WirexWirex One
77
Side-by-side card comparison
Wirex One vs Tangem: same score, different trade-offs
Wirex One Card and Tangem Card share an Overall Score of 77. Wirex One Card looks stronger for Travel, Lowest fees, and Transfers, while Tangem Card comes out ahead for Cashback and Funds control.
Information checked Oct 11, 202656 official sources reviewed
01 · A level score
The scores are tied, but the cards are not the same
Wirex One Card and Tangem Card have the same Overall Score. Start with what matters most to you: day-to-day costs, rewards, control of your funds or moving money. The sections below show how they differ. You should also check that your preferred card is available in your country.
OverallWirex One77Tangem77Same score
CashbackWirex One70Tangem73Higher score
TravelWirex One85Tangem63Higher score
Funds controlWirex One73Tangem87Higher score
Lowest feesWirex One68Tangem52Higher score
TransfersWirex One94Tangem65Higher score
Choose Wirex One Card if travel and lowest fees matter most
Wirex One Card comes out ahead for 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 Tangem Card if cashback and funds control matter most
Tangem Card comes out ahead for Cashback and Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
Where the cards part company
A tied score can hide meaningful differences in cost, custody, rewards and everyday access.
- Overall Score
- Wirex One77Tangem77
Both cards have the same displayed Overall Score of 77.
- Entry cost & FX
- Wirex One$0 plan · 0% FXTangem$0 plan · Up to 3% legal cap; current fee unknown FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Wirex One0.5% base · up to 8%Tangem1% base · up to 2%
Tangem Card has the higher published base cashback rate (1% vs 0.5%).
- Funds control
- Wirex OneNon-custodial accountTangemHybrid custody
Wirex One Card uses a non-custodial account setup, while Tangem 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 PayTangemVirtual + 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 payoutsTangem2 stablecoins · Stablecoin transfers
Wirex One Card lists more stablecoins and ways to send money out (6 vs 3).
02 · Read the shortlist
A closer look at the tie
The score is level. These quick facts show where the cards still ask you to make a choice.
- 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
- 1%-2%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- 2–4%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 1 crypto · 0 fiat
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03 · Compare the details
Put the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsWirex One CardOverall77Tangem CardOverall77
Wirex One CardOverall77Tangem CardOverall77Scores
6 fields- Overall Score
- Wirex One Card77Tangem Card77
- Cashback score
- Wirex One Card70Tangem Card73
- Travel score
- Wirex One Card85Tangem Card63
- Funds control score
- Wirex One Card73Tangem Card87
- Lowest fees score
- Wirex One Card68Tangem Card52
- Transfers score
- Wirex One Card94Tangem Card65
Strengths & trade-offs
2 fields- Strengths
- Wirex One CardFive current card tiers, 0.5% to 8% cashback in USDTangem CardApple Pay and Google Pay, Direct USDC funding on Polygon
- Trade-offs
- Wirex One CardHigher tiers require WPAY exposure, Limits remain region-specificTangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%
Costs
7 fields- Plan cost
- Wirex One Card$0Tangem Card$0
- FX fee
- Wirex One Card0%Tangem CardUp to 3% legal cap; current fee unknown
- Top-up fee
- Wirex One CardNot disclosedTangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separate
- Card spending fee
- Wirex One CardNot disclosedTangem Card0%
- ATM fee
- Wirex One Card2%Tangem Card2–4%
- Virtual card
- Wirex One CardIncluded on every membership tierTangem Card$0 for the first virtual card
- Physical card
- Wirex One CardPlastic from Premium; Visa Signature Metal from PrivateTangem CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery free
Plans
2 fields- Available plans
- Wirex One Card5 plans: Base, Premium, Elite, Private +1Tangem Card2 plans: Basic, Plus
- Top cashback plan
- Wirex One CardBespoke: 8%Tangem CardPlus: 2%
Everyday use
8 fields- Network
- Wirex One CardVisaTangem CardVisa
- Card formats
