Wirex One Card
Card of Wirex One, Wirex's newer self-managed money app (separate from the classic Wirex app): virtual card from sign-up, physical Visa or Mastercard and a Visa Signature Metal card as the membership grows. No monthly or annual fee, zero FX fees, 0.5–8% cashback in USD depending on the tier, and 50% rebates on subscriptions such as ChatGPT Plus, Claude Pro or Uber One. Tiers (Base, Premium, Elite, Private, Bespoke) depend on portfolio size and the share held in WPAY.
Base cashback
0.5%Conditions apply: tap or hover for detailsShow source
Max cashback
8%Conditions apply: tap or hover for detailsShow source
Base fee
FreeShow source
FX fee
0%Show source
ATM fee
FreeConditions apply: tap or hover for detailsShow source
Card fee
Credit line
NoShow source
Staking needed
YesConditions apply: tap or hover for detailsShow source
Tap a value for its source. * = conditions apply.
At a glance
Pros
- No annual or monthly fee on the base tier
- No FX markup from the issuer
- Apple Pay and Google Pay
- Spends stablecoins directly
Cons
- Top rate of 8% only with conditions — Top tier; tier set by portfolio size and share held in WPAY
- Higher rewards require staking or holding WPAY
Good for
- Stablecoin holders
- Frequent travellers
Not for
- Anyone unwilling to lock up a platform token
Risks to understand
- Staking/holding requirements expose you to the price risk of the platform token.
- Stablecoins can de-peg and are not covered by deposit protection.
★ Our pickEditorial choice · score unchanged · Affiliate link
The card we recommend as an alternative to Wirex One Card:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
All details
Fees4/15
- Annual fee
FreeShow source
- Monthly fee
FreeShow source
- FX fee
0%Show source
- ATM fee
FreeConditions apply: tap or hover for detailsShow source
Wirex fee; operator fees not addressed
Not yet researched: Physical card fee, Virtual card fee, Replacement fee, Crypto conversion fee, Top-up fee, Crypto withdrawal fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee, Other fees & markups.
Cashback & rewards8/14
- Base cashback
0.5%Conditions apply: tap or hover for detailsShow source
Base tier
- Max cashback
8%Conditions apply: tap or hover for detailsShow source
Top tier; tier set by portfolio size and share held in WPAY
- Cashback paid in
USDShow source
- Cashback type
FiatShow source
- Interest on balance
9.75%Conditions apply: tap or hover for detailsShow source
Up to; stablecoin savings, flexible or fixed terms
- Cashback conditions
Tier recalculated daily from portfolio size and percentage held in WPAY; both thresholds must be met · No monthly cashback cap · 50% rebate on eligible subscriptions, capped at each service's standard plan priceShow source
- Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Holding (not locking) WPAY and a minimum portfolio for higher tiers
- Staking asset
WPAYShow source
Not yet researched: Cashback-eligible spend cap, Max cashback per month, Capital required for top rewards, Minimum balance, Reward expiry / vesting, Reward exclusions.
Credit & financing1/11
- Credit line
NoShow source
Not yet researched: Credit type, Collateral assets, Max loan-to-value, Interest (APR), Interest notes, Grace period, Repayment, Liquidation risk, Spend own balance directly, Spend by borrowing against collateral.
Supported countries & currencies0/4
No availability data published or researched yet.
Features, wallets & supported assets6/11
- Apple Pay
YesShow source
- Google Pay
YesShow source
- Physical card
YesShow source
- Virtual card
YesShow source
- ATM withdrawals
YesShow source
- Spend stablecoins
YesShow source
Not yet researched: Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets, Blockchains.
Security & custody0/3
No security & custody data published or researched yet.
Limits0/2
No limits data published or researched yet.
Product4/7
- Product status
ActiveShow source
- Card type
Debit cardShow source
- Network
Visa / MastercardConditions apply: tap or hover for detailsShow source
Physical card Visa or Mastercard; metal card Visa Signature
- Tiers / plans
Base · Premium · Elite · Private · BespokeShow source
Not yet researched: Custody model, Launch date, Card issuer / program manager.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year | 20% | 100 |
Cashback & rewards Top rate requires staking/holding (−30 % on the max component) · Interest on balance 9.75% (variable) | 20% | 44 |
Availability | 15% | No data — excluded |
FX & international FX fee 0% | 10% | 100 |
Product features 6 of 6 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 70 |
Custody & security | 10% | No data — excluded |
Credit & financing No credit line | 5% | 30 |
Limits & ATM ATM cost on €200 ≈ 0.0% | 5% | 100 |
Transparency 6 of 6 checked key terms disclosed | 5% | 100 |
Data coverage 75%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Does Wirex One Card have an annual or monthly fee?
Base tier: Free. Source: Wirex One debit card.
What is the FX fee of Wirex One Card?
0%. Source: Wirex One debit card.
How much cashback does Wirex One Card pay?
Base rate: 0.5% (Base tier). Highest advertised rate: 8% (Top tier; tier set by portfolio size and share held in WPAY). Paid in USD.
Is Wirex One Card a credit card?
No. It is a debit card; you spend your own balance.
Does Wirex One Card work with Apple Pay and Google Pay?
Apple Pay: Yes. Google Pay: Yes.
Change history23 entries
- Product status recorded · 22 October 2026 · auto-approved
- Card type recorded · 22 October 2026 · auto-approved
- Network recorded · 22 October 2026 · auto-approved
- Tiers / plans recorded · 22 October 2026 · auto-approved
- Monthly fee recorded · 22 October 2026 · auto-approved
- Annual fee recorded · 22 October 2026 · auto-approved
- FX fee recorded · 22 October 2026 · auto-approved
- ATM fee recorded · 22 October 2026 · auto-approved
- Base cashback recorded · 22 October 2026 · auto-approved
- Max cashback recorded · 22 October 2026 · auto-approved
- Cashback paid in recorded · 22 October 2026 · auto-approved
- Cashback type recorded · 22 October 2026 · auto-approved
- Cashback conditions recorded · 22 October 2026 · auto-approved
- Staking / holding required for top rewards recorded · 22 October 2026 · auto-approved
- Staking asset recorded · 22 October 2026 · auto-approved
- Interest on balance recorded · 22 October 2026 · auto-approved
- Credit line recorded · 22 October 2026 · auto-approved
- Apple Pay recorded · 22 October 2026 · auto-approved
- Google Pay recorded · 22 October 2026 · auto-approved
- Virtual card recorded · 22 October 2026 · auto-approved
- Physical card recorded · 22 October 2026 · auto-approved
- ATM withdrawals recorded · 22 October 2026 · auto-approved
- Spend stablecoins recorded · 22 October 2026 · auto-approved