MetaMask Card vs Wirex Card
Crypto native
Crypto native
Verdict
- MetaMask Card scores higher overall (7.5 vs 6.8 out of 10).
- Wirex Card is clearly stronger on: Fees.
- For 1,500 EUR/month of spend, MetaMask Card comes out about 66 EUR a year ahead on base-tier terms.
MetaMask Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Frequent travellers
Wirex Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: Fees
Score by criterion
| Criterion | MetaMask Card | Wirex Card |
|---|---|---|
| Fees | 90 | 100 |
| Cashback & rewards | 27 | 26 |
| Availability | 100 | – |
| FX & international | 100 | 100 |
| Product features | 100 | 100 |
| Custody & security | 80 | – |
| Credit & financing | 30 | – |
| Limits & ATM | 60 | 64 |
| Transparency | 86 | 86 |
| Best for Cashback | 5.8 | 5.3 |
| Best for Travel | 8.4 | 8.1 |
| Best for Self-Custody | 7.8 | n/a |
| Best for DeFi Users | 6.7 | 6.2 |
| Best for Stablecoins | 7.8 | 7.6 |
| Best for High Spenders | 5.7 | 6.1 |
| Best for Low Fees | 8.7 | 9.3 |
| Best for Beginners | 8.6 | 7.7 |
Product
Product status
ActiveShow source
Product status: Active
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
ActiveShow source
Product status: Active
Source: X-tras pricing: plans and tiers
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
Debit cardShow source
Card type: Debit card
Source states (paraphrased): Self-custodial debit card.
Source: MetaMask Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Debit cardShow source
Card type: Debit card
Source states (paraphrased): The Wirex card is a debit card that is linked to your Wirex account.
Source: What is the Wirex card?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Network
MastercardShow source
Network: Mastercard
Source states (paraphrased): Accepted wherever Mastercard is accepted (150M+ merchants).
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Custody model
Self-custodyShow source
Custody model: Self-custody
Source states (paraphrased): Card spends from your self-custodial MetaMask wallet.
Source: MetaMask Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Card issuer / program manager
Baanx (now Monavate)*Show source
Card issuer / program manager: Baanx (now Monavate)
Program manager; US card issued by Cross River Bank
Source states (paraphrased): Powered by Baanx ( now Monavate ) and Mastercard's global payments network
Source: MetaMask and Mastercard launch the US MetaMask Card
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Program manager; US card issued by Cross River Bank
Tiers / plans
Free · MetalShow source
Tiers / plans: Free · Metal
Source states (paraphrased): | Fee type | Free tier | Metal tier |
Source: MetaMask Card limits and fees
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Standard · Premium · Elite*Show source
Tiers / plans: Standard · Premium · Elite
Each plan has Entry tier plus WXT-lock boost tiers (Enhanced/Ultimate)
Source states (paraphrased): The program offers three different X-tras subscription plans: Standard, Premium, and Elite.
Source: X-tras pricing plans and tiers
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Each plan has Entry tier plus WXT-lock boost tiers (Enhanced/Ultimate)
Fees
Annual fee
Free*Show source
Annual fee: Free
Virtual card; Metal tier $199/year
Source states (paraphrased): Virtual card has no annual or maintenance fees; Metal is $199 a year.
Source: MetaMask Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Virtual card; Metal tier $199/year
Monthly fee
Free*Show source
Monthly fee: Free
Virtual card; no maintenance fees
Source states (paraphrased): The Virtual card has no annual fees or maintenance fees
Source: MetaMask Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Virtual card; no maintenance fees
Free*Show source
Monthly fee: Free
Standard plan free; Premium €9.99/month or €102/year; Elite €29.99/month or €306/year
Source states (paraphrased): it is available to all Wirex users for free
Source: X-tras pricing plans and tiers
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Standard plan free; Premium €9.99/month or €102/year; Elite €29.99/month or €306/year
Physical card fee
Free*Show source
Physical card fee: Free
Card issuance free in all regions; delivery fee separate (EEA: 5 EUR untracked, 15 EUR DHL Express)
Source states (paraphrased): | Card Issuance | Free | Free | Free | Free | Free | Free
Source: Wirex fees
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Card issuance free in all regions; delivery fee separate (EEA: 5 EUR untracked, 15 EUR DHL Express)
Virtual card fee
FreeShow source
Virtual card fee: Free
Source states (paraphrased): Get a free digital only Virtual card
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
FX fee
0%*Show source
FX fee: 0%
Mastercard exchange rate, no additional MetaMask fee
Source states (paraphrased): Best FX rate allowed by Mastercard, no additional fees.
Source: MetaMask Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 65%
Mastercard exchange rate, no additional MetaMask fee
0%*Show source
FX fee: 0%
As stated on this help article
Source states (paraphrased): there are no annual or foreign exchange fees to worry about
Source: Benefits of the Wirex card explained
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
As stated on this help article
Crypto conversion fee
0.88%*Show source
Crypto conversion fee: 0.88%
Free and Metal tier, for other cryptocurrencies (e.g. wETH); no fee for stablecoins in cardholder's local currency/USD; 0.5% for stablecoins in a currency of neither cardholder nor merchant country; DeFi tokens (e.g. aUSDC) free up to $1,200/mo then 0.5%
Source states (paraphrased): | Other cryptocurrencies (e.g., wETH) | 0.875% |
Source: MetaMask Card limits and fees
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Free and Metal tier, for other cryptocurrencies (e.g. wETH); no fee for stablecoins in cardholder's local currency/USD; 0.5% for stablecoins in a currency of neither cardholder nor merchant country; DeFi tokens (e.g. aUSDC) free up to $1,200/mo then 0.5%
Top-up fee
Free*Show source
Top-up fee: Free
SEPA (EUR) bank transfer deposit free; local card funding 0% or more depending on currency/country
Source states (paraphrased): | Sepa (EUR)* | Free
Source: Wirex fees
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
SEPA (EUR) bank transfer deposit free; local card funding 0% or more depending on currency/country
ATM fee
2%*Show source
ATM fee: 2%
Free tier; Metal: no fee up to $1,200/mo, then 2%; ATM operator may charge additional fees
Source states (paraphrased): | ATM withdrawal 2 | 2% | No fee up to $1,200 / mo, then 2% |
Source: MetaMask Card limits and fees
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Free tier; Metal: no fee up to $1,200/mo, then 2%; ATM operator may charge additional fees
2%*Show source
ATM fee: 2%
EEA: after 200 EUR free monthly
Source states (paraphrased): Free up to 200 EUR monthly, 2% thereafter
Source: Wirex fees
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
EEA: after 200 EUR free monthly
Free ATM allowance
€200/month*Show source
Free ATM allowance: €200/month
EEA, per month
Source states (paraphrased): Free up to 200 EUR monthly, 2% thereafter
Source: Wirex fees
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
EEA, per month
Other fees & markups
1% cross-border fee when the merchant is outside the cardholder's country (Free tier; Metal: no fee, subject to fair usage) · 0.5% on stablecoins denominated in a currency of neither the cardholder's nor the merchant's country · Small variable network gas fee (typically $0.01) · DeFi tokens / tokenized yield (e.g. aUSDC): no fee up to $1,200/mo, then 0.5%Show source
Other fees & markups: 1% cross-border fee when the merchant is outside the cardholder's country (Free tier; Metal: no fee, subject to fair usage) · 0.5% on stablecoins denominated in a currency of neither the cardholder's nor the merchant's country · Small variable network gas fee (typically $0.01) · DeFi tokens / tokenized yield (e.g. aUSDC): no fee up to $1,200/mo, then 0.5%
Source states (paraphrased): | Cross-border 3 | 1% | No fee 4 |
Source: MetaMask Card limits and fees
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Card delivery fee in EEA: 5 EUR (DHL WorldMail, untracked) or 15 EUR (DHL Express) · Crypto transfers to external wallets: variable network-based fees · Local card top-up: 0% or more depending on currency and country · One-off GBP 30 administrative fee on account closure for Terms of Service violationsShow source
Other fees & markups: Card delivery fee in EEA: 5 EUR (DHL WorldMail, untracked) or 15 EUR (DHL Express) · Crypto transfers to external wallets: variable network-based fees · Local card top-up: 0% or more depending on currency and country · One-off GBP 30 administrative fee on account closure for Terms of Service violations
Source states (paraphrased): | European Economic Area | DHLWorldMail (not trackable) | 5 EUR |
Source: Wirex fees
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Cashback & rewards
Base cashback
1%*Show source
Base cashback: 1%
Virtual card, eligible purchases
Source states (paraphrased): Virtual card earns 1% back in mUSD.
