Wirex Card
Multi-currency crypto and fiat card. Cryptoback rewards are paid in WXT and depend on the X-tras plan (Standard, Premium, Elite) and a WXT lock tier within the plan.
Base cashback
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%
Max cashback
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%
Base fee
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%
FX 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%
ATM fee
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%
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%
Credit line
No*Show source
Credit line: No
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)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Staking needed
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%
Tap a value for its source. * = conditions apply.
At a glance
Pros
- No annual or monthly fee on the base tier
- No FX markup from the issuer
- Spends stablecoins directly
- Free ATM withdrawals up to €200/month
Cons
- Top rate of 8% only with conditions — Elite plan (€29.99/month) at the Ultimate WXT-lock tier
- Higher rewards require staking or holding WXT
Good for
- Stablecoin holders
- Frequent travellers
Not for
- Anyone unwilling to lock up a platform token
Risks to understand
- Staking/holding requirements expose you to the price risk of the platform token.
- Stablecoins can de-peg and are not covered by deposit protection.
All details
Fees7/15
- Monthly fee
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)
- FX 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
- 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%
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
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%
Not yet researched: Annual fee, Virtual card fee, Replacement fee, Crypto conversion fee, Crypto withdrawal fee, Transfer fee, Settlement fee, Small transaction fee.
Cashback & rewards8/14
- Base cashback
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
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
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
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
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%
Not yet researched: Interest on balance, Cashback-eligible spend cap, Max cashback per month, Capital required for top rewards, Minimum balance, Reward expiry / vesting.
Credit & financing1/11
- Credit line
No*Show source
Credit line: No
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)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
debit card
Not yet researched: Credit type, Collateral assets, Max loan-to-value, Interest (APR), Interest notes, Grace period, Repayment, Liquidation risk, Spend own balance directly, Spend by borrowing against collateral.
Supported countries & currencies0/4
No availability data published or researched yet.
Features, wallets & supported assets5/11
- Apple Pay
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%
- 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): 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
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 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%
Not yet researched: Google Pay, Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets, Blockchains.
Security & custody0/3
No security & custody data published or researched yet.
Limits0/2
No limits data published or researched yet.
Product3/7
- Product status
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): 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%
- Tiers / plans
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)
Not yet researched: Network, Custody model, Launch date, Card issuer / program manager.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year · Per-transaction costs ≈ 0.00% | 20% | 100 |
Cashback & rewards Top rate requires staking/holding (−30 % on the max component) | 20% | 26 |
Availability | 15% | No data — excluded |
FX & international FX fee 0% | 10% | 100 |
Product features 5 of 5 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 70 |
Custody & security | 10% | No data — excluded |
Credit & financing No credit line | 5% | 30 |
Limits & ATM ATM cost on €200 ≈ 2.0% · Free ATM allowance ≈ €200/month | 5% | 64 |
Transparency 4 of 4 checked key terms disclosed · 2 contradiction(s) between official sources | 5% | 86 |
Data coverage 75%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Does Wirex Card have an annual or monthly fee?
Base tier: Free (Standard plan free; Premium €9.99/month or €102/year; Elite €29.99/month or €306/year). Source: X-tras pricing plans and tiers.
What is the FX fee of Wirex Card?
0% (As stated on this help article). Source: Benefits of the Wirex card explained.
How much cashback does Wirex Card pay?
Base rate: 0.5% (Standard plan, Entry tier). Highest advertised rate: 8% (Elite plan (€29.99/month) at the Ultimate WXT-lock tier). Paid in WXT.
Is Wirex Card a credit card?
No. It is a debit card; you spend your own balance.
Does Wirex Card work with Apple Pay and Google Pay?
Apple Pay: Yes. Google Pay: no data.
Change history28 entries
- Credit line not disclosed → false · 24 October 2026 · approved
- Apple Pay not disclosed → true · 24 October 2026 · approved
- Cashback type "token" → "crypto" · 24 October 2026 · approved
- Card type not disclosed → ["debit"] · 24 October 2026 · approved
- Cashback conditions ["Monthly caps: 20,000 WXT (Standard), 100,000 WXT (Premium), 250,000 WXT (Elite)","Per-transaction caps: 250 / 1,500 / 9,000 WXT","Rates vary by region, plan, tier and merchant category"] → ["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"] · 24 October 2026 · approved
- Monthly fee not disclosed → {"amount":0,"currency":"EUR"} · 24 October 2026 · approved
- Tiers / plans ["Standard","Premium (€9.99/month or €102/year)","Elite (€29.99/month or €306/year)"] → ["Standard","Premium","Elite"] · 24 October 2026 · approved
- Other fees & markups ["Card issuance or replacement fees may apply depending on region","Blockchain network fee on crypto withdrawals"] → ["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"] · 24 October 2026 · approved
- Top-up fee not disclosed → {"fixed":{"amount":0,"currency":"EUR"}} · 24 October 2026 · approved
- ATM fee not disclosed → {"percent":2} · 24 October 2026 · approved
- Free ATM allowance not disclosed → {"amount":200,"currency":"EUR"} · 24 October 2026 · approved
- Physical card fee not disclosed → {"amount":0,"currency":"EUR"} · 24 October 2026 · approved
- FX fee not disclosed → 0 · 23 October 2026 · approved
- Spend stablecoins not disclosed → true · 23 October 2026 · approved
- ATM withdrawals not disclosed → true · 23 October 2026 · approved
- Virtual card not disclosed → true · 23 October 2026 · approved
- Physical card not disclosed → true · 23 October 2026 · approved
- Cashback conditions recorded · 22 October 2026 · auto-approved
- Staking asset recorded · 22 October 2026 · auto-approved
- Staking / holding required for top rewards recorded · 22 October 2026 · auto-approved
- Cashback type recorded · 22 October 2026 · auto-approved
- Cashback paid in recorded · 22 October 2026 · auto-approved
- Max cashback recorded · 22 October 2026 · auto-approved
- Base cashback recorded · 22 October 2026 · auto-approved
- Product status recorded · 22 October 2026 · auto-approved