WirexWirex One
77
Side-by-side card comparison
Wirex One vs Tangem: overall score versus use-case fit
Wirex One Card has the higher Overall Score by 17 points (77 vs 60). Wirex One Card looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Tangem Card comes out ahead for Funds control.
Information checked Aug 28, 202654 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. Tangem 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 One77Tangem60Higher score
CashbackWirex One70Tangem15Higher score
TravelWirex One85Tangem27Higher score
Funds controlWirex One73Tangem83Higher score
Lowest feesWirex One68Tangem53Higher score
TransfersWirex One94Tangem58Higher 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 Tangem Card if funds control matters most
Tangem 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.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
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 One77Tangem60
Wirex One Card has the higher Overall Score by 17 points.
- 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%Tangem0% cashback
Wirex One Card has the higher published base cashback rate (0.5% vs 0%).
- 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 · 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 payoutsTangem1 stablecoin · Stablecoin transfers
Wirex One Card lists more stablecoins and ways to send money out (6 vs 2).
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
- Up to 3% legal cap; current fee unknown
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 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 CardOverall77Tangem CardOverall60
Wirex One CardOverall77Tangem CardOverall60Scores
6 fields- Overall Score
- Wirex One Card77Tangem Card60
- Cashback score
- Wirex One Card70Tangem Card15
- Travel score
- Wirex One Card85Tangem Card27
- Funds control score
- Wirex One Card73Tangem Card83
- Lowest fees score
- Wirex One Card68Tangem Card53
- Transfers score
- Wirex One Card94Tangem Card58
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 CardNo current cashback, Virtual-only with no ATM access
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 Card0%
- Card spending fee
- Wirex One CardNot disclosedTangem Card0%
- ATM fee
- Wirex One Card2%Tangem CardNot available
- 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 CardNot disclosed
Plans
2 fields- Available plans
- Wirex One Card5 plans: Base, Premium, Elite, Private +1Tangem CardNot disclosed
- Top cashback plan
- Wirex One CardBespoke: 8%Tangem CardNot disclosed
Everyday use
8 fields- Network
- Wirex One CardVisaTangem CardVisa
- Card formats
- Wirex One CardVirtual, PhysicalTangem CardVirtual
- ATM withdrawals
- Wirex One CardAvailableTangem CardNot available
- 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 advertises $10,000 daily; the account system/default shows up to $50,000, so the effective Basic limit is unclear
- 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 CardATM withdrawals are not currently available
Funding & transfers
5 fields- Networks
- Wirex One CardNot disclosedTangem CardPolygon
- Crypto deposits
- Wirex One CardStablecoins: USDC, USDT, EURCTangem CardStablecoins: USDC
- Fiat deposits
- Wirex One CardBank funding, External card top-upTangem CardNot disclosed
- 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 Card0%
- Max cashback
- Wirex One Card8%Tangem Card0%
- Reward currency
- Wirex One CardUSD cashbackTangem CardNo current purchase rewards
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 Card18
- Last reviewed
- Wirex One CardAug 12, 2026Tangem CardAug 28, 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 60 for Tangem Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Wirex One Card has the higher published base cashback rate (0.5% vs 0%).
Tangem 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 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 2). 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 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 has the higher Overall Score (77 vs 60). 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 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?
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 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 August 28, 2026, using 54 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.