Wirex Card vs Zoomex Card
Crypto native
Crypto native
Verdict
- Wirex Card scores higher overall (6.4 vs 5.2 out of 10).
- Wirex Card is clearly stronger on: Fees, FX & international, Product features.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Wirex Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: Fees, FX & international, Product features
Zoomex Card is a good fit for
- Stablecoin holders
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
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
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Wirex Card | Zoomex Card |
|---|---|---|
| Fees | 100 | 88 |
| Cashback & rewards | 26 | 21 |
| Availability | – | – |
| FX & international | 100 | 20 |
| Product features | 70 | 56 |
| Custody & security | – | 60 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 64 | – |
| Transparency | 93 | 100 |
| Best for Cashback | 5.2 | 4.3 |
| Best for Travel | 7.9 | 4.5 |
| Best for DeFi Users | 5.6 | 5.1 |
| Best for Stablecoins | 7.4 | 5.5 |
| Best for High Spenders | 5.8 | 4.0 |
| Best for Low Fees | 9.4 | 6.7 |
| Best for Beginners | 7.1 | 6.7 |
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
Prepaid cardConditions apply: tap or hover for detailsShow source
Spends the UR account balance funded with USDC
Network
Visa / MastercardConditions apply: tap or hover for detailsShow source
Visa or Mastercard depending on region
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Fiat held by UR (SR Saphirstein AG)
Card issuer / program manager
UR — SR Saphirstein AG, Swiss fintech licence (Art. 1b Banking Act), FINMA-supervisedShow source
Tiers / plans
Standard · Premium · EliteConditions apply: tap or hover for detailsShow source
Each plan has Entry tier plus WXT-lock boost tiers (Enhanced/Ultimate)
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
No annual card fee; paid X-tras plans are billed monthly
FreeShow source
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Standard plan free; Premium €9.99/month or €102/year; Elite €29.99/month or €306/year
Physical card fee
FreeConditions apply: tap or hover for detailsShow source
Card issuance free in all regions; delivery fee separate (EEA: 5 EUR untracked, 15 EUR DHL Express)
Virtual card fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
As stated on this help article
2%Conditions apply: tap or hover for detailsShow source
1–2%
Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Crypto to fiat; fiat to crypto 0%
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
SEPA (EUR) bank transfer deposit free; local card funding 0% or more depending on currency/country
ATM fee
2%Conditions apply: tap or hover for detailsShow source
EEA: after 200 EUR free monthly
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
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
Cashback & rewards
Base cashback
0.5%Conditions apply: tap or hover for detailsShow source
Standard plan, Entry tier
1%Conditions apply: tap or hover for detailsShow source
Credited monthly to the Zoomex funding account; campaign rules still being prepared
Max cashback
8%Conditions apply: tap or hover for detailsShow source
Elite plan (€29.99/month) at the Ultimate WXT-lock tier
1%Show source
Cashback paid in
WXTShow source
Cashback type
CryptoConditions apply: tap or hover for detailsShow source
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
Sign-up reward: spend $5, get $10Show source
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Higher tiers require locking WXT for 180 days (e.g. 150,000 WXT for Standard Enhanced)
Staking asset
WXTShow source
Reward exclusions
Cash withdrawals · TransfersShow source
Credit & financing
Credit line
NoConditions apply: tap or hover for detailsShow source
debit card
NoShow source
Availability
Account / spend currencies
USD · EUR · CHF · JPY · SGD · HKDShow source
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
NoConditions apply: tap or hover for detailsShow source
Initial version is virtual only
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
YesConditions apply: tap or hover for detailsShow source
USDC is moved into the UR account and converted
Annual cost at 1,500 EUR/month
Wirex Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+90 EUR
- Net annual value90 EUR
Zoomex Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers