter most
Wirex One Card comes out ahead for Cashback, Travel, and Lowest fees 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 Exa Card if funds control and transfers matter most
Exa Card comes out ahead for 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.
- Deposited assets can earn yield
- Spend balance or borrow USDC
- Self-custody on Exactly Protocol
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 One77Exa66
Wirex One Card has the higher Overall Score by 11 points.
- Entry cost & FX
- Wirex One$0 plan · 0% FXExa$0 plan · 1.5% FX
Wirex One Card has the lower published FX fee (0% vs 1.5%).
- Purchase rewards
- Wirex One0.5% base · up to 8%Exa0% cashback
Wirex One Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- Wirex OneNon-custodial accountExaSelf-controlled wallet
Wirex One Card uses a non-custodial account setup, while Exa Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Wirex OneVirtual + Physical · Apple Pay, Google PayExaVirtual · 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 payoutsExa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank 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 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
66
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.5%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 4 fiat
- Payout methods
- 1 crypto · 2 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 CardOverall77Exa CardOverall66
Wirex One CardOverall77Exa CardOverall66Scores
6 fields- Overall Score
- Wirex One Card77Exa Card66
- Cashback score
- Wirex One Card70Exa Card19
- Travel score
- Wirex One Card85Exa Card61
- Funds control score
- Wirex One Card73Exa Card88
- Lowest fees score
- Wirex One Card68Exa Card67
- Transfers score
- Wirex One Card94Exa Card97
Strengths & trade-offs
2 fields- Strengths
- Wirex One CardFive current card tiers, 0.5% to 8% cashback in USDExa CardDeposited assets can earn yield, Spend balance or borrow USDC
- Trade-offs
- Wirex One CardHigher tiers require WPAY exposure, Limits remain region-specificExa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacy
Costs
7 fields- Plan cost
- Wirex One Card$0Exa Card$0
- FX fee
- Wirex One Card0%Exa Card1.5%
- Top-up fee
- Wirex One CardNot disclosedExa Card1%
- Card spending fee
- Wirex One CardNot disclosedExa CardNot disclosed
- ATM fee
- Wirex One Card2%Exa Card$1 + 0.65%
- Virtual card
- Wirex One CardIncluded on every membership tierExa CardFree with Exa Wallet
- Physical card
- Wirex One CardPlastic from Premium; Visa Signature Metal from PrivateExa CardNot available
Plans
2 fields- Available plans
- Wirex One Card5 plans: Base, Premium, Elite, Private +1Exa CardNot disclosed
- Top cashback plan
- Wirex One CardBespoke: 8%Exa CardNot disclosed
Everyday use
8 fields- Network
- Wirex One CardVisaExa CardVisa
- Card formats
- Wirex One CardVirtual, PhysicalExa CardVirtual
- ATM withdrawals
- Wirex One CardAvailableExa CardAvailable
- Mobile wallets
- Wirex One CardApple Pay, Google PayExa CardApple Pay, Google Pay
- Apps
- Wirex One CardiOS, AndroidExa 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 appExa CardDynamic / collateral-based; exact Exa App limit shown in app
- Monthly spending limit
- Wirex One CardEEA card-spend limit: €30,000/month; other regions are shown in appExa CardDynamic / collateral-based; exact Exa App limit shown in app
- ATM limit
- Wirex One CardEEA physical/Metal ATM limit: €500/day, €5,000/month and 5 withdrawals/day; 2% above the free allowanceExa Card$250/withdrawal; $1000/day
Funding & transfers
5 fields- Networks
- Wirex One CardNot disclosedExa CardOptimism
- Crypto deposits
- Wirex One CardStablecoins: USDC, USDT, EURCExa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETH
- Fiat deposits
- Wirex One CardBank funding, External card top-upExa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency deposit
- Transfers
- Wirex One CardStablecoin transfers; Pay to an external card, Bank account payoutsExa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
- Payout currencies
- Wirex One CardUSD, EUR, GBPExa CardUSD, EUR
Rewards
3 fields- Base cashback
- Wirex One Card0.5%Exa Card0%
- Max cashback
- Wirex One Card8%Exa Card0%
- Reward currency
- Wirex One CardUSD cashbackExa CardNo cashback
Earn
5 fields- Advertised APY
- Wirex One CardNot offeredExa CardUp to 0.99776% APY
- How it works
- Wirex One CardNot offeredExa CardEarn on spending balance, Borrow against collateral
- Separate deposit
- Wirex One CardNot offeredExa CardNo
- Use balance for spending
- Wirex One CardNot offeredExa CardYes
- Lock-up
- Wirex One CardNot offeredExa CardNo
Trust & availability
7 fields- Custody
- Wirex One CardNon-custodialExa CardSelf-custody
- Control until payment
- Wirex One CardNot disclosedExa CardYou keep control
- Card issuer
- Wirex One CardTransact Payments Malta Limited, Novatti Group LimitedExa CardThird National Bank, Third National
- Card processing
- Wirex One CardNot disclosedExa CardExa Labs SAS
- Custody / key management
- Wirex One CardPrivy Technologies, Inc.Exa CardNot disclosed
- Deposits & withdrawals
- Wirex One CardNot disclosedExa CardBridge, Manteca
- Programme operator
- Wirex One CardUAB WirexExa CardExa Labs SAS
Sources
2 fields- Official sources
- Wirex One Card36Exa Card31
- Last reviewed
- Wirex One CardAug 12, 2026Exa CardAug 23, 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 66 for Exa Card. Wirex One Card has the lower published FX fee (0% vs 1.5%). Wirex One Card has the higher published base cashback rate (0.5% vs 0%).
Exa Card still comes out ahead for Funds control and Transfers, 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 Exa Card uses a self-controlled wallet 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 Exa Card reviews first.
Continue with
Wirex One Card
Continue with
Exa Card
05 · Common questions
Wirex One vs Exa FAQ
Is Wirex One or Exa better overall?
Wirex One Card has the higher Overall Score (77 vs 66). 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 Exa?
Wirex One Card has the lower published FX fee (0% vs 1.5%). 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 Exa?
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 Exa differ on custody?
Wirex One Card uses a non-custodial account setup, while Exa Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Wirex One vs Exa comparison?
The latest information check for these two cards was August 23, 2026, using 67 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.