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Wirex One Card vs Zoomex Card

Wirex One Card

Crypto native

7.0
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Zoomex Card

Crypto native

5.2
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Verdict

  • Wirex One Card scores higher overall (7.0 vs 5.2 out of 10).
  • Wirex One Card is clearly stronger on: Fees, Cashback & rewards, FX & international, Product features.
  • 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, FX & international, Product features

Zoomex Card is a good fit for

  • Stablecoin holders

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesWirex One Card vs ether.fi CashZoomex Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionWirex One CardZoomex Card
Fees10088
Cashback & rewards4421
Availability––
FX & international10020
Product features7056
Custody & security–60
Credit & financing3030
Limits & ATM100–
Transparency100100
Best for Cashback6.34.3
Best for Travel8.64.5
Best for DeFi Users6.05.1
Best for Stablecoins7.85.5
Best for High Spenders6.94.0
Best for Low Fees10.06.7
Best for Beginners7.46.7

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
Prepaid cardConditions apply: tap or hover for detailsShow source

Spends the UR account balance funded with USDC

Network

Visa / MastercardConditions apply: tap or hover for detailsShow source

Physical card Visa or Mastercard; metal card Visa Signature

No data yet

Custody model

No data yet
CustodialConditions apply: tap or hover for detailsShow source

Fiat held by UR (SR Saphirstein AG)

Card issuer / program manager

No data yet
UR — SR Saphirstein AG, Swiss fintech licence (Art. 1b Banking Act), FINMA-supervisedShow source

Tiers / plans

Base · Premium · Elite · Private · BespokeShow source
No data yet

Fees

Annual fee

FreeShow source
FreeShow source

Monthly fee

FreeShow source
No data yet

Virtual card fee

No data yet
FreeShow source

FX fee

0%Show source
2%Conditions apply: tap or hover for detailsShow source

1–2%

Crypto conversion fee

No data yet
1%Conditions apply: tap or hover for detailsShow source

Crypto to fiat; fiat to crypto 0%

ATM fee

FreeConditions apply: tap or hover for detailsShow source

Wirex fee; operator fees not addressed

No data yet

Cashback & rewards

Base cashback

0.5%Conditions apply: tap or hover for detailsShow source

Base tier

1%Conditions apply: tap or hover for detailsShow source

Credited monthly to the Zoomex funding account; campaign rules still being prepared

Max cashback

8%Conditions apply: tap or hover for detailsShow source

Top tier; tier set by portfolio size and share held in WPAY

1%Show source

Cashback paid in

USDShow source
No data yet

Cashback type

FiatShow source
No data yet

Interest on balance

9.75%Conditions apply: tap or hover for detailsShow source

Up to; stablecoin savings, flexible or fixed terms

No data yet

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
Sign-up reward: spend $5, get $10Show 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

No data yet

Staking asset

WPAYShow source
No data yet

Credit & financing

Credit line

NoShow source
NoShow source

Availability

Account / spend currencies

No data yet
USD · EUR · CHF · JPY · SGD · HKDShow source

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
NoConditions apply: tap or hover for detailsShow source

Initial version is virtual only

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
No data yet

Spend stablecoins

YesShow source
YesConditions apply: tap or hover for detailsShow source

USDC is moved into the UR account and converted

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

Zoomex Card

  • Annual & monthly fees+0 EUR
  • FX costs−72 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+180 EUR
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Wirex One Card comparisons

More Zoomex Card comparisons