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Wirex Card review

Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
Business users paying in crypto and stablecoins without a monthly or conversion charge
Monthly fee
$0↗
Currency conversion fee
0%↗
Free ATM withdrawals
$0↗
Card type
Debit↗
Cashback rate
0.5% to 8%↗
Card network
Visa↗
Currencies
from 150↗
Custody
Self custody↗
Legal entity
Wirex Limited↗
Headquarters
United Kingdom↗
Founded
2014↗
Support channels
Email, Chat, Help-centre, Community↗
Features
Multi-currency, Crypto, Virtual card, Self-custody, Travel
Audience
Business
Official website
wirexapp.com

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
LinkedInXdiscord.gg

Pros and cons

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
  • Cashback of 0.5% to 8% across from 150 listed currencies

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
Wirex Card

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Scored 9.1 / 10 by HodlCue.

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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

How your money is protected

Custody is self custody, so the keys sit with the account holder rather than with the platform, and control of the balance stays on your side. The Financial Conduct Authority registration is FRN 902025, which places the firm under UK supervision. With the keys in your hands, device security and account access become part of keeping the money safe.

How Wirex Card compares

Where Wirex Card is available

Licence in United Kingdom
Financial Conduct Authority (FRN 902025), checked September 26, 2026
Licence in Malta
Malta Financial Services Authority, checked September 26, 2026
Licence in El Salvador
Superintendency of the Financial System of El Salvador, checked September 26, 2026

Frequently asked questions

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.

Who holds the crypto behind the card?+

Custody is self custody, so the keys stay with the account holder rather than with Wirex. That keeps control of the balance in your hands, and it also makes your own device, login and backups part of keeping funds safe.

Which regulators sit behind Wirex?+

Wirex sits under several regulators: the Financial Conduct Authority in the UK, with the registration listed as FRN 902025, plus the Malta Financial Services Authority and the Superintendency of the Financial System of El Salvador.

What kind of card is it and where is it accepted?+

It is a debit card on the visa network, so it is accepted wherever that network is accepted, including abroad. A virtual card is listed among the features, which suits online subscriptions, and travel is listed too.

How much can I take out at a cash machine?+

The free ATM withdrawal allowance is $0, so cash withdrawals are not free on this card. Compare that with the site median of €0 across the cards ranked here, and plan a separate debit card if cash is a regular need.

How do I get help from Wirex?+

Support runs on email, chat and help centre, so a help centre, email, chat and a community are available. There is no phone line listed, so for a blocked card or a failed payment the self-serve route and live chat are the first places to go.

Sources

  • wirexapp.com checked September 26, 2026

    Backs: Audience

    “Business Accounts - Global corporate accounts that connect traditional banking with stablecoin infrastructure”

  • wirexapp.com/legal/one/terms checked September 26, 2026

    Backs: Card type, Custody, Headquarters, Legal entity, Support channels, Licences

    “The Wirex Card does not provide any credit facility. Transactions attempted without sufficient available assets may be declined.”

  • wirexapp.com/personal checked September 26, 2026

    Backs: Free ATM withdrawals, Founded

    “enjoy fee-free ATM withdrawals worldwide”

  • wirexapp.com/stablecoin-and-crypto-card checked September 26, 2026

    Backs: Cashback rate, Currencies, Features, Currency conversion fee, Monthly fee, Card network

    “Every eligible purchase earns between 0.5% and 8% back in USD, depending on your membership tier.”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Protection.

Wirex Card

Wirex Card

Business users paying in crypto and stablecoins without a monthly or conversion charge

9.1/10Visit