WirexWirex One
77
Side-by-side card comparison
Wirex One vs Tuyo: overall score versus use-case fit
Wirex One Card has the higher Overall Score by 3 points (77 vs 74). Wirex One Card looks stronger for Cashback, Travel, and Transfers, while Tuyo Card comes out ahead for Funds control and Lowest fees.
Information checked Aug 12, 202648 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. Tuyo Card may be the better fit for Funds control and Lowest fees. 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 One77Tuyo74Higher score
CashbackWirex One70Tuyo39Higher score
TravelWirex One85Tuyo42Higher score
Funds controlWirex One73Tuyo100Higher score
Lowest feesWirex One68Tuyo71Higher score
TransfersWirex One94Tuyo72Higher score
Choose Wirex One Card if cashback and travel matter most
Wirex One Card comes out ahead for Cashback, Travel, 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 Tuyo Card if funds control and lowest fees matter most
Tuyo Card comes out ahead for Funds control and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody wallet control
- Virtual Visa with both phone wallets
- Multichain USDC funding and spendable Earn
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 One77Tuyo74
Wirex One Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Wirex One$0 plan · 0% FXTuyo$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%Tuyo0% base · up to 100%
Wirex One Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- Wirex OneNon-custodial accountTuyoSelf-controlled wallet
Wirex One Card uses a non-custodial account setup, while Tuyo 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 PayTuyoVirtual · 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 payoutsTuyo1 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%-100%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 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 CardOverall77Tuyo CardOverall74
Wirex One CardOverall77Tuyo CardOverall74Scores
6 fields- Overall Score
- Wirex One Card77Tuyo Card74
- Cashback score
- Wirex One Card70Tuyo Card39
- Travel score
- Wirex One Card85Tuyo Card42
- Funds control score
- Wirex One Card73Tuyo Card100
- Lowest fees score
- Wirex One Card68Tuyo Card71
- Transfers score
- Wirex One Card94Tuyo Card72
Strengths & trade-offs
2 fields- Strengths
- Wirex One CardFive current card tiers, 0.5% to 8% cashback in USDTuyo CardSelf-custody wallet control, Virtual Visa with both phone wallets
- Trade-offs
- Wirex One CardHigher tiers require WPAY exposure, Limits remain region-specificTuyo CardReward value is unpredictable, Virtual-only with no ATM access
Costs
7 fields- Plan cost
- Wirex One Card$0Tuyo Card$0
- FX fee
- Wirex One Card0%Tuyo Card1–3%
- Top-up fee
- Wirex One CardNot disclosedTuyo CardNot disclosed
- Card spending fee
- Wirex One CardNot disclosedTuyo Card0%
- ATM fee
- Wirex One Card2%Tuyo CardNot available
- Virtual card
- Wirex One CardIncluded on every membership tierTuyo CardFree
- Physical card
- Wirex One CardPlastic from Premium; Visa Signature Metal from PrivateTuyo CardComing soon; not currently available
Plans
2 fields- Available plans
- Wirex One Card5 plans: Base, Premium, Elite, Private +1Tuyo CardNot disclosed
- Top cashback plan
- Wirex One CardBespoke: 8%Tuyo CardNot disclosed
Everyday use
8 fields- Network
- Wirex One CardVisaTuyo CardVisa
- Card formats
- Wirex One CardVirtual, PhysicalTuyo CardVirtual
- ATM withdrawals
- Wirex One CardAvailableTuyo CardNot available
- Mobile wallets
- Wirex One CardApple Pay, Google PayTuyo CardApple Pay, Google Pay
- Apps
- Wirex One CardiOS, AndroidTuyo CardiOS, Android
- Daily spending limit
- Wirex One CardEEA card-spend limit: €30,000/day and €30,000 per transaction; other regions are shown in appTuyo CardUp to $10,000 per day; limits can change with usage and account history.
- Monthly spending limit
- Wirex One CardEEA card-spend limit: €30,000/month; other regions are shown in appTuyo CardNo fixed monthly card-spend limit is publicly disclosed.
- ATM limit
- Wirex One CardEEA physical/Metal ATM limit: €500/day, €5,000/month and 5 withdrawals/day; 2% above the free allowanceTuyo CardATM withdrawals are not currently supported.
Funding & transfers
5 fields- Networks
- Wirex One CardNot disclosedTuyo CardEthereum, Base, Arbitrum, Optimism, Polygon
- Crypto deposits
- Wirex One CardStablecoins: USDC, USDT, EURCTuyo CardStablecoins: USDC
- Fiat deposits
- Wirex One CardBank funding, External card top-upTuyo CardVirtual-account receiving
- Transfers
- Wirex One CardStablecoin transfers; Pay to an external card, Bank account payoutsTuyo CardStablecoin transfers
- Payout currencies
- Wirex One CardUSD, EUR, GBPTuyo CardNot disclosed
Rewards
3 fields- Base cashback
- Wirex One Card0.5%Tuyo Card0%
- Max cashback
- Wirex One Card8%Tuyo Card100%
- Reward currency
- Wirex One CardUSD cashbackTuyo CardUSD
Earn
5 fields- Advertised APY
- Wirex One CardNot offeredTuyo CardUp to 11% APY
- How it works
- Wirex One CardNot offeredTuyo CardEarn on spending balance, Optional earn vault
- Separate deposit
- Wirex One CardNot offeredTuyo CardYes
- Use balance for spending
- Wirex One CardNot offeredTuyo CardYes
- Lock-up
- Wirex One CardNot offeredTuyo CardNot disclosed
Trust & availability
8 fields- Custody
- Wirex One CardNon-custodialTuyo CardSelf-custody
- Control until payment
- Wirex One CardNot disclosedTuyo CardYou keep control
- Card issuer
- Wirex One CardTransact Payments Malta Limited, Novatti Group LimitedTuyo CardThird National
- Card processing
- Wirex One CardNot disclosedTuyo CardSignify Holdings, Inc. (Rain)
- Custody / key management
- Wirex One CardPrivy Technologies, Inc.Tuyo CardNot disclosed
- Deposits & withdrawals
- Wirex One CardNot disclosedTuyo CardBridge Ventures, Inc. (Bridge)
- Bank transfers
- Wirex One CardNot disclosedTuyo CardBANEX Microfinance Bank Limited
- Programme operator
- Wirex One CardUAB WirexTuyo CardNot disclosed
Sources
2 fields- Official sources
- Wirex One Card36Tuyo Card12
- Last reviewed
- Wirex One CardAug 12, 2026Tuyo CardAug 5, 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 74 for Tuyo 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%).
Tuyo Card still comes out ahead for Funds control and Lowest fees, 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 Tuyo Card uses a self-controlled wallet 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 Tuyo Card reviews first.
Continue with
Wirex One Card
Continue with
Tuyo Card
05 · Common questions
Wirex One vs Tuyo FAQ
Is Wirex One or Tuyo better overall?
Wirex One Card has the higher Overall Score (77 vs 74). 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 Tuyo?
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 Tuyo?
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 Tuyo differ on custody?
Wirex One Card uses a non-custodial account setup, while Tuyo 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 Tuyo comparison?
The latest information check for these two cards was August 12, 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.