Updated October 17, 2026 · HodlCue Editorial Team
Wirex vs Wirex Card
Wirex
Higher score in this comparison
Wirex Card
Wirex vs Wirex Card: the differences
| Compare | WirexReviewVisitVisit | Wirex CardReviewVisitVisit |
|---|---|---|
| Free ATM withdrawals | $400Higher | $0 |
| Cashback rate | 8% | 0.5% to 8% |
| Currencies | 150 | from 150 |
| Custody | Custodial | Self custody |
Same on both: Monthly fee ($0), Currency conversion fee (0%), Card type (Debit), Card network (Visa).
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 9.1.
- Wirex Card is licensed in 2 more countries.
- Free ATM withdrawals is higher at Wirex: $400 vs $0.
- Support channels: only Wirex Card offers Email, Community.
- Features: only Wirex offers Custodial.
- Features: only Wirex Card offers Self custody.
Our verdict on each
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.
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 | Wirex | Wirex Card |
|---|---|---|
| Cost | 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%. | 9.4Monthly fee of $0 and a conversion fee of 0% keep card running costs at the floor of the brands compared. |
| Offer | 9.6HigherCard covers 35 coins and 150 currencies, with a cashback rate of 8% and virtual cards in the feature set. | 9.2 |
| Trust | 8.7 | 8.7 |
Cost in a real example
A year with 1,000 spent abroad
Wirex
$0
12 × $0 + 0% of 1,000
Wirex Card
$0
12 × $0 + 0% of 1,000
Both come to the same total.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
A third option
MetaMask Card has free atm withdrawals at $1,200, against $400 for Wirex and $0 for Wirex Card.
MetaMask Card reviewWhat we checked
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
Wirex Card
- wirexapp.com: 14 facts, checked September 26, 2026
How they place
| Ranking | Wirex | Wirex Card |
|---|---|---|
| Crypto debit cards | 12 of 145 | 15 of 145 |
Every fact side by side
| Fact | Wirex | Wirex Card |
|---|---|---|
| Features | Crypto, Custodial, Multi currency, Travel, Virtual card | Multi currency, Crypto, Virtual card, Self custody, Travel |
| Audience | Not confirmed | Business |
| Legal entity | Wirex Limited | Wirex Limited |
| Headquarters | United Kingdom | United Kingdom |
| Founded | 2014 | 2014 |
| Support channels | Chat, Help centre | Email, Chat, Help centre, CommunityCovers more |
Crypto exchanges
| Fact | Wirex | Wirex Card |
|---|---|---|
| Taker fee | 1.5% to 2.5% | Not confirmed |
| Coins listed | 35 | Not confirmed |
| Regulators | FCA | Not confirmed |
| Fiat deposit methods | Card, Bank | Not confirmed |
| Withdrawal fee | Only gas fees | Not confirmed |
| Exchange type | Cex | Not confirmed |
Where each stands against the rest
| Fact | Wirex | Wirex Card | Median |
|---|---|---|---|
| Monthly fee | $0at the median | $0at the median | $0 |
| Currency conversion fee | 0%below the median | 0%below the median | 0.25% |
| Free ATM withdrawals | $400highest quarter | $0at the median | $0 |
| Cashback rate | 8%highest quarter | 0.5% to 8%highest quarter | 2% |
| Currencies | 150above the median | from 150above the median | 30 |
Median across 58 listed providers.
Pros and cons
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
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
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
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
Current offer
Bonus
Up to 8% Cashback on Card Spend - Wirex: Up to 8% cashback
Earnings subject to eligibility
Source, checked September 26, 2026
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 | Wirex | Wirex Card |
|---|---|---|
| United Kingdom | Yes | No |
Questions about each
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.
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.