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SafePal Mastercard vs Wirex One Card

SafePal Mastercard

Crypto native

6.5
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Wirex One Card

Crypto native

7.0
Get the card

Verdict

  • Wirex One Card scores higher overall (7.0 vs 6.5 out of 10).
  • Wirex One Card is clearly stronger on: FX & international.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

SafePal Mastercard is a good fit for

  • Stablecoin holders

Wirex One Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: FX & international

★ 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 & sourcesSafePal Mastercard vs ether.fi CashWirex One Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionSafePal MastercardWirex One Card
Fees100100
Cashback & rewards–44
Availability––
FX & international60100
Product features7070
Custody & security––
Credit & financing3030
Limits & ATM–100
Transparency100100
Best for Cashbackn/a6.3
Best for Travel6.68.6
Best for DeFi Users6.06.0
Best for Stablecoins7.27.8
Best for High Spenders6.16.9
Best for Low Fees8.310.0
Best for Beginners7.57.4

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

Card issuer / program manager

Fiat24 (Swiss IBAN account and fiat gateway; compliance and licensing)Conditions apply: tap or hover for detailsShow source

Offered in collaboration with SafePal; the page does not name the card issuer separately

No data yet

Tiers / plans

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

Fees

Annual fee

FreeShow source
FreeShow source

Monthly fee

FreeShow source
FreeShow source

FX fee

1%Conditions apply: tap or hover for detailsShow source

Card payments settled in non-USD currencies

0%Show source

Top-up fee

FreeConditions apply: tap or hover for detailsShow source

Standard deposit/top-up fee; crypto swaps carry a spread and gas fees

No data yet

ATM fee

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

Wirex fee; operator fees not addressed

Transfer fee

FreeConditions apply: tap or hover for detailsShow source

Transfers to external banks; other banks may charge

No data yet

Other fees & markups

Refund processing fee 1 USD / 1 EUR / 1 CHF / 7 CNH per refund, depending on payment currency · Gas fees on blockchain transactionsConditions apply: tap or hover for detailsShow source

Gas fees: the page states all financial transactions are conducted on the blockchain, which will result in gas fees

No data yet

Cashback & rewards

Base cashback

No data yet
0.5%Conditions apply: tap or hover for detailsShow source

Base tier

Max cashback

No data yet
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

No data yet
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

Availability

Account / spend currencies

USD · EUR · CHF · CNHShow source
No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

Swiss IBAN via Fiat24

No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

No data yet
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

No data yet
YesShow source

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

Crypto is topped up as USDC

YesShow source

Blockchains

ArbitrumShow source
No data yet

Limits

Spending limit

€5,000Conditions apply: tap or hover for detailsShow source

Per day; contactless 1,600 EUR per day

No data yet

Annual cost at 1,500 EUR/month

SafePal Mastercard

  • Annual & monthly fees+0 EUR
  • FX costs−36 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

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 SafePal Mastercard comparisons

More Wirex One Card comparisons