WirexWirex One
77
Side-by-side card comparison
Wirex One vs Plasma One: overall score versus use-case fit
Plasma One Card has the higher Overall Score by 10 points (87 vs 77). Wirex One Card looks stronger for Travel, while Plasma One Card comes out ahead for Cashback, Funds control, Lowest fees, and Transfers.
Information checked Aug 27, 202648 official sources reviewed
01 · Overall score versus use-case fit
Plasma One Card is the better all-round starting point
Plasma One 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 One77Plasma One87Higher score
CashbackWirex One70Plasma One78Higher score
TravelWirex One85Plasma One72Higher score
Funds controlWirex One73Plasma One99Higher score
Lowest feesWirex One68Plasma One80Higher score
TransfersWirex One94Plasma One100Higher 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 Plasma One Card if cashback and funds control matter most
Plasma One 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.
- Lite starts with 2% XPL cashback
- Higher tiers add bigger caps and perks
- Earn is separate from card cashback
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 One77Plasma One87
Plasma One Card has the higher Overall Score by 10 points.
- Entry cost & FX
- Wirex One$0 plan · 0% FXPlasma One$0 plan · 0–1% FX
Wirex One Card has the lower published FX fee (0% vs 0–1%).
- Purchase rewards
- Wirex One0.5% base · up to 8%Plasma One2% base · up to 10%
Plasma One Card has the higher published base cashback rate (2% vs 0.5%).
- Funds control
- Wirex OneNon-custodial accountPlasma OneSelf-controlled wallet
Wirex One Card uses a non-custodial account setup, while Plasma One 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 PayPlasma OneVirtual + 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 payoutsPlasma One3 stablecoins · Stablecoin transfers; Plasma One usernames; Virtual account withdrawals
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
- 2%-10%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 6 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 CardOverall77Plasma One CardOverall87
Wirex One CardOverall77Plasma One CardOverall87Scores
6 fields- Overall Score
- Wirex One Card77Plasma One Card87
- Cashback score
- Wirex One Card70Plasma One Card78
- Travel score
- Wirex One Card85Plasma One Card72
- Funds control score
- Wirex One Card73Plasma One Card99
- Lowest fees score
- Wirex One Card68Plasma One Card80
- Transfers score
- Wirex One Card94Plasma One Card100
Strengths & trade-offs
2 fields- Strengths
- Wirex One CardFive current card tiers, 0.5% to 8% cashback in USDPlasma One CardLite starts with 2% XPL cashback, Higher tiers add bigger caps and perks
- Trade-offs
- Wirex One CardHigher tiers require WPAY exposure, Limits remain region-specificPlasma One CardPhysical access is limited; no ATM, Cashback is capped by tier
Costs
7 fields- Plan cost
- Wirex One Card$0Plasma One Card$0
- FX fee
- Wirex One Card0%Plasma One Card0–1%
- Top-up fee
- Wirex One CardNot disclosedPlasma One Card0%
- Card spending fee
- Wirex One CardNot disclosedPlasma One CardNot disclosed
- ATM fee
- Wirex One Card2%Plasma One CardNot available
- Virtual card
- Wirex One CardIncluded on every membership tierPlasma One CardUp to 3 free virtual cards by tier
- Physical card
- Wirex One CardPlastic from Premium; Visa Signature Metal from PrivatePlasma One CardFirst physical card free in the currently confirmed Core and Platinum flows. Core standard delivery is $20 and express is $50; Platinum standard delivery is free and express is $30. Additional or replacement cards cost $40 for Core and $120 for Platinum.
