Updated September 29, 2026 · HodlCue Editorial Team
eToro vs Wirex
eToro
Higher score in this comparison
Wirex
Where eToro and Wirex differ
| Compare | eToroReviewVisitVisit | WirexReviewVisitVisit |
|---|---|---|
| Monthly fee | €0 | $0 |
| Free ATM withdrawals | €2,500 to €12,000 | $400 |
| Cashback rate | 4% | 8%Higher |
| Currencies | 4 | 150Higher |
| Custody | Not confirmed | Custodial |
Same on both: Currency conversion fee (0%), Card type (Debit), Card network (Visa).
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Key differences
- eToro scores higher overall: 9.6 vs 9.2.
- eToro is licensed in 1 more country.
- Cashback rate is higher at Wirex: 8% vs 4%.
- Currencies is higher at Wirex: 150 vs 4.
- Features: only Wirex offers Custodial, Virtual card.
Our verdict on each
eToro
eToro suits travellers and crypto spenders who want a Visa debit card for everyday spending alongside investing. Monthly fee is €0 with currency conversion at 0% and ATM allowance of €2,500 to €12,000 plus cashback at 4% and support through help centre, chat and phone.
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 | 9.3Withdrawal fee is $5 alongside card spending costs. | 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 | 9.5Access to 150 crypto assets for trading and card funding. | 9.6HigherCard covers 35 coins and 150 currencies, with a cashback rate of 8% and virtual cards in the feature set. |
| Trust | 9.9HigherOversight from Cyprus Securities and Exchange Commission (CySEC), Financial Conduct Authority (FCA) and Australian Securities and Investments Commission (ASIC) across regions. | 8.7 |
Availability and regulation
| 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 |
Positions in our rankings
| Ranking | eToro | Wirex |
|---|---|---|
| Crypto exchanges | 1 of 297 | 15 of 297 |
| Where to buy crypto | 1 of 177 | 10 of 177 |
A third option
Kraken has currencies at 600, against 4 for eToro and 150 for Wirex.
Kraken reviewWhat we checked
eToro
- etoro.com: 8 facts, checked September 28, 2026
Wirex
- currencyexpert.com: 5 facts, checked September 26, 2026
- coincodecap.com: 4 facts, checked September 26, 2026
- budgetfitter.uk: 3 facts, checked September 26, 2026
- news.bitcoin.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | eToro | Wirex |
|---|---|---|
| Features | Multi currency, Crypto, Travel | Crypto, Custodial, Multi currency, Travel, Virtual cardCovers more |
| Legal entity | Not confirmed | Wirex Limited |
| Headquarters | Not confirmed | United Kingdom |
| Founded | Not confirmed | 2014 |
| Support channels | Not confirmed | Chat, Help centre |
Crypto exchanges
| Fact | eToro | Wirex |
|---|---|---|
| Taker fee | 1%Lower | 1.5% to 2.5% |
| Coins listed | 150Higher | 35 |
| Regulators | Cyprus Securities and Exchange Commission (CySEC), Financial Conduct Authority (FCA), Australian Securities and Investments Commission (ASIC)Covers more | FCA |
| Fiat deposit methods | Card, Bank | Card, Bank |
| Maker fee | 1% | Not confirmed |
| Withdrawal fee | $5 | Only gas fees |
| Derivatives | Yes | Not confirmed |
| Exchange type | Cex | Cex |
Where each stands against the rest
| Fact | eToro | Wirex | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | 0%below the median | 0.25% |
| Cashback rate | 4%above the median | 8%highest quarter | 2% |
| Currencies | 4below the median | 150above the median | 30 |
Median across 58 listed providers.
Pros and cons
eToro
Pros
- Card upkeep with monthly fee at €0 and Visa acceptance for everyday spending.
- Currency conversion at 0% with balances across 4 for travel use.
- Cashback at 4% on debit spending with functions covering multi currency, crypto and travel.
Cons
- Trading taker fee is 1%, above the site median of 0.25% for frequent traders.
- Broker withdrawals carry a charge of $5, which adds cost for moving funds off the platform.
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
- Travellers choosing eToro over bunq for conversion at 0% rather than 0.5% to 3%.
- Cash users choosing eToro over Kraken for ATM allowance of €2,500 to €12,000 rather than €0.
Who should look elsewhere
- Traders focused on low dealing costs rather than card perks, who may prefer Kraken given eToro taker fee of 1%.
- Euro spenders wanting a different card fee mix, who may prefer Bit2Me given its conversion at 0.95%.
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
Does the eToro card charge a monthly fee?+
The card account lists a monthly fee of €0, so there is no fixed upkeep for holding the card. Day to day spending, travel use and multi currency balances sit under that structure, while brokerage trading and withdrawals follow separate charges.
What is the currency conversion fee for card use?+
Card currency conversion is listed at 0%, which keeps cross border purchases and travel spending clear of added conversion charges. Balances across 4 help manage spending abroad, while brokerage activity remains subject to its own trading terms.
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.