Updated October 17, 2026 · HodlCue Editorial Team
bunq vs Wirex Card
bunq
Wirex Card
Higher score in this comparison
bunq vs Wirex Card: the differences
| Compare | bunqReviewVisitVisit | Wirex CardReviewVisitVisit |
|---|---|---|
| Monthly fee | €0 | $0 |
| Currency conversion fee | 0.5% to 3% | 0%Lower |
| Card network | Mastercard | Visa |
| Currencies | 8 | from 150 |
| Free ATM withdrawals | Not confirmed | $0 |
| Cashback rate | Not confirmed | 0.5% to 8% |
| Custody | Not confirmed | Self custody |
Same on both: Card type (Debit).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Wirex Card scores higher overall: 9.1 vs 9.0.
- Founded is lower at bunq: 2012 vs 2014.
- Wirex Card is licensed in 2 more countries.
- Currency conversion fee is lower at Wirex Card: 0% vs 0.5% to 3%.
- Support channels: only Wirex Card offers Help centre, Community.
- Features: only Wirex Card offers Self custody.
- Audience: only bunq offers Student.
- Audience: only Wirex Card offers Business.
Our verdict on each
bunq
bunq suits readers in the Netherlands who want a debit card with crypto trading in the same app, and students who want no recurring charge. A monthly fee of €0 keeps holding the account cheap, so the number that matters is conversion at 0.5% to 3% when you spend abroad.
Wirex Card
Wirex Card suits business users who want to spend stablecoins and crypto from a self-custody account. The monthly fee is $0 and the currency conversion fee is 0%, which keeps everyday card costs low for anyone paying suppliers abroad in many currencies.
Score breakdown
| Area | bunq | Wirex Card |
|---|---|---|
| Cost | 9.2Monthly charge of €0 and conversion at 0.5% to 3%, but trading at 0.25% to 1.99% sits above the 0.2% site median. | 9.4HigherMonthly fee of $0 and a conversion fee of 0% keep card running costs at the floor of the brands compared. |
| Offer | 9.0 | 9.2Higher |
| Trust | 8.8Higher | 8.7 |
Where they rank in our lists
| Ranking | bunq | Wirex Card |
|---|---|---|
| Crypto debit cards | 3 of 145 | 15 of 145 |
Where each is licensed and available
| Country | bunq | Wirex Card |
|---|---|---|
| El Salvador | Not confirmed | |
| Malta | Not confirmed | |
| Netherlands | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority FRN 902025 |
Where these facts come from
bunq
- bunq.com: 11 facts, checked September 26, 2026
Wirex Card
- wirexapp.com: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | bunq | Wirex Card |
|---|---|---|
| Features | Multi currency, Crypto, Virtual card, Travel | Multi currency, Crypto, Virtual card, Self custody, TravelCovers more |
| Audience | Student | Business |
| Legal entity | bunq B.V. | Wirex Limited |
| Headquarters | Netherlands | United Kingdom |
| Founded | 2012Lower | 2014 |
| Support channels | Email, Chat | Email, Chat, Help centre, CommunityCovers more |
Crypto exchanges
| Fact | bunq | Wirex Card |
|---|---|---|
| Taker fee | 0.25% to 1.99% | Not confirmed |
| Coins listed | from 350 | Not confirmed |
| Maker fee | 0.25% to 1.99% | Not confirmed |
| Exchange type | Cex | Not confirmed |
Where each stands against the rest
| Fact | bunq | Wirex Card | Median |
|---|---|---|---|
| Currency conversion fee | 0.5% to 3%above the median | 0%below the median | 0.25 |
| Free ATM withdrawals | Not confirmed | $0at the median | $0 |
| Cashback rate | Not confirmed | 0.5% to 8%highest quarter | 2 |
| Currencies | 8below the median | from 150above the median | 30 |
Median across 58 listed providers.
Pros and cons
bunq
Pros
- A €0 monthly fee, so the debit card costs nothing to keep open.
- Conversion at 0.5% to 3% sits well below the 10.5% charged at the priciest end of the market.
- A coin list of from 350, above the 62 median for the exchanges and cards compared, without leaving the banking app.
Cons
- Support runs on email and chat only, where phone support appears on 66.4% of the crypto cards compared.
- Trading fees of 0.25% to 1.99% sit above the 0.2% median taker fee across the sites compared.
- The account holds 8 currencies, so spending in anything outside that set is charged 0.5% to 3%.
Wirex Card
Pros
- A monthly fee of $0 and a currency conversion fee of 0% keep running costs at the floor
- Custody is self custody, so the keys sit with the account holder rather than with the platform
- A debit card on the visa network, with a virtual card among the listed features
Cons
- The free ATM withdrawal allowance is $0, so cash withdrawals cost extra
- Support runs on email, chat and help centre only, so there is no phone line listed
- The listed audience is business, so the card is not aimed at personal account holders
Who each suits
bunq
Who it suits
- Readers in the Netherlands who want a debit card and a crypto account in the same app.
- Students, who make up the listed audience for the account, since the monthly fee is €0.
- Travellers who convert often, with 8 currencies on the balance and multi currency, crypto and virtual card listed for the plan.
Who should look elsewhere
- Bitpanda, for readers who want currency conversion at 0% instead of the 0.5% to 3% bunq charges.
- Wise, whose account also carries a £0 monthly fee, for anyone who would rather not hold crypto inside their bank app.
Wirex Card
Who it suits
- Business users paying suppliers in stablecoins or crypto
- Anyone who wants to hold the keys themselves, with custody listed as self custody
- Multi-currency spenders and travellers, with from 150 listed currencies
Who should look elsewhere
- Monzo Flex, whose monthly fee is £0, suits readers who want everyday banking without touching crypto
- Wise, whose monthly fee is £0, is the fit for multi-currency spending with no digital assets on the account
- Bitpanda, at a monthly fee of €0, is the alternative for a card centred on digital assets rather than business banking
Current offers
Wirex Card
Current offer
Discount code
50% subscription rebates on Wirex One card: 50% back in USD on eligible subscriptions (Uber One, ChatGPT Plus, Claude Pro, Perplexity Pro, Whoop, Bloomberg, Financial Times)
Pay for eligible subscriptions using the Wirex One card; rebate capped at the standard plan price for each service; tiers unlock more subscriptions
Source, checked September 26, 2026
Bonus
Up to 8% cashback on every purchase: 0.5% to 8% back in USD depending on membership tier
Every eligible purchase earns between 0.5% and 8% back in USD depending on tier; credited to Rewards Balance on transaction clearance
Source, checked September 26, 2026
Bonus
Wirex Exclusive Rewards Portal: Up to 16% cashback shopping online with 100+ partner retailers
Via the cashback portal at cashback.wirexapp.com
Source, checked September 26, 2026
Country by country
| Country | bunq | Wirex Card |
|---|---|---|
| Netherlands | Yes | No |
Questions about each
bunq
What does bunq cost to hold each month?+
The personal account carries a monthly fee of €0, so there is no recurring charge for keeping the card and the account open. Money leaves through activity instead: currency conversion is charged at 0.5% to 3%, and crypto trading adds taker fees of 0.25% to 1.99% and maker fees of 0.25% to 1.99%. The fixed cost is the easy part to judge.
Who regulates bunq and where is it based?+
bunq is supervised in the Netherlands by De Nederlandsche Bank. The account is run by bunq B.V., headquartered in the Netherlands, and the firm was founded in 2012. Crypto is listed among multi currency, crypto and virtual card for the account, so the crypto side sits inside the same banking app rather than needing a separate exchange sign-up.
Wirex Card
How much does the Wirex Card cost to hold and to use?+
There is no standing charge: the monthly fee is $0 and spending abroad converts at a currency conversion fee of 0%. Cashback on purchases runs at 0.5% to 8%, so the card earns a small return as well.
Is the card aimed at business users?+
The listed audience is business, and the card is built for that group. The monthly fee is $0, so keeping the card costs nothing, and the listed features include multi-currency, crypto, virtual-card, self-custody and travel functions.