Wirex One Card vs Xapo Bank Card
Crypto native
Crypto enabled
Verdict
- Wirex One Card scores higher overall (7.0 vs 5.4 out of 10).
- Wirex One Card is clearly stronger on: Fees, Cashback & rewards, Product features, Limits & ATM, Transparency.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Wirex One Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: Fees, Cashback & rewards, Product features, Limits & ATM, Transparency
Xapo Bank Card is a good fit for
- Frequent travellers
★ 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 | Wirex One Card | Xapo Bank Card |
|---|---|---|
| Fees | 100 | 49 |
| Cashback & rewards | 44 | 24 |
| Availability | – | – |
| FX & international | 100 | 100 |
| Product features | 70 | 53 |
| Custody & security | – | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 100 | 62 |
| Transparency | 100 | 86 |
| Best for Cashback | 6.3 | 4.3 |
| Best for Travel | 8.6 | 6.8 |
| Best for DeFi Users | 6.0 | n/a |
| Best for Stablecoins | 7.8 | n/a |
| Best for High Spenders | 6.9 | 4.8 |
| Best for Low Fees | 10.0 | 6.9 |
| Best for Beginners | 7.4 | 5.7 |
| Best E-Money Card | n/a | 6.6 |
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
Debit cardShow source
Debit cardShow source
Network
Visa / MastercardConditions apply: tap or hover for detailsShow source
Physical card Visa or Mastercard; metal card Visa Signature
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Tiers / plans
Base · Premium · Elite · Private · BespokeShow source
Fees
Annual fee
FreeShow source
$1,000/yearConditions apply: tap or hover for detailsShow source
Xapo Bank membership, card included
Monthly fee
FreeShow source
Physical card fee
FreeConditions apply: tap or hover for detailsShow source
Card included in the membership; additional replacement card in a year 25 USD
FX fee
0%Show source
0%Conditions apply: tap or hover for detailsShow source
Network exchange rate, no Xapo markup
Crypto conversion fee
0.1%Conditions apply: tap or hover for detailsShow source
Spread when spending from the BTC wallet
ATM fee
FreeConditions apply: tap or hover for detailsShow source
Wirex fee; operator fees not addressed
2%Conditions apply: tap or hover for detailsShow source
Outside Gibraltar, above the free monthly allowance; operator fees separate
Free ATM allowance
$100/monthShow source
Cashback & rewards
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
1%Conditions apply: tap or hover for detailsShow source
Up to, on qualifying purchases
Cashback paid in
USDShow source
BTCShow source
Cashback type
FiatShow source
CryptoShow source
Interest on balance
9.75%Conditions apply: tap or hover for detailsShow source
Up to; stablecoin savings, flexible or fixed terms
4.1%Conditions apply: tap or hover for detailsShow source
Standard variable rate on USD Savings product (not card balance), paid daily in BTC; promo 4.6% for first-time members
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
Credit & financing
Credit line
NoShow source
NoShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Complimentary metal card with the membership
Virtual card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Included in the membership (metal, standard and virtual cards)
ATM withdrawals
YesShow source
YesConditions apply: tap or hover for detailsShow source
Free up to USD 100 per month, then 2%
Spend stablecoins
YesShow source
NoConditions apply: tap or hover for detailsShow source
USDC/USDT deposits convert automatically to USD; the card spends USD or BTC
Limits
ATM limit
$2,000Conditions apply: tap or hover for detailsShow source
Per day
Security & custody
Regulation / licences
Xapo Bank Limited: credit institution regulated by the GFSC (Permission No. 23171) · USD deposits covered by the Gibraltar Deposit Guarantee Scheme up to GBP 120,000 · crypto via Xapo VASP Limited (GFSC DLT Provider, No. 26061)Show source
Annual cost at 1,500 EUR/month
Wirex One Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+90 EUR
- Net annual value90 EUR
Xapo Bank Card
- Annual & monthly fees−898 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−2 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers