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N26 vs Wirex One Card

N26

E-money / FinTech

6.2
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Wirex One Card

Crypto native

7.0
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Verdict

  • Wirex One Card scores higher overall (7.0 vs 6.2 out of 10).
  • Wirex One Card is clearly stronger on: Fees, Cashback & rewards, Limits & ATM.
  • For 1,500 EUR/month of spend, Wirex One Card comes out about 110 EUR a year ahead on base-tier terms.

N26 is a good fit for

  • Frequent travellers

Wirex One Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: Fees, Cashback & rewards, Limits & ATM

★ 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 & sourcesN26 vs ether.fi CashWirex One Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionN26Wirex One Card
Fees82100
Cashback & rewards444
Availability70–
FX & international100100
Product features7070
Custody & security75–
Credit & financing3030
Limits & ATM66100
Transparency93100
Best for Cashback4.16.3
Best for Travel7.68.6
Best for DeFi Usersn/a6.0
Best for Stablecoinsn/a7.8
Best for High Spenders4.76.9
Best for Low Fees8.610.0
Best for Beginners7.17.4
Best E-Money Card8.2n/a

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

MastercardShow source
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

No data yet

Tiers / plans

Standard · Smart · Go · MetalShow source
Base · Premium · Elite · Private · BespokeShow source

Fees

Annual fee

No data yet
FreeShow source

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Standard account

FreeShow source

Physical card fee

€10Conditions apply: tap or hover for detailsShow source

Standard plan; included in Smart, Go and Metal

No data yet

Virtual card fee

FreeConditions apply: tap or hover for detailsShow source

First virtual card free on Standard

No data yet

FX fee

0%Conditions apply: tap or hover for detailsShow source

Page lists worldwide card payments as free on all plans; exchange rate not stated on this page

0%Show source

Crypto conversion fee

1.5%Conditions apply: tap or hover for detailsShow source

N26 Crypto (Bitpanda) trading fee for Bitcoin; 2.5% for other coins, 3.5% for low-liquidity coins; N26 Metal 0.5% discount up to €5,000 order volume per month

No data yet

ATM fee

1.7%Conditions apply: tap or hover for detailsShow source

Withdrawals outside the eurozone on Standard and Smart; free on Go and Metal. Euro withdrawals: 2 free per month on Standard (3 Smart, 5 Go, 8 Metal); fee beyond the quota not stated on this page

FreeConditions apply: tap or hover for detailsShow source

Wirex fee; operator fees not addressed

Other fees & markups

N26 Standard: one-off fee covering delivery of a physical debit card (amount not stated)Show source
No data yet

Cashback & rewards

Base cashback

0%Conditions apply: tap or hover for detailsShow source

Standard: no cashback; Go and Metal get 1% travel cashback

0.5%Conditions apply: tap or hover for detailsShow source

Base tier

Max cashback

1%Conditions apply: tap or hover for detailsShow source

Travel cashback on Go (9.90 €/month) and Metal (16.90 €/month) only

8%Conditions apply: tap or hover for detailsShow source

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

Cashback paid in

No data yet
USDShow source

Cashback type

No data yet
FiatShow source

Interest on balance

0.3%Conditions apply: tap or hover for detailsShow source

Tagesgeld (savings) on Standard, variable; Go 0.50%, Metal 1.50% p.a.

9.75%Conditions apply: tap or hover for detailsShow source

Up to; stablecoin savings, flexible or fixed terms

Cashback conditions

No data yet
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

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

Holding (not locking) WPAY and a minimum portfolio for higher tiers

Staking asset

No data yet
WPAYShow source

Credit & financing

Credit line

NoShow source
NoShow source

Credit type

NoneShow source
No data yet

Availability

Available in

Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, SwitzerlandConditions apply: tap or hover for detailsShow source

21 countries listed: Austria, Belgium, Denmark, Estonia, Finland, France (not DOM/TOM), Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, Switzerland; residency and requirements apply

No data yet

Own IBAN / bank details

YesShow source
No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

No data yet
YesShow source

Airport lounge access

NoConditions apply: tap or hover for detailsShow source

Standard: 33 € per visit; Go first visit 15 €, Metal first visit per year free

No data yet

Travel / rental car insurance

NoConditions apply: tap or hover for detailsShow source

Only Go and Metal plans (not Standard)

No data yet

Purchase protection

NoConditions apply: tap or hover for detailsShow source

Only Metal plan

No data yet

Security & custody

Regulation / licences

German full banking licence (BaFin)Show source
No data yet

Deposit protection

YesConditions apply: tap or hover for detailsShow source

Up to €100,000

No data yet

Annual cost at 1,500 EUR/month

N26

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−20 EUR
  • Cashback+0 EUR
  • Net annual value-20 EUR

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

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

More N26 comparisons

More Wirex One Card comparisons