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Virtual card, eligible purchases
0.5%*Show source
Base cashback: 0.5%
Standard plan, Entry tier
Source states (paraphrased): Standard Entry tier offers 0.5% Cryptoback on card purchases.
Source: X-tras pricing: plans and tiers
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Standard plan, Entry tier
Max cashback
3%*Show source
Max cashback: 3%
Metal tier ($199/yr), first $10,000 spent per year, then 1%
Source states (paraphrased): 3% mUSD back on the first $10,000 spent each year, 1% thereafter.
Source: MetaMask Metal card
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Metal tier ($199/yr), first $10,000 spent per year, then 1%
8%*Show source
Max cashback: 8%
Elite plan (€29.99/month) at the Ultimate WXT-lock tier
Source states (paraphrased): Elite Ultimate tier reaches 8% Cryptoback.
Source: X-tras pricing: plans and tiers
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Elite plan (€29.99/month) at the Ultimate WXT-lock tier
Cashback paid in
mUSDShow source
Cashback paid in: mUSD
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
WXTShow source
Cashback paid in: WXT
Source: Wirex's Cryptoback™ rewards explained
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Cashback type
StablecoinShow source
Cashback type: Stablecoin
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Crypto*Show source
Cashback type: Crypto
Cryptoback rewards program
Source states (paraphrased): Cryptoback™ , that allows you to earn cryptocurrency every time you use your card
Source: What is the Wirex card?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Cryptoback rewards program
Cashback conditions
Metal: 3% only on first $10,000 spent each year, then 1%Show source
Cashback conditions: Metal: 3% only on first $10,000 spent each year, then 1%
Source states (paraphrased): 3% mUSD back on the first $10,000 spent each year (and 1% thereafter)
Source: MetaMask Metal card
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Standard Enhanced 1%: lock 150,000 WXT for 180 days · Premium (€9.99/month): 1% Entry, 2% with 250,000 WXT, 3% with 750,000 WXT locked · Elite (€29.99/month): 4% Entry, 6% with 1,500,000 WXT, 8% with 7,500,000 WXT lockedShow source
Cashback conditions: Standard Enhanced 1%: lock 150,000 WXT for 180 days · Premium (€9.99/month): 1% Entry, 2% with 250,000 WXT, 3% with 750,000 WXT locked · Elite (€29.99/month): 4% Entry, 6% with 1,500,000 WXT, 8% with 7,500,000 WXT locked
Source states (paraphrased): Users can upgrade to the Enhanced or Ultimate tier by locking 1,500,000 WXT or 7,500,000 WXT tokens, respectively, for 180 days.
Source: X-tras pricing plans and tiers
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Staking / holding required for top rewards
Yes*Show source
Staking / holding required for top rewards: Yes
Higher tiers require locking WXT for 180 days (e.g. 150,000 WXT for Standard Enhanced)
Source: X-tras pricing: plans and tiers
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Higher tiers require locking WXT for 180 days (e.g. 150,000 WXT for Standard Enhanced)
Staking asset
WXTShow source
Staking asset: WXT
Source: X-tras pricing: plans and tiers
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Reward exclusions
Cash withdrawals · TransfersShow source
Reward exclusions: Cash withdrawals · Transfers
Source: Cryptoback™ FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit & financing
Credit line
NoShow source
Credit line: No
Source states (paraphrased): Described as a self-custodial debit card.
