Updated September 29, 2026 · HodlCue Editorial Team
eToro vs Wirex
eToro
Wirex
Higher score in this comparison
What sets them apart
| Compare | eToroReviewVisitVisit | WirexReviewVisitVisit |
|---|---|---|
| Taker fee | 1%Lower | 1.5% to 2.5% |
| Coins listed | from 150 | 35 |
| Regulators | Cyprus Securities and Exchange Commission (CySEC), SIPC | FCA |
| Withdrawal fee | $5 flat fee | Only gas fees |
| Derivatives | Yes | Not confirmed |
Same on both: Fiat deposit methods (Card, Bank), Exchange type (Cex).
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 scores higher overall: 9.2 vs 9.0.
- Regulators: only eToro offers Cyprus Securities and Exchange Commission (CySEC), SIPC.
- Regulators: only Wirex offers FCA.
- Founded is lower at eToro: 2007 vs 2014.
- eToro is licensed in 1 more country.
- Taker fee is lower at eToro: 1% vs 1.5% to 2.5%.
- Support channels: only Wirex offers Chat.
- Features: only eToro offers Staking.
- Features: only Wirex offers Crypto, Multi currency, Travel.
Our verdict on each
eToro
eToro suits readers who want a long-established custodial exchange with a CySEC licence and a broad coin list. Trading costs tell the other story: a taker fee of 1% is well above the 0.2% site median, and withdrawals add $5 flat fee.
Wirex
Wirex suits people who want one balance for crypto and everyday spending, with a monthly fee of $0, a conversion fee of 0% and an FCA licence in the UK. Budget for trading fees of 1.5% to 2.5%, and know your holdings sit with Wirex rather than in your own wallet.
Score breakdown
| Area | eToro | Wirex |
|---|---|---|
| Cost | 8.2Taker fees of 1% sit well above the 0.2% site median, and withdrawals cost $5 flat fee on top. | 9.4HigherMonthly fee of $0 and a conversion fee of 0% keep everyday card running costs low, though trading fees run 1.5% to 2.5%. |
| Offer | 9.0 | 9.6HigherCard covers 35 coins and 150 currencies, with a cashback rate of 8% and virtual cards in the feature set. |
| Trust | 9.6Higher | 8.7 |
Licences and countries
| Country | eToro | Wirex |
|---|---|---|
| Cyprus | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 213800GIFQMSV7HROS23 | Not confirmed |
| United Kingdom | Not confirmed | FCA 902025 |
| United States | SIPC SIPC member 70212 | Not confirmed |
How they place
| Ranking | eToro | Wirex |
|---|---|---|
| Where to buy crypto | 2 of 177 | 10 of 177 |
If neither fits
ActivTrades has taker fee at 0%, against 1% for eToro and 1.5% to 2.5% for Wirex.
ActivTrades reviewWhere these facts come from
eToro
- etoro.com: 6 facts, checked September 26, 2026
- esma.europa.eu: 3 facts, checked September 26, 2026
- cryptoninjas.net: 2 facts, checked September 26, 2026
- brokerchooser.com: 1 fact, checked September 26, 2026
Wirex
- currencyexpert.com: 4 facts, checked September 26, 2026
- bitdegree.org: 3 facts, checked September 26, 2026
- moneywise.com: 2 facts, checked September 26, 2026
- budgetfitter.uk: 1 fact, checked September 26, 2026
- news.bitcoin.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | eToro | Wirex |
|---|---|---|
| Features | Custodial, Staking | Crypto, Custodial, Multi currency, Travel, Virtual card |
| Legal entity | eToro (Europe) Ltd | Wirex Limited |
| Headquarters | Cyprus | United Kingdom |
| Founded | 2007Lower | 2014 |
| Support channels | Help centre | Chat, Help centreCovers more |
Crypto wallets
| Fact | eToro | Wirex |
|---|---|---|
| Custody | Not confirmed | Custodial |
Where each stands against the rest
| Fact | eToro | Wirex | Median |
|---|---|---|---|
| Taker fee | 1%highest quarter | 1.5% to 2.5%highest quarter | 0.15% |
| Coins listed | from 150above the median | 35below the median | 76 |
Median across 219 listed providers.
Pros and cons
eToro
Pros
- Regulated in Cyprus by the Cyprus Securities and Exchange Commission (CySEC) under MiCA CASP 213800GIFQMSV7HROS23 and a member of SIPC under SIPC member 70212
- A coin list of from 150 sits well above the 62 site median
- Fiat deposits run through card and bank, so funding works without a crypto transfer first
Cons
- A taker fee of 1% is far above the 0.2% site median and above 0% at ActivTrades
- Withdrawals cost $5 flat fee, which adds to every round trip
- Support runs on help centre only, with no live channel listed
Wirex
Pros
- No monthly fee, with the card ranking top of the field on that measure in 379 brands
- Currency conversion at 0%, first for that measure across 237 brands
- Covered by an FCA licence, reference 902025
Cons
- Trading fees of 1.5% to 2.5% sit well above the site median of 0.2%
- Coins covered, 35, trail the site median of 62
- Support runs on chat and help centre only, with no phone line
Who each suits
eToro
Who it suits
- Readers who want a supervised custodian and a licence to point to
- Buyers who fund with a card or a bank transfer rather than a crypto transfer
- Long-term holders who want staking alongside a broad coin list
Who should look elsewhere
- Active traders, since 0% at ActivTrades costs nothing to take liquidity
- Readers hunting the lowest taker fee, where bunq charges fees of 0.25% to 1.99%
- Anyone holding coins themselves, because custody here is custodial per custodial and staking
Wirex
Who it suits
- People who want crypto spending and card payments from one balance
- Travellers who convert and withdraw often, given the conversion fee of 0% and free ATM withdrawals of $400
- UK residents who want a regulated crypto debit card under an FCA licence
Who should look elsewhere
- Frequent traders, since fees of 1.5% to 2.5% sit far above the site median of 0.2%; Monzo Flex and Wise charge nothing monthly but carry no trading fees
- Coin collectors, as 35 covers fewer coins than the site median of 62
- Anyone wanting to hold keys themselves, since custody is custodial; Bitpanda also holds assets, so a self-custody wallet suits better
Current offers
Wirex
Current offer
Bonus
Up to 8% Cashback on Card Spend - Wirex: Up to 8% cashback
Earnings subject to eligibility
Source, checked September 26, 2026
Country by country
| Country | eToro | Wirex |
|---|---|---|
| United Kingdom | No | Yes |
Questions about each
eToro
What does eToro charge to trade?+
Trading fees are 1%, which is a full percentage on each trade. That reads high next to the 0.2% site median and next to bunq, which charges fees of 0.25% to 1.99%. Frequent traders pay that rate repeatedly, so it is the number to check first.
What does it cost to withdraw crypto?+
Withdrawals carry a fee of $5 flat fee. That sits on top of the 1% trading fee, so the full cost of a buy and a sell includes both. Anyone moving coins in and out regularly should add that withdrawal cost to the trading rate before choosing.
Wirex
What does it cost to hold a Wirex card?+
The monthly fee is $0, so the card costs nothing to keep. Wirex places first of 379 brands on that measure. Converting currency is charged at 0%, and the real cost for traders is the trading fee of 1.5% to 2.5%.
What are Wirex trading fees?+
Trading fees run 1.5% to 2.5% on the exchange side of Wirex. That sits well above the site median of 0.2% and above the upper end of 0.8%. Buying and selling often will cost more here than on lower-fee venues.