WirexWirex One
77
Side-by-side card comparison
Wirex One vs Holyheld: overall score versus use-case fit
Wirex One Card has the higher Overall Score by 2 points (77 vs 75). Wirex One Card looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Holyheld Card comes out ahead for Funds control.
Information checked Aug 12, 202664 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. Holyheld Card may be the better fit for Funds control. 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 One77Holyheld75Higher score
CashbackWirex One70Holyheld64Higher score
TravelWirex One85Holyheld68Higher score
Funds controlWirex One73Holyheld74Higher score
Lowest feesWirex One68Holyheld67Higher score
TransfersWirex One94Holyheld81Higher score
Choose Wirex One Card if cashback and travel matter most
Wirex One Card comes out ahead for Cashback, Travel, 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.
- Five current card tiers
- 0.5% to 8% cashback in USD
- Self-custodial digital assets
Choose Holyheld Card if funds control matters most
Holyheld Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
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 One77Holyheld75
Wirex One Card has the higher Overall Score by 2 points.
- Entry cost & FX
- Wirex One$0 plan · 0% FXHolyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FX
Wirex One Card has the lower published FX fee (0% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Wirex One0.5% base · up to 8%Holyheld0.5% base · up to 1%
Both cards show the same base cashback rate of 0.5%.
- Funds control
- Wirex OneNon-custodial accountHolyheldHybrid custody
Wirex One Card uses a non-custodial account setup, while Holyheld 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 PayHolyheldVirtual + 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 payoutsHolyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transfer
Wirex One Card lists more stablecoins and ways to send money out (6 vs 4).
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
- 0.5%-1%
- Plan cost
- $0
- FX fee
- Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- ATM fee
- Up to EUR 2 + 2.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 3 crypto · 1 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 CardOverall77Holyheld CardOverall75
Wirex One CardOverall77Holyheld CardOverall75Scores
6 fields- Overall Score
- Wirex One Card77Holyheld Card75
- Cashback score
- Wirex One Card70Holyheld Card64
- Travel score
- Wirex One Card85Holyheld Card68
- Funds control score
- Wirex One Card73Holyheld Card74
- Lowest fees score
- Wirex One Card68Holyheld Card67
- Transfers score
- Wirex One Card94Holyheld Card81
Strengths & trade-offs
2 fields- Strengths
- Wirex One CardFive current card tiers, 0.5% to 8% cashback in USDHolyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal Mastercard
- Trade-offs
- Wirex One CardHigher tiers require WPAY exposure, Limits remain region-specificHolyheld CardCountry eligibility is incomplete, Foreign spend can be expensive
Costs
7 fields- Plan cost
- Wirex One Card$0Holyheld Card$0
- FX fee
- Wirex One Card0%Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- Top-up fee
- Wirex One CardNot disclosedHolyheld Card0%
- Card spending fee
- Wirex One CardNot disclosedHolyheld Card€0.50
- ATM fee
- Wirex One Card2%Holyheld CardUp to EUR 2 + 2.5%
- Virtual card
- Wirex One CardIncluded on every membership tierHolyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual access
- Physical card
- Wirex One CardPlastic from Premium; Visa Signature Metal from PrivateHolyheld CardClassic: EUR 29; Metal: EUR 199
Plans
2 fields- Available plans
- Wirex One Card5 plans: Base, Premium, Elite, Private +1Holyheld Card3 plans: Classic, Limited Edition, Metal
- Top cashback plan
- Wirex One CardBespoke: 8%Holyheld CardMetal: 1%
Everyday use
8 fields- Network
- Wirex One CardVisaHolyheld CardMastercard
- Card formats
- Wirex One CardVirtual, PhysicalHolyheld CardVirtual, Physical
- ATM withdrawals
- Wirex One CardAvailableHolyheld CardAvailable
- Mobile wallets
- Wirex One CardApple Pay, Google PayHolyheld CardApple Pay, Google Pay
- Apps
- Wirex One CardiOS, AndroidHolyheld 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 appHolyheld CardEUR 10,000 daily
- Monthly spending limit
- Wirex One CardEEA card-spend limit: €30,000/month; other regions are shown in appHolyheld CardEUR 25,000 monthly; EUR 250,000 annually
- ATM limit
- Wirex One CardEEA physical/Metal ATM limit: €500/day, €5,000/month and 5 withdrawals/day; 2% above the free allowanceHolyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 days
Funding & transfers
5 fields- Networks
- Wirex One CardNot disclosedHolyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2
- Crypto deposits
- Wirex One CardStablecoins: USDC, USDT, EURCHolyheld CardStablecoins: USDC, USDT
- Fiat deposits
- Wirex One CardBank funding, External card top-upHolyheld CardPersonal EUR IBAN
- Transfers
- Wirex One CardStablecoin transfers; Pay to an external card, Bank account payoutsHolyheld CardStablecoin transfers; Outgoing SEPA transfer
- Payout currencies
- Wirex One CardUSD, EUR, GBPHolyheld CardEUR
Rewards
3 fields- Base cashback
- Wirex One Card0.5%Holyheld Card0.5%
- Max cashback
- Wirex One Card8%Holyheld Card1%
- Reward currency
- Wirex One CardUSD cashbackHolyheld CardUSDC
Earn
5 fields- Advertised APY
- Wirex One CardNot offeredHolyheld CardNot disclosed
- How it works
- Wirex One CardNot offeredHolyheld CardOptional earn vault
- Separate deposit
- Wirex One CardNot offeredHolyheld CardYes
- Use balance for spending
- Wirex One CardNot offeredHolyheld CardNot disclosed
- Lock-up
- Wirex One CardNot offeredHolyheld CardNo
Trust & availability
6 fields- Custody
- Wirex One CardNon-custodialHolyheld CardHybrid custody
- Control until payment
- Wirex One CardNot disclosedHolyheld CardProvider controls funds
- Card issuer
- Wirex One CardTransact Payments Malta Limited, Novatti Group LimitedHolyheld CardUnlimit EU Ltd
- Custody / key management
- Wirex One CardPrivy Technologies, Inc.Holyheld CardNot disclosed
- Identity verification
- Wirex One CardNot disclosedHolyheld CardSumsub / Idenfy
- Programme operator
- Wirex One CardUAB WirexHolyheld CardHolyheld Labs AG
Sources
2 fields- Official sources
- Wirex One Card36Holyheld Card28
- Last reviewed
- Wirex One CardAug 12, 2026Holyheld CardAug 12, 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 75 for Holyheld Card. Wirex One Card has the lower published FX fee (0% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Both cards show the same base cashback rate of 0.5%.
Holyheld Card still comes out ahead for Funds control, 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 Holyheld 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 4). 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 Holyheld Card reviews first.
Continue with
Wirex One Card
Continue with
Holyheld Card
05 · Common questions
Wirex One vs Holyheld FAQ
Is Wirex One or Holyheld better overall?
Wirex One Card has the higher Overall Score (77 vs 75). 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 Holyheld?
Wirex One Card has the lower published FX fee (0% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). 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 Holyheld?
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 Holyheld differ on custody?
Wirex One Card uses a non-custodial account setup, while Holyheld 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 Holyheld comparison?
The latest information check for these two cards was August 12, 2026, using 64 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.