WirexWirex One
77
Side-by-side card comparison
Wirex One vs Karta Personal: overall score versus use-case fit
Wirex One Card has the higher Overall Score by 16 points (77 vs 61). Wirex One Card looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Karta Personal Card comes out ahead for Funds control.
Information checked Aug 12, 202661 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. Karta Personal 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 One77Karta Personal61Higher score
CashbackWirex One70Karta Personal14Higher score
TravelWirex One85Karta Personal46Higher score
Funds controlWirex One73Karta Personal92Higher score
Lowest feesWirex One68Karta Personal53Higher score
TransfersWirex One94Karta Personal90Higher 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 Karta Personal Card if funds control matters most
Karta Personal 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.
- USDT and USDC deposits across multiple networks
- Apple Pay, Google Pay and contactless ATM access
- Live multi-network crypto payouts
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 One77Karta Personal61
Wirex One Card has the higher Overall Score by 16 points.
- Entry cost & FX
- Wirex One$0 plan · 0% FXKarta Personal$0 plan · 1–3% FX
Wirex One Card has the lower published FX fee (0% vs 1–3%).
- Purchase rewards
- Wirex One0.5% base · up to 8%Karta Personal0% cashback
Wirex One Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- Wirex OneNon-custodial accountKarta PersonalSelf-controlled wallet
Wirex One Card uses a non-custodial account setup, while Karta Personal 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 PayKarta PersonalVirtual · 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 payoutsKarta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payout
Both cards list the same number of stablecoins and ways to send money out.
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
- 1–3%
- ATM fee
- USD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 5 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 CardOverall77Karta Personal CardOverall61
Wirex One CardOverall77Karta Personal CardOverall61Scores
6 fields- Overall Score
- Wirex One Card77Karta Personal Card61
- Cashback score
- Wirex One Card70Karta Personal Card14
- Travel score
- Wirex One Card85Karta Personal Card46
- Funds control score
- Wirex One Card73Karta Personal Card92
- Lowest fees score
- Wirex One Card68Karta Personal Card53
- Transfers score
- Wirex One Card94Karta Personal Card90
Strengths & trade-offs
2 fields- Strengths
- Wirex One CardFive current card tiers, 0.5% to 8% cashback in USDKarta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM access
- Trade-offs
- Wirex One CardHigher tiers require WPAY exposure, Limits remain region-specificKarta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surface
Costs
7 fields- Plan cost
- Wirex One Card$0Karta Personal Card$0
- FX fee
- Wirex One Card0%Karta Personal Card1–3%
- Top-up fee
- Wirex One CardNot disclosedKarta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20
- Card spending fee
- Wirex One CardNot disclosedKarta Personal Card1.5%
- ATM fee
- Wirex One Card2%Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Virtual card
- Wirex One CardIncluded on every membership tierKarta Personal Card5 USDT one-time
- Physical card
- Wirex One CardPlastic from Premium; Visa Signature Metal from PrivateKarta Personal Card99 USDT plastic / 299 USDT Metal LED preorder
Plans
2 fields- Available plans
- Wirex One Card5 plans: Base, Premium, Elite, Private +1Karta Personal CardNot disclosed
- Top cashback plan
- Wirex One CardBespoke: 8%Karta Personal CardNot disclosed
Everyday use
8 fields- Network
- Wirex One CardVisaKarta Personal CardVisa
- Card formats
- Wirex One CardVirtual, PhysicalKarta Personal CardVirtual
- ATM withdrawals
- Wirex One CardAvailableKarta Personal CardAvailable
- Mobile wallets
- Wirex One CardApple Pay, Google PayKarta Personal CardApple Pay, Google Pay
- Apps
- Wirex One CardiOS, AndroidKarta Personal CardNo app listed
- Daily spending limit
- Wirex One CardEEA card-spend limit: €30,000/day and €30,000 per transaction; other regions are shown in appKarta Personal Card$25,000 per transaction; no universal daily amount published
- Monthly spending limit
- Wirex One CardEEA card-spend limit: €30,000/month; other regions are shown in appKarta Personal CardNot publicly disclosed; limits are dynamic
- ATM limit
- Wirex One CardEEA physical/Metal ATM limit: €500/day, €5,000/month and 5 withdrawals/day; 2% above the free allowanceKarta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24h
Funding & transfers
5 fields- Networks
- Wirex One CardNot disclosedKarta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17
- Crypto deposits
- Wirex One CardStablecoins: USDC, USDT, EURCKarta Personal CardStablecoins: USDT, USDC
- Fiat deposits
- Wirex One CardBank funding, External card top-upKarta Personal CardBank deposits
- Transfers
- Wirex One CardStablecoin transfers; Pay to an external card, Bank account payoutsKarta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payout
- Payout currencies
- Wirex One CardUSD, EUR, GBPKarta Personal CardNot disclosed
Rewards
3 fields- Base cashback
- Wirex One Card0.5%Karta Personal Card0%
- Max cashback
- Wirex One Card8%Karta Personal Card0%
- Reward currency
- Wirex One CardUSD cashbackKarta Personal CardNo cashback
Earn
5 fields- Advertised APY
- Wirex One CardNot offeredKarta Personal CardNot offered
- How it works
- Wirex One CardNot offeredKarta Personal CardNot offered
- Separate deposit
- Wirex One CardNot offeredKarta Personal CardNot offered
- Use balance for spending
- Wirex One CardNot offeredKarta Personal CardNot offered
- Lock-up
- Wirex One CardNot offeredKarta Personal CardNot offered
Trust & availability
6 fields- Custody
- Wirex One CardNon-custodialKarta Personal CardSelf-custody
- Control until payment
- Wirex One CardNot disclosedKarta Personal CardYou keep control
- Card issuer
- Wirex One CardTransact Payments Malta Limited, Novatti Group LimitedKarta Personal CardNimbus LLC d/b/a Third National
- Custody / key management
- Wirex One CardPrivy Technologies, Inc.Karta Personal CardPrivy
- Identity verification
- Wirex One CardNot disclosedKarta Personal CardSumsub
- Programme operator
- Wirex One CardUAB WirexKarta Personal CardKarta Finance, Inc.
Sources
2 fields- Official sources
- Wirex One Card36Karta Personal Card25
- Last reviewed
- Wirex One CardAug 12, 2026Karta Personal CardAug 11, 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 61 for Karta Personal Card. Wirex One Card has the lower published FX fee (0% vs 1–3%). Wirex One Card has the higher published base cashback rate (0.5% vs 0%).
Karta Personal 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 Karta Personal Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. 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 Karta Personal Card reviews first.
Continue with
Wirex One Card
Continue with
Karta Personal Card
05 · Common questions
Wirex One vs Karta Personal FAQ
Is Wirex One or Karta Personal better overall?
Wirex One Card has the higher Overall Score (77 vs 61). 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 Karta Personal?
Wirex One Card has the lower published FX fee (0% vs 1–3%). 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 Karta Personal?
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 Karta Personal differ on custody?
Wirex One Card uses a non-custodial account setup, while Karta Personal 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 Karta Personal comparison?
The latest information check for these two cards was August 12, 2026, using 61 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.