Morse Card vs Wirex Card
Crypto native
Crypto native
Verdict
- Morse Card and Wirex Card have the same overall score (6.4/10).
- Wirex Card is clearly stronger on: Product features, Limits & ATM.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Morse Card is a good fit for
- People who want to keep control of their keys
- Frequent travellers
Wirex Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: Product features, Limits & ATM
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
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.
Score by criterion
| Criterion | Morse Card | Wirex Card |
|---|---|---|
| Fees | – | 100 |
| Cashback & rewards | 34 | 26 |
| Availability | 100 | – |
| FX & international | 100 | 100 |
| Product features | 42 | 70 |
| Custody & security | 95 | – |
| Credit & financing | – | 30 |
| Limits & ATM | 20 | 64 |
| Transparency | 100 | 93 |
| Best for Cashback | 5.2 | 5.2 |
| Best for Travel | 6.8 | 7.9 |
| Best for Self-Custody | 7.5 | n/a |
| Best for DeFi Users | 6.4 | 5.6 |
| Best for Stablecoins | n/a | 7.4 |
| Best for High Spenders | 5.0 | 5.8 |
| Best for Low Fees | 6.6 | 9.4 |
| Best for Beginners | 6.8 | 7.1 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Prepaid card, Debit cardShow source
Debit cardShow source
Network
VisaShow source
Visa / MastercardConditions apply: tap or hover for detailsShow source
Visa or Mastercard depending on region
Custody model
Self-custodyShow source
Card issuer / program manager
Lead Bank (issuer); Bridge Ventures LLC (program manager)Show source
Tiers / plans
Standard · Premium · EliteConditions apply: tap or hover for detailsShow source
Each plan has Entry tier plus WXT-lock boost tiers (Enhanced/Ultimate)
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
No annual card fee; paid X-tras plans are billed monthly
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Standard plan free; Premium €9.99/month or €102/year; Elite €29.99/month or €306/year
Physical card fee
FreeConditions apply: tap or hover for detailsShow source
Card issuance free in all regions; delivery fee separate (EEA: 5 EUR untracked, 15 EUR DHL Express)
FX fee
0%Conditions apply: tap or hover for detailsShow source
Stated for transfers/exchange at the real exchange rate
0%Conditions apply: tap or hover for detailsShow source
As stated on this help article
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
SEPA (EUR) bank transfer deposit free; local card funding 0% or more depending on currency/country
ATM fee
2%Conditions apply: tap or hover for detailsShow source
EEA: after 200 EUR free monthly
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
EEA, per month
Transfer fee
FreeConditions apply: tap or hover for detailsShow source
Sending money to other Morse users, any country or currency, is free; fees apply to e.g. direct bank/IBAN/Pix/CLABE/Bre-B sends to a country you do not live in
Other fees & markups
Paying with Morse Card online and contactless is free · Some transactions include a small fee shown before sending; fee may apply per Cardholder AgreementShow source
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
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Currently only for Morse Card holders in Mexico and Colombia; users referred or with a promo code get 10% for first 30 days (up to 20 USD) then 1%
0.5%Conditions apply: tap or hover for detailsShow source
Standard plan, Entry tier
Max cashback
8%Conditions apply: tap or hover for detailsShow source
Elite plan (€29.99/month) at the Ultimate WXT-lock tier
Cashback paid in
Morse BalanceShow source
WXTShow source
Cashback type
CryptoConditions apply: tap or hover for detailsShow source
Cryptoback rewards program
Interest on balance
3%Conditions apply: tap or hover for detailsShow source
Earn Wallet; shown for US and Mexico
Max cashback per month
$100/monthConditions apply: tap or hover for detailsShow source
Per month; the 10% promo rate for referred/promotional users is capped at 20 USD in the first 30 days
Cashback conditions
Only available to certain users in Mexico and Colombia; must be a Morse Card holder living there · Cashback credited within 48 hours of the transaction settling · Residents of New York State are ineligible for Morse CardShow source
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
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Higher tiers require locking WXT for 180 days (e.g. 150,000 WXT for Standard Enhanced)
Staking asset
WXTShow source
Reward exclusions
Gaming and in-app purchases · Gift cards · Betting and gambling · Casinos · Financial apps and services · Spending at Wompi, Bold, ePayco, Contreras Tech, OpenPay, Whop, PayPal, AstroPay, Airbnb, Global Co, Edupacks, and Lucid Trading · Canceled, reversed, refunded, charged back or disputed purchasesShow source
Cash withdrawals · TransfersShow source
Credit & financing
Credit line
NoConditions apply: tap or hover for detailsShow source
debit card
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
150+ countries
Account / spend currencies
USD · EUR · MXN · BRLConditions apply: tap or hover for detailsShow source
Account details for receiving
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Account details for receiving payments
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
Physical card
NoConditions apply: tap or hover for detailsShow source
Fully virtual for now; physical card coming soon
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
NoConditions apply: tap or hover for detailsShow source
ATM withdrawals coming soon
YesShow source
Spend stablecoins
YesShow source
Spendable assets
BTC · ETH · USDC · USDTConditions apply: tap or hover for detailsShow source
Crypto wallet deposits; spending from Morse balance
Blockchains
SolanaConditions apply: tap or hover for detailsShow source
Free deposits/withdrawals of USDC, USDG or EURC via Solana
Security & custody
Regulation / licences
US Money Services Business (Avian Labs) · MiCA CASP authorised by AFM Netherlands (registration 41000005) · NMLS ID 2639252 (Avian Labs USA, Inc.)Conditions apply: tap or hover for detailsShow source
Applies to Avian Labs, the platform provider
Annual cost at 1,500 EUR/month
Morse Card
- Annual & monthly feesunknown
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
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