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Wirex One Card vs Wise Card

Wirex One Card

Crypto native

7.0
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Wise Card

E-money / FinTech

6.9
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Verdict

  • Wirex One Card scores higher overall (7.0 vs 6.9 out of 10).
  • Wirex One Card is clearly stronger on: Cashback & rewards, FX & international, Limits & ATM.
  • For 1,500 EUR/month of spend, Wirex One Card comes out about 105 EUR a year ahead on base-tier terms.

Wirex One Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: Cashback & rewards, FX & international, Limits & ATM

Wise Card is a good fit for

  • Frequent travellers

★ 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
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Review & sourcesWirex One Card vs ether.fi CashWise Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionWirex One CardWise Card
Fees100100
Cashback & rewards4412
Availability–100
FX & international10083
Product features7070
Custody & security–75
Credit & financing3030
Limits & ATM10051
Transparency100100
Best for Cashback6.35.0
Best for Travel8.67.5
Best for DeFi Users6.0n/a
Best for Stablecoins7.8n/a
Best for High Spenders6.94.9
Best for Low Fees10.08.8
Best for Beginners7.48.1
Best E-Money Cardn/a8.4

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

Visa / MastercardConditions apply: tap or hover for detailsShow source

Physical card Visa or Mastercard; metal card Visa Signature

VisaConditions apply: tap or hover for detailsShow source

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

Custody model

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

The provider holds the funds

Tiers / plans

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

Fees

Annual fee

FreeShow source
No data yet

Monthly fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

No subscription required

Physical card fee

No data yet
€7Conditions apply: tap or hover for detailsShow source

Ireland page; one-time card order fee

Virtual card fee

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

Ireland page

Replacement fee

No data yet
€4Conditions apply: tap or hover for detailsShow source

Ireland page; free if the card was expiring

FX fee

0%Show source
0.43%Conditions apply: tap or hover for detailsShow source

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

Top-up fee

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

Domestic bank transfer only; other payment methods have varying fees

ATM fee

FreeConditions apply: tap or hover for detailsShow source

Wirex fee; operator fees not addressed

2.69%Conditions apply: tap or hover for detailsShow source

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

Free ATM allowance

No data yet
€250/monthConditions apply: tap or hover for detailsShow source

Eurozone-issued cards; no limit on the number of free withdrawals

Other fees & markups

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

Spending a currency you hold is free

Cashback & rewards

Base cashback

0.5%Conditions apply: tap or hover for detailsShow source

Base tier

0%Conditions apply: tap or hover for detailsShow source

No cashback on card spending (owner research)

Max cashback

8%Conditions apply: tap or hover for detailsShow source

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

No data yet

Cashback paid in

USDShow source
No data yet

Cashback type

FiatShow source
NoneConditions apply: tap or hover for detailsShow source

No cashback on card spending (owner research); Wise's 'balance cashback' is interest on the balance, recorded as interest

Interest on balance

9.75%Conditions apply: tap or hover for detailsShow source

Up to; stablecoin savings, flexible or fixed terms

2.4%Conditions apply: tap or hover for detailsShow source

Balance cashback for EEA customers on USD balances (September 2026, annualised, variable); EUR 1.20%, GBP 2.20%; 30% Belgian withholding tax deducted; minimum balance applies

Cashback conditions

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
No data yet

Staking / holding required for top rewards

YesConditions apply: tap or hover for detailsShow source

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

No data yet

Staking asset

WPAYShow source
No data yet

Minimum balance

No data yet
€101Conditions apply: tap or hover for detailsShow source

Held for the whole month to receive balance cashback, based on September 2026 rates (55 GBP, 51 USD)

Reward exclusions

No data yet
Account outside the EEA · Money held in Wise Assets (interest/stocks) · Negative or suspended account · Pre-tax cashback under 0.10 · Opted out of cashbackShow source

Credit & financing

Credit line

NoShow source
NoShow source

Spend own balance directly

No data yet
YesShow source

Availability

Available in

No data yet
Australia, Brazil, Canada, EEA, Japan, Malaysia, New Zealand, Philippines, Singapore, Switzerland, Thailand, United Kingdom, United StatesConditions apply: tap or hover for detailsShow source

Thailand only for accounts registered on or after 21 January 2026

Not available in

No data yet
Hong KongConditions apply: tap or hover for detailsShow source

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

Account / spend currencies

No data yet
EUR · GBP · USD · and many moreShow source

Own IBAN / bank details

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

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

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

YesShow source
No data yet

Security & custody

Regulation / licences

No data yet
Wise Europe SA: authorised payment institution supervised by the National Bank of BelgiumConditions apply: tap or hover for detailsShow source

EU entity

Deposit protection

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

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

Annual cost at 1,500 EUR/month

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

Wise Card

  • Annual & monthly fees+0 EUR
  • FX costs−15 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+0 EUR
  • Net annual value-15 EUR

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

More Wirex One Card comparisons

More Wise Card comparisons