Image: Wirex

Wirex One Card review: fees, cashback and limits

Name: Wirex One Card
Brand: Wirex

A veteran crypto card, now with a self-custody wallet and up to 8% back in USD.

By Taimoor, founder and editor Last checked 16 October 2026 2 sources

7.3out of 10

Quick answer

Wirex One is a Visa card with no subscription or annual fee and no Wirex FX markup. Crypto sits in a self-custody smart wallet, while cash is held by regulated e-money partners. Cashback is paid in USD: 0.5% on the free tier (capped at $25 a month), rising to 1%, 3%, 5% and 8% with larger portfolios and WPAY holdings. You can top up by SEPA, ACH, Faster Payments, card or stablecoins.

Wirex One at a glance

Best for	Europeans and Australians who want bank rails and a self-custody wallet in one app.
Skip it if	You live in the US or Canada, or you don't want to hold WPAY for better rewards.
Network	Visa (metal cards are Visa Signature)
Card issuer	Transact Payments Malta (EEA), Wirex Limited (UK and rest of world), Novatti (Australia and New Zealand)
Custody	Hybrid. Crypto in a self-custody smart wallet, fiat with e-money partners.
Card type	Debit
Virtual or physical	Virtual (Base), plastic (Premium, Elite), metal (Private, Bespoke)
Cashback	0.5% to 8% in USD
Annual fee	None. Tiers depend on WPAY holdings, not payments.
Apple Pay / Google Pay	Yes / Yes
Identity check (KYC)	Required
Where it works	About 35 countries as of October 2026, across Europe, the UK and Australia and New Zealand.

Wirex One fees

Card cost	Not published. A $50 deposit is needed to activate the card.
Annual or membership fee	None. Tiers depend on WPAY holdings, not payments.
FX and cross-border	0% Wirex markup. The card scheme's rate applies.
Crypto conversion	Crypto-to-fiat spread applies
ATM withdrawals	Free up to 200 GBP, EUR or SGD (400 AUD) a month on the base tier, then 2%. Higher tiers raise the allowance, and Bespoke is unlimited.

Visa applies its own exchange rate on top of any card markup. Check the fee page in the Wirex One app for your country before you load money. To see what Wirex One would cost you in a year compared with every other card, try the cost calculator.

What a $100 purchase costs with Wirex One

Not publishedPaid from stablecoins in the card's own currency

Not publishedPaid from stablecoins in a foreign currency

Not publishedPaid from other crypto, like BTC or ETH

$0.50Cashback on $100, Base tier

These are Wirex One's own fees on the Base tier, before the card network's exchange rate and any ATM or top-up costs. Its FX markup of 0% is lower than the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 37 of them. For a full year based on your own spending, use the cost calculator.

Where it ranks by our score: #9 of 36 in Europe (EEA)#8 of 20 in United Kingdom #5 of 24 in Asia-Pacific

Cashback and rewards

Base 0.5% (cap $25 a month). Premium 1% ($100). Elite 3% ($300). Private 5% ($1,000). Bespoke 8% ($2,000).
Higher tiers need a bigger portfolio and a share of it in WPAY
50% subscription rebates from Premium up

Tier	Price or requirement	Cashback	Notes
Base	Free	0.5%	Virtual card, $25 monthly cap
Premium	$500+ portfolio, 1%+ in WPAY	1%	Plastic card
Elite	$2,500+ portfolio, 3%+ in WPAY	3%	Bigger ATM allowance
Private	$25,000+ portfolio, 5%+ in WPAY	5%	Metal card
Bespoke	$50,000+ portfolio, 10%+ in WPAY	8%	Unlimited free ATM

Deposits and withdrawals

How to top up

SEPA (EUR), ACH (USD) and Faster Payments (GBP)
Debit card or salary
Onchain stablecoin deposits at 1:1 with no fee

Fees: Stablecoin deposits free. Check the app for other methods.

How to withdraw

Bank transfers
Crypto withdrawals from your smart wallet
ATM cash withdrawals

Fees: ATM free up to about 200 a month on the base tier, then 2%.

Supported assets: Stablecoins, crypto and fiat in EUR, GBP and USD.

Where Wirex One works

About 35 countries as of October 2026, across Europe, the UK and Australia and New Zealand.

Not available in the US or Canada.

Europe (EEA)United KingdomAsia-Pacific

Limits and perks

Limits

Not published

Perks

Stablecoin earn rates up to 9.75% on top tiers
Fee-free trading allowances by tier

Pros and cons

What's good

No subscription or annual fee
No Wirex FX markup
Self-custody wallet plus bank rails
Cashback in USD, not a token

What's not

Good rates need WPAY holdings
Base cashback capped at $25 a month
Not in the US or Canada

Our take on Wirex One

Wirex has offered crypto cards since 2015, and Wirex One is its rebuilt version. Crypto now lives in a self-custody smart wallet that you access with a passkey, while cash sits with regulated e-money partners. You can top up by bank transfer in three currencies, by card or with stablecoins.

There's no subscription and no Wirex FX markup. Cashback is paid in USD, which is nicer than a volatile token, but the free tier gives 0.5% capped at $25 a month. The higher 3% to 8% tiers need a sizeable portfolio with part of it held in WPAY.

One of the most complete crypto money apps in Europe. The big rewards depend on how much WPAY you're willing to hold.

How we scored Wirex One: 7.3/10

Methodology

Fees 30%

8 No subscription and no FX markup.

Rewards 20%

6 USD cashback, but meaningful rates need WPAY.

Control 20%

7 Self-custody crypto, regulated fiat.

Reach 15%

6 About 35 countries.

Flexibility 15%

9 Three bank rails plus stablecoins.

Wirex One FAQ

How much does the Wirex One Card cost?

Not published. A $50 deposit is needed to activate the card. Annual or membership fee: None. Tiers depend on WPAY holdings, not payments.

Does Wirex One have cashback?

0.5% to 8% in USD. Base 0.5% (cap $25 a month). Premium 1% ($100). Elite 3% ($300). Private 5% ($1,000). Bespoke 8% ($2,000).

What are the Wirex One FX and ATM fees?

FX: 0% Wirex markup. The card scheme's rate applies. ATM: Free up to 200 GBP, EUR or SGD (400 AUD) a month on the base tier, then 2%. Higher tiers raise the allowance, and Bespoke is unlimited.

Where is Wirex One available?

About 35 countries as of October 2026, across Europe, the UK and Australia and New Zealand. Not available in the US or Canada.

Is Wirex One self-custody?

Hybrid. Crypto in a self-custody smart wallet, fiat with e-money partners.

Sources

SpendNode: Wirex One reviewTiers, fees, custody, issuers, countries, Sep 21, 2026
Eco: Best crypto debit cards in 2026Cross-check, Oct 6, 2026

We checked these sources on 16 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.