ether.fi Cash vs Wirex Card

Product status: Active

Source states (paraphrased): Help center describes current personal and corporate Cash cards.

Source: What are the benefits of a personal Cash credit card?

Official help center / FAQ (tier 1)

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

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: Crypto-backed credit

Marketed as a credit card; Direct Pay mode spends your own balance

Source states (paraphrased): Help center: Borrow Mode borrows against your assets, Direct Pay Mode spends them.

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

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

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%

Network: Visa

Source states (paraphrased): The card program is issued by the Issuer under license from Visa.

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

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

Custody model: Self-custody

Account is non-custodial; the card itself is issued by a third-party issuer under separate terms

Source states (paraphrased): Personal account page: fully non-custodial, you retain full ownership and control of your funds; card issued subject to separate issuer terms.

Source: Personal Account

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%

Card issuer / program manager: Third National (issuer under Visa license); program by Ether.Fi Cash Ltd.

International cardholder agreement (Ltd.); US persons are covered by separate US agreements

Source states (paraphrased): The Ether.Fi Card is issued by Third National pursuant to a license from Visa.

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

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

Tiers / plans: Core · Luxe · Pinnacle · VIP

Source states (paraphrased): Membership level benefits table lists Core, Luxe, Pinnacle and VIP.

Source: Membership level benefits

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

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%

Annual fee: Free

Core membership; Luxe ($199/yr) and Pinnacle ($999/yr) can optionally be bought or earned via Liquid deposits / ETHFI staking

Source states (paraphrased): Core — Free for everyone

Source: https://www.ether.fi/personal/compare

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Monthly fee: Free

Core membership

Source states (paraphrased): Core — Free for everyone

Source: https://www.ether.fi/personal/compare

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

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%

Physical card fee: $60

Core, including shipping; Luxe and higher get 1 free

Source states (paraphrased): Physical card: $60, including shipping

Source: https://www.ether.fi/personal/compare

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Virtual card fee: Free

First virtual card free on Core; $10 in some regions and for further cards

Source states (paraphrased): Virtual cards: 1 free

Source: https://www.ether.fi/personal/compare

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

FX fee: 1.5%

Up to; Core tier: ~1% base rate + up to 0.5% membership margin (Luxe up to 0.25%, none for Pinnacle/VIP). EUR purchases 0% (beta)

Source states (paraphrased): Cardholder agreement: 1% base plus up to 50 bps for Core and up to 25 bps for Luxe.

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%

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%

ATM fee: 2%

Source states (paraphrased): Campaign page lists a 2% ATM fee for all tiers.

Source: The DeFi-Native Crypto Credit Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%

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%

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%

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: 4%

VIP membership, on the first $50,000 of card spend per month

Source states (paraphrased): VIP: 4% on the first $50,000 of monthly card spend.

Source: Membership level benefits

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%

Cashback paid in: ETHFI

Source states (paraphrased): Cashback is converted to ETHFI at the current price.

Source: How does cashback work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

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: Platform token

Source: How does cashback work?

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%

Interest on balance: 5.35%

USD Earn vault (ether.fi Liquid), variable APY, not guaranteed; EUR vault 5.29% APY; DeFi vault risk

Source states (paraphrased): USD Earn 5.35% APY · EUR Earn 5.29% APY · APY is variable and not guaranteed.

Source: https://www.ether.fi/earn

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Cashback-eligible spend cap: $2,000/month

Core; Luxe $10,000, Pinnacle/VIP $50,000 per month

Source states (paraphrased): Monthly spend caps per tier: $2,000 / $10,000 / $50,000 / $50,000.

Source: Membership level benefits

Official help center / FAQ (tier 1)

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

Cashback conditions: Rates step down progressively with total monthly spend · EUR transactions use lower thresholds and rates · Spend tiers reset at the start of every month

Source states (paraphrased): Cashback rates are applied progressively based on your total spend each calendar month.

Source: How does cashback work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

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 expiry / vesting: Converted to ETHFI at settlement, locked for 7 days, then must be claimed

Source states (paraphrased): Cashback enters a 7-day lock period and must be claimed to reach your balance.

Source: How does cashback work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Reward exclusions: ATM withdrawals and cash advances · P2P payments and transfers · Currency exchange services · Tax and government payments · Gift cards, stored-value cards, money orders and cash equivalents · MCC 6011, 6012, 6211, 6513 (rent), 6532, 7995 (gambling)

Source states (paraphrased): The following transactions are not Qualifying Transactions and do not earn crypto cashback

Source: How does cashback work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 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: Yes

Borrow Mode

Source states (paraphrased): Borrow Mode purchases borrow against your assets instead of selling them.

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

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

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%

Credit type: Crypto-backed credit

Source states (paraphrased): Spending in Borrow Mode is capped at the available LTV of deposited collateral.

Source: How does Collateral and Borrowing work?

Official help center / FAQ (tier 1)

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

Collateral assets: USDC · USDT · EURC · frxUSD · weETH · WETH · eBTC · ETHFI · sETHFI · OP · WHYPE · beHYPE · liquidETH · liquidBTC · liquidUSD · liquidReserve · liquidEUR · liquidRWA · QQQx · SPYx · PAXG · TBLLx

Aave LendGateway Product LTV list for the Optimism lending market (parameters updated August 27, 2026); eUSD no longer counts as collateral

Source states (paraphrased): Supported assets and their Product LTV

Source: How does Collateral and Borrowing work?

Official help center / FAQ (tier 1)

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

Max loan-to-value: 81%

Aave LendGateway Product LTV for USDC, USDT, EURC, frxUSD; volatile assets lower (weETH/WETH 55%, ETHFI/OP 20%); legacy Cash DebtManager LTV was 90% for stablecoins

Source states (paraphrased): USDC | 81%

Source: How does Collateral and Borrowing work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

Interest notes: Variable APY set by the underlying Aave v4 lending market per asset; accrues immediately and compounds continuously

Source states (paraphrased): variable APY, set by the underlying lending market for each asset (borrowing runs through Aave v4 markets) - not a fixed rate

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

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

Grace period: None; interest accrues immediately after borrowing

Source states (paraphrased): There is no grace period

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

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

Repayment: Repay all or part of the outstanding balance at any time, without penalty, by means permitted in the Ether.Fi Account

Source states (paraphrased): you may pay all or any part of your outstanding Account balance, without penalty

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%

Liquidation risk: Yes

Source states (paraphrased): Help center lists per-asset liquidation thresholds.

Source: How does Collateral and Borrowing work?

Official help center / FAQ (tier 1)

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

Spend own balance directly: Yes

Source states (paraphrased): Direct Pay Mode spends your balance.

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

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

Spend by borrowing against collateral: Yes

Source states (paraphrased): Borrow Mode borrows against your collateral.

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

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

Available in: AD, AO, AG, Argentina, Australia, Austria, BS, BH, BD, BB, BZ, BO, Brazil, VG, Bulgaria, Canada, KY, Chile, Colombia, CR, Croatia, Cyprus, Czechia, Denmark, DM, DO, EC, SV, France, Germany, GI, Greece, GG, GT, GY, HN, Hong Kong, Hungary, Iceland, Indonesia, IM, Italy, Japan, JE, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, MV, Malta, Mexico, MC, New Zealand, Nigeria, Norway, OM, PW, PA, PY, Peru, Philippines, Poland, Portugal, PR, Romania, Saudi Arabia, SC, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, KN, LC, VC, SR, Sweden, Switzerland, TW, Thailand, TT, TC, United Arab Emirates, United Kingdom, UY, VU, Belgium, Ireland, United States

Subject to KYC; Belgium and Ireland eligible but no physical card delivery; US only in listed states (AL, AK, AR, CA, CO, CT, DC, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY); unlisted jurisdictions cannot apply for virtual or physical card

Source states (paraphrased): ether.fi Cash is available to eligible Personal and Corporate members in the supported jurisdictions listed below

Source: In which countries is the Cash card available?

Official help center / FAQ (tier 1)

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

Apple Pay: Yes

Only where Apple Pay is supported

Source states (paraphrased): Help article explains adding the card to Apple Wallet and Google Pay.

Source: How do I add my card to Apple Wallet or Google Pay?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

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%

Google Pay: Yes

Source states (paraphrased): Help article explains adding the card to Google Pay.

Source: How do I add my card to Apple Wallet or Google Pay?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Physical card: Yes

Not shipped to every eligible region

Source states (paraphrased): Available as both a virtual and physical card.

Source: What is ether.fi Cash?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 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%

Virtual card: Yes

Source states (paraphrased): Available as both a virtual and physical card.

Source: What is ether.fi Cash?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 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%

ATM withdrawals: Yes

Not permitted in North Korea, Iran and Myanmar

Source states (paraphrased): You can withdraw cash from ATMs using your ether.fi Cash card

Source: What are the transaction limits and fees for personal Cash credit cards?

Official pricing / fee schedule (tier 1)

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

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: Yes

Source states (paraphrased): This works whether your spending token is USDC or EURC

Source: EUR purchases 0% FX Rate

Official help center / FAQ (tier 1)

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

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%

Airport lounge access: Yes

Core: 2 free passes to premium lounges; unlimited from Pinnacle

Source states (paraphrased): Airport lounge access: 2 Free passes to premium lounges

Source: https://www.ether.fi/personal/compare

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Travel / rental car insurance: Yes

Auto rental coverage, shared across all memberships

Source states (paraphrased): Travel benefits shared across all memberships: Auto rental coverage

Source: https://www.ether.fi/personal/compare

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Purchase protection: Yes

Purchase and price protection, all memberships

Source states (paraphrased): Purchase and price protection

Source: https://www.ether.fi/personal/compare

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Spendable assets: USDC · LiquidUSD

Direct Pay Mode spend assets; Borrow Mode can use all vault assets as collateral

Source states (paraphrased): from your USDC or LiquidUSD balance

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

Blockchains: Ethereum · Polygon · Optimism · Arbitrum · Scroll

Definition of Supported Blockchains in the card terms (page spells Arbitrum as 'Arbitrium'); other networks may be added

Source states (paraphrased): "Supported Blockchains" means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain, Scroll Blockchain

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%

ATM limit: $25,000

Per rolling 24 hours, same for all tiers; max $5,000 per transaction and 5 withdrawals per 24 hours

Source states (paraphrased): | Core | $5,000 | 5 | $25,000

Source: What are the transaction limits and fees for personal Cash credit cards?

Official pricing / fee schedule (tier 1)

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

Regulation / licences: Ether.Fi states it is not licensed to provide financial services as part of the Card Services

Nigeria: card marketed by BANEX Microfinance Bank, licensed by the Central Bank of Nigeria; terms governed by Puerto Rico law

Source states (paraphrased): You acknowledge that Ether.Fi is not licensed to provide any financial services

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

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

Deposit protection: No

Account Balance Protection (Core up to $10K) is not yet live and is not deposit insurance

Source states (paraphrased): This is not deposit insurance

Source: Membership level benefits

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%

Smart-contract risk: Yes

Source states (paraphrased): qualifying losses caused by unauthorized third-party exploits of ether.fi account smart contracts

Source: Membership level benefits

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%