Updated September 29, 2026 · HodlCue Editorial Team
Robinhood vs Wirex
Robinhood
Higher score in this comparison
Wirex
Where Robinhood and Wirex differ
| Compare | RobinhoodReviewVisitVisit | WirexReviewVisitVisit |
|---|---|---|
| Coins listed | 90Higher | 35 |
| Regulators | Bank of Lithuania, Bank of Lithuania (LSC), LT BL, SIPC | FCA |
| Fiat deposit methods | SEPA, Bank | Card, Bank |
| Withdrawal fee | No Robinhood fee; network fees apply | Only gas fees |
| Taker fee | Not confirmed | 1.5% to 2.5% |
| Proof of reserves | Yes | Not confirmed |
| Derivatives | Yes | Not confirmed |
Same on both: 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
- Robinhood scores higher overall: 9.4 vs 9.2.
- Regulators: only Robinhood offers Bank of Lithuania, Bank of Lithuania (LSC), LT BL.
- Regulators: only Wirex offers FCA.
- Robinhood is licensed in 1 more country.
- Coins listed is higher at Robinhood: 90 vs 35.
- Fiat deposit methods: only Robinhood offers SEPA.
- Fiat deposit methods: only Wirex offers Card.
- Support channels: only Robinhood offers Email.
- Support channels: only Wirex offers Chat.
- Features: only Robinhood offers Staking.
Our verdict on each
Robinhood
Robinhood is a custodial exchange with a narrower coin list than most rivals, at 90, but it pairs MiCA and Bank of Lithuania licences with SIPC membership and published proof of reserves. It suits first-time buyers who want buying, staking and derivatives in the same account.
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 | Robinhood | Wirex |
|---|---|---|
| Cost | Not confirmed | 9.4Monthly 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 | 9.1Staking and derivatives sit alongside a 90 coin list, with custody and sepa and bank funding in the same account. | 9.6HigherCard covers 35 coins and 150 currencies, with a cashback rate of 8% and virtual cards in the feature set. |
| Trust | 9.5Higher | 8.7 |
Which one suits you
Pick Robinhood if trust and coins listed matter most.
Pick Wirex if offer matter most.
Positions in our rankings
| Ranking | Robinhood | Wirex |
|---|---|---|
| Crypto exchanges | 10 of 297 | 15 of 297 |
| Where to buy crypto | 6 of 177 | 10 of 177 |
Where each is licensed and available
| Country | Robinhood | Wirex |
|---|---|---|
| Lithuania | Bank of Lithuania (LSC) MiCA CASP 254900GTP4UXQO1UMI36 LT_BL PSD_PI 306377915 | Not confirmed |
| United Kingdom | Not confirmed | FCA 902025 |
| United States | SIPC SIPC member 69916 | Not confirmed |
A third option
eToro has coins listed at 150, against 90 for Robinhood and 35 for Wirex.
eToro reviewEvery fact side by side
| Fact | Robinhood | Wirex |
|---|---|---|
| Features | Custodial, Staking | Crypto, Custodial, Multi currency, Travel, Virtual card |
| Legal entity | Robinhood Europe UAB | Wirex Limited |
| Headquarters | Lithuania | United Kingdom |
| Founded | Not confirmed | 2014 |
| Support channels | Email, Help centre | Chat, Help centre |
Crypto wallets
| Fact | Robinhood | Wirex |
|---|---|---|
| Custody | Not confirmed | Custodial |
Where each stands against the rest
| Fact | Robinhood | Wirex | Median |
|---|---|---|---|
| Taker fee | Not confirmed | 1.5% to 2.5%highest quarter | 0.15 |
| Coins listed | 90above the median | 35below the median | 76 |
Median across 219 listed providers.
Pros and cons
Robinhood
Pros
- Custodial account with staking built in, listed under custodial and staking
- Fiat deposits run through sepa and bank, so funding stays in euros
- Regulated by Bank of Lithuania, Bank of Lithuania (LSC) and LT BL across Lithuania and the US
Cons
- The coin list of 90 is thin beside from 650 and from 350
- Support runs on email and help centre only, with no phone line
- Custody is not offered, so coins cannot be moved to your own wallet
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
Robinhood
Who it suits
- EU first-time buyers who want custody and staking in a single account
- Investors who want derivatives on the same platform as spot trading
- Anyone who puts weight on published proof of reserves
Who should look elsewhere
- Bitpanda, for buyers who want a much longer coin list
- bunq, for anyone who wants a bank app with self-custody
- ActivTrades, for traders who only care about derivatives
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
Robinhood
Current offer
Bonus
Sign-up reward: EUR 10 or more in crypto: EUR 10 or more in crypto
Sign up, get approved and meet minimum deposit; hold cash value 180 days; limited jurisdictions
Source, checked September 26, 2026
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 | Robinhood | Wirex |
|---|---|---|
| United Kingdom | No | Yes |
Questions about each
Robinhood
How many coins can I trade on Robinhood?+
The list covers 90 assets, which is modest for a crypto exchange. Buyers who want deeper altcoin coverage will find more elsewhere, so the size of the list is the first thing to check against your own plans.
Is Robinhood regulated in Europe?+
Yes. The operating entity is Robinhood Europe UAB, and Bank of Lithuania, Bank of Lithuania (LSC) and LT BL names its supervisors. The crypto side runs under a MiCA licence, MiCA CASP 254900GTP4UXQO1UMI36, and the payments side under PSD_PI 306377915.
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.