Plans
2 fields- Available plans
- Wirex One Card5 plans: Base, Premium, Elite, Private +1Plasma One Card3 plans: Lite, Core, Platinum
- Top cashback plan
- Wirex One CardBespoke: 8%Plasma One CardPlatinum: 4%
Everyday use
8 fields- Network
- Wirex One CardVisaPlasma One CardVisa
- Card formats
- Wirex One CardVirtual, PhysicalPlasma One CardVirtual, Physical
- ATM withdrawals
- Wirex One CardAvailablePlasma One CardNot available
- Mobile wallets
- Wirex One CardApple Pay, Google PayPlasma One CardApple Pay, Google Pay
- Apps
- Wirex One CardiOS, AndroidPlasma One CardiOS, Android
- Daily spending limit
- Wirex One CardEEA card-spend limit: €30,000/day and €30,000 per transaction; other regions are shown in appPlasma One CardShown in app
- Monthly spending limit
- Wirex One CardEEA card-spend limit: €30,000/month; other regions are shown in appPlasma One CardShown in app
- ATM limit
- Wirex One CardEEA physical/Metal ATM limit: €500/day, €5,000/month and 5 withdrawals/day; 2% above the free allowancePlasma One CardNot available, including for physical cards
Funding & transfers
5 fields- Networks
- Wirex One CardNot disclosedPlasma One CardPlasma, Ethereum, Solana, Tron, Polygon, Arbitrum +5
- Crypto deposits
- Wirex One CardStablecoins: USDC, USDT, EURCPlasma One CardStablecoins: USDT, USDC, USDG
- Fiat deposits
- Wirex One CardBank funding, External card top-upPlasma One CardUSD virtual account, EUR / GBP virtual accounts, MXN / BRL local transfers, COP virtual account
- Transfers
- Wirex One CardStablecoin transfers; Pay to an external card, Bank account payoutsPlasma One CardStablecoin transfers; Plasma One usernames; Virtual account withdrawals
- Payout currencies
- Wirex One CardUSD, EUR, GBPPlasma One CardUSD, EUR, GBP, MXN, BRL, COP
Rewards
3 fields- Base cashback
- Wirex One Card0.5%Plasma One Card2%
- Max cashback
- Wirex One Card8%Plasma One Card10%
- Reward currency
- Wirex One CardUSD cashbackPlasma One CardUSD cashback paid in XPL
Earn
5 fields- Advertised APY
- Wirex One CardNot offeredPlasma One CardUp to 5% APY
- How it works
- Wirex One CardNot offeredPlasma One CardOptional earn vault
- Separate deposit
- Wirex One CardNot offeredPlasma One CardYes
- Use balance for spending
- Wirex One CardNot offeredPlasma One CardNo
- Lock-up
- Wirex One CardNot offeredPlasma One CardNo
Trust & availability
7 fields- Custody
- Wirex One CardNon-custodialPlasma One CardSelf-custody
- Control until payment
- Wirex One CardNot disclosedPlasma One CardYou keep control
- Card issuer
- Wirex One CardTransact Payments Malta Limited, Novatti Group LimitedPlasma One CardRain, Third National
- Card processing
- Wirex One CardNot disclosedPlasma One Card0x
- Custody / key management
- Wirex One CardPrivy Technologies, Inc.Plasma One CardPrivy, Veda
- Deposits & withdrawals
- Wirex One CardNot disclosedPlasma One CardBridge, Bridge Ventures LLC
- Programme operator
- Wirex One CardUAB WirexPlasma One CardPlasma
Sources
2 fields- Official sources
- Wirex One Card36Plasma One Card12
- Last reviewed
- Wirex One CardAug 12, 2026Plasma One CardAug 27, 2026
04 · The trade-off
Plasma One Card is the stronger all-round choice
Plasma One 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 0–1%). Plasma One Card has the higher published base cashback rate (2% 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 uses a non-custodial account setup, while Plasma One 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 Plasma One Card reviews first.
Continue with
Wirex One Card
Continue with
Plasma One Card
05 · Common questions
Wirex One vs Plasma One FAQ
Is Wirex One or Plasma One better overall?
Plasma One 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 Plasma One?
Wirex One Card has the lower published FX fee (0% vs 0–1%). 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 Plasma One?
Plasma One Card has the higher published base cashback rate (2% 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 Plasma One differ on custody?
Wirex One Card uses a non-custodial account setup, while Plasma One 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 Plasma One comparison?
The latest information check for these two cards was August 27, 2026, using 48 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.