Wirex Card vs Wise Card

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%

Product status: Active

Source: Fees for holding, receiving, and spending money

Official pricing / fee schedule (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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%

Card type: Debit card

Source states (paraphrased): Select the option to order your Wise debit card

Source: How to use the Wise card abroad: for Brits

Official announcement (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Network: Visa

Visa in Ireland and the EEA; network depends on issuing country

Source states (paraphrased): In Ireland and across the EEA, the Wise card is a Visa debit card.

Source: Is Wise card debit or credit? - Wise

Official announcement (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

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%

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%

Monthly fee: Free

No subscription required

Source: Fees for holding, receiving, and spending money

Official pricing / fee schedule (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Physical card fee: €7

Ireland page; one-time card order fee

Source states (paraphrased): Ordering a physical card | €7

Source: Is Wise card debit or credit? - Wise

Official announcement (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Virtual card fee: Free

Ireland page

Source states (paraphrased): Generating digital cards | Free

Source: Is Wise card debit or credit? - Wise

Official announcement (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Replacement fee: €4

Ireland page; free if the card was expiring

Source states (paraphrased): Replacing a card | €4 - unless it was expiring in which case it’s free

Source: Is Wise card debit or credit? - Wise

Official announcement (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

FX fee: 0.43%

From; varies by currency pair; 0% when spending a currency you hold

Source: Fees for holding, receiving, and spending money

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

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%

Top-up fee: Free

Domestic bank transfer only; other payment methods have varying fees

Source states (paraphrased): it’s free if you send a domestic bank transfer to your Wise account details

Source: Fees for holding, receiving, and spending money

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

ATM fee: 2.69%

Eurozone-issued cards, above the free allowance; ATM operators may add fees

Source: Card payments abroad from France: what are the fees

Official announcement (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

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%

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%

Other fees & markups: Conversion fee when spending a currency not held in the account · Fee may apply to get or replace the card · ATM withdrawals free only up to a certain amount

Spending a currency you hold is free

Source states (paraphrased): There may be a fee to get or replace your card.

Source: Fees for holding, receiving, and spending money

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

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%

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%

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: 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%

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

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%

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 · Transfers

Source: Cryptoback™ FAQ

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Credit line: No

Source states (paraphrased): you’re not borrowing any money

Source: Is Wise card debit or credit? - Wise

Official announcement (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Spend own balance directly: Yes

Source states (paraphrased): the money is coming directly from the balance in your Wise Account

Source: Is Wise card debit or credit? - Wise

Official announcement (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Available in: Australia, Brazil, Canada, EEA, Switzerland, GF, GP, MQ, YT, RE, BL, MF, Israel, Japan, Malaysia, New Zealand, Philippines, Singapore, Thailand, United Kingdom, FK, GG, GI, IM, JE, KY, AD, MC, PM, SX, United States

Personal customers; USA except residents of Nevada; Thailand only for accounts registered on or after 21 January 2026; business customers in Malaysia excluded; includes French overseas departments/regions and UK-linked European microstates and overseas territories

Source states (paraphrased): The Wise card is available to personal customers that live in these countries and regions:

Source: Can I get the Wise card in my country?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Not available in: Hong Kong

Cards are blocked on moving to Hong Kong; no new card offered

Source states (paraphrased): If you move to Hong Kong, we have to automatically block your Wise cards

Source: Can I get the Wise card in my country?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

Account / spend currencies: EUR · GBP · USD · and many more

Source: Getting started with the Wise card

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Own IBAN / bank details: Yes

Personal accounts; business accounts may pay a one-time setup fee

Source states (paraphrased): Getting account details is free for personal accounts.

Source: Fees for holding, receiving, and spending money

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

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%

Apple Pay: Yes

Source states (paraphrased): add them to a mobile wallet such as Apple Pay or Google Pay

Source: Getting started with the Wise card

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Google Pay: Yes

Source states (paraphrased): add them to a mobile wallet such as Apple Pay or Google Pay

Source: Getting started with the Wise card

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

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%

Physical card: Yes

Source states (paraphrased): This applies to both physical and digital cards.

Source: Can I get the Wise card in my country?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

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%

Virtual card: Yes

Source states (paraphrased): This applies to both physical and digital cards.

Source: Can I get the Wise card in my country?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

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%

ATM withdrawals: Yes

Source states (paraphrased): Withdrawing cash from ATMs is free up to a certain amount.

Source: Fees for holding, receiving, and spending money

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

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%

Regulation / licences: Wise Europe SA: authorised payment institution supervised by the National Bank of Belgium

EU entity

Source states (paraphrased): In the EU, Wise Europe SA is an authorised payment institution supervised by the National Bank of Belgium.

Source: How our EU entity, Wise Europe SA, safeguards customer funds | Wise Help Centre

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%

Deposit protection: No

Funds safeguarded (cash at commercial banks and money market funds), not covered by the Belgian Deposit Guarantee Scheme; Assets investment feature has separate Estonian Guarantee Fund protection

Source states (paraphrased): our payment services aren't subject to the Belgian Deposit Guarantee Scheme

Source: How our EU entity, Wise Europe SA, safeguards customer funds | Wise Help Centre

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%