- Wirex One CardVirtual, PhysicalTangem CardVirtual, Physical
- ATM withdrawals
- Wirex One CardAvailableTangem CardAvailable
- Mobile wallets
- Wirex One CardApple Pay, Google PayTangem CardApple Pay, Google Pay
- Apps
- Wirex One CardiOS, AndroidTangem CardiOS, Android
- Daily spending limit
- Wirex One CardEEA card-spend limit: €30,000/day and €30,000 per transaction; other regions are shown in appTangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controls
- Monthly spending limit
- Wirex One CardEEA card-spend limit: €30,000/month; other regions are shown in appTangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per month
- ATM limit
- Wirex One CardEEA physical/Metal ATM limit: €500/day, €5,000/month and 5 withdrawals/day; 2% above the free allowanceTangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM required
Funding & transfers
5 fields- Networks
- Wirex One CardNot disclosedTangem CardPolygon, BNB Smart Chain, Base, Arbitrum
- Crypto deposits
- Wirex One CardStablecoins: USDC, USDT, EURCTangem CardStablecoins: USDC, USDT
- Fiat deposits
- Wirex One CardBank funding, External card top-upTangem CardUSD ACH deposit, USD Fedwire deposit
- Transfers
- Wirex One CardStablecoin transfers; Pay to an external card, Bank account payoutsTangem CardStablecoin transfers
- Payout currencies
- Wirex One CardUSD, EUR, GBPTangem CardNot disclosed
Rewards
3 fields- Base cashback
- Wirex One Card0.5%Tangem Card1%
- Max cashback
- Wirex One Card8%Tangem Card2%
- Reward currency
- Wirex One CardUSD cashbackTangem CardUSDC
Earn
5 fields- Advertised APY
- Wirex One CardNot offeredTangem CardNot offered
- How it works
- Wirex One CardNot offeredTangem CardNot offered
- Separate deposit
- Wirex One CardNot offeredTangem CardNot offered
- Use balance for spending
- Wirex One CardNot offeredTangem CardNot offered
- Lock-up
- Wirex One CardNot offeredTangem CardNot offered
Trust & availability
7 fields- Custody
- Wirex One CardNon-custodialTangem CardHybrid custody
- Control until payment
- Wirex One CardNot disclosedTangem CardYou keep control
- Card issuer
- Wirex One CardTransact Payments Malta Limited, Novatti Group LimitedTangem CardThird National
- Card processing
- Wirex One CardNot disclosedTangem CardPaera LLC
- Custody / key management
- Wirex One CardPrivy Technologies, Inc.Tangem CardNot disclosed
- Identity verification
- Wirex One CardNot disclosedTangem CardSumsub
- Programme operator
- Wirex One CardUAB WirexTangem CardNot disclosed
Sources
2 fields- Official sources
- Wirex One Card36Tangem Card20
- Last reviewed
- Wirex One CardAug 12, 2026Tangem CardOct 11, 2026
04 · The closer call
Wirex One Card and Tangem Card need a closer personal call
The Overall Score ends level at 77, so there is no honest all-round winner here. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Tangem Card has the higher published base cashback rate (1% vs 0.5%).
Wirex One Card looks stronger for Travel, Lowest fees, and Transfers, while Tangem Card comes out ahead for Cashback and Funds control. Wirex One Card uses a non-custodial account setup, while Tangem 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 3). Your final check should be whether the card is available where you live and whether the latest provider terms match the features you expect to use.
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 Tangem Card reviews first.
Continue with
Wirex One Card
Continue with
Tangem Card
05 · Common questions
Wirex One vs Tangem FAQ
Is Wirex One or Tangem better overall?
Wirex One Card and Tangem Card tie at 77 in the Overall Score. Compare their costs, rewards, way of holding funds and everyday features to decide which suits you.
Which has lower fees, Wirex One or Tangem?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 Tangem?
Tangem Card has the higher published base cashback rate (1% 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 Tangem differ on custody?
Wirex One Card uses a non-custodial account setup, while Tangem 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 Tangem comparison?
The latest information check for these two cards was October 11, 2026, using 56 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.