Source: MetaMask Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Spend own balance directly
YesShow source
Spend own balance directly: Yes
Source: MetaMask Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Availability
Available in
AD, Argentina, Austria, Belgium, Brazil, Bulgaria, Canada, Chile, Colombia, CR, Croatia, Cyprus, Denmark, DO, SV, Finland, France, Germany, GI, Greece, GT, GG, Hungary, Iceland, Ireland, IM, Italy, JE, Liechtenstein, Luxembourg, Malta, Mexico, MC, Netherlands, Norway, PA, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, UY*Show source
Available in: AD, Argentina, Austria, Belgium, Brazil, Bulgaria, Canada, Chile, Colombia, CR, Croatia, Cyprus, Denmark, DO, SV, Finland, France, Germany, GI, Greece, GT, GG, Hungary, Iceland, Ireland, IM, Italy, JE, Liechtenstein, Luxembourg, Malta, Mexico, MC, Netherlands, Norway, PA, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, UY
Full country list in the FAQ; signups in the US and the UK are temporarily closed
Source states (paraphrased): MetaMask Card is currently available in: Andorra, Argentina, Austria
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Full country list in the FAQ; signups in the US and the UK are temporarily closed
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source states (paraphrased): via Apple Pay or Google Pay
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
YesShow source
Apple Pay: Yes
Source states (paraphrased): Apple Pay makes it easy to pay with your Wirex card on your iPhone, Apple Watch, Mac, iPad, and Apple Vision Pro
Source: Wirex - Apple Pay
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Google Pay
YesShow source
Google Pay: Yes
Source states (paraphrased): via Apple Pay or Google Pay
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Physical card
Yes*Show source
Physical card: Yes
Metal tier only ($199/year); new Metal orders temporarily paused as of June 2nd, 2026; Free tier has no physical card
Source states (paraphrased): The MetaMask Metal card is a physical debit card
Source: MetaMask Metal card
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 50%
Metal tier only ($199/year); new Metal orders temporarily paused as of June 2nd, 2026; Free tier has no physical card
YesShow source
Physical card: Yes
Source states (paraphrased): The Wirex card comes in both virtual and physical forms
Source: Benefits of the Wirex card explained
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Virtual card
YesShow source
Virtual card: Yes
Source states (paraphrased): New users receive a Virtual card.
Source: MetaMask Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
YesShow source
Virtual card: Yes
Source states (paraphrased): The Wirex card comes in both virtual and physical forms
Source: Benefits of the Wirex card explained
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
ATM withdrawals
Yes*Show source
ATM withdrawals: Yes
US only; users in other regions cannot withdraw cash at ATMs
Source states (paraphrased): Card users in the United States can withdraw cash from an ATM with their card.
Source: MetaMask Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
US only; users in other regions cannot withdraw cash at ATMs
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): the physical card can be used at any point of sale or ATM that accepts Visa or Mastercard
Source: Benefits of the Wirex card explained
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
YesShow source
Spend stablecoins: Yes
Source states (paraphrased): make purchases with cash, stablecoins, and cryptocurrencies
Source: Benefits of the Wirex card explained
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Spendable assets
mUSD · wETH · EURe · GBPe · USDC · USDT*Show source
Spendable assets: mUSD · wETH · EURe · GBPe · USDC · USDT
FAQ says 'nine tokens' but lists only these six
Source states (paraphrased): Tap to pay with mUSD, wETH, EURe, GBPe, USDC, and USDT
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
FAQ says 'nine tokens' but lists only these six
Blockchains
Linea · Solana · Monad · BaseShow source
Blockchains: Linea · Solana · Monad · Base
Source states (paraphrased): MetaMask Card supports Linea, Solana, Monad and Base.
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Limits
ATM limit
$1,000*Show source
ATM limit: $1,000
Per day, Virtual column of the comparison table; Metal $5,000/day
Source states (paraphrased): $1,000 / day
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Per day, Virtual column of the comparison table; Metal $5,000/day
Spending limit
$15,000*Show source
Spending limit: $15,000
Per day, Virtual card; Metal $30,000/day
Source states (paraphrased): $15,000 / day
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Per day, Virtual card; Metal $30,000/day
Annual cost at 1,500 EUR/month
MetaMask Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−24 EUR
- Cashback+180 EUR
- Net annual value156 EUR
Wirex Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+90 EUR
- Net annual value90 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers