Wirex Card
by Wirex
The Wirex Card is now the Wirex One card: a Visa debit card (virtual for all users, plastic from the Premium tier, Visa Signature Metal from the Private tier) that spends from a self-custodial Wirex One wallet. Wirex help lists 0.5–8% cashback in USD by membership tier (Base, Premium, Elite, Private, Bespoke, set by portfolio value and the share held in $WPAY, with no subscription fee or lock-up), zero foreign transaction fees, ATM withdrawals on physical and Metal cards, and Apple Pay and Google Pay. Wirex discontinued the legacy Wirex App and its custodial service on 30 September 2026; existing cards carry over to Wirex One with the same card number.
Unique Features
- 50% off eligible subscriptions (Uber One, ChatGPT Plus, Claude Pro, and others by tier)
- Virtual and physical Visa or Mastercard, plus Visa Signature Metal
Pros
- 0.5–8% cashback in USD on card purchases by membership tier
- No subscription fee and no lock-up for membership tiers
- Zero foreign transaction fees
- 50% subscription rebates (Uber One, ChatGPT, Claude and more) from the Premium tier
- Self-custodial Wirex One wallet (Wirex does not hold your keys)
- Apple Pay and Google Pay
Cons
- Legacy Wirex App and its custodial service discontinued 30 Sep 2026 (EEA: app closed and card transactions paused for users who had not moved); existing users must move to Wirex One
- Base tier is virtual-only at 0.5%; a physical card needs the Premium tier (portfolio of $500+ with at least 1% in $WPAY)
- Higher cashback needs part of your portfolio in $WPAY (Elite: $2,500+ with 3%; Private: $25,000+ with 5%; Bespoke: $50,000+ with 10%)
- Free card delivery only on Private and Bespoke; delivery fees for other tiers are not published in help
- Limited regions
Integrations & Tech
Available In (73)
Not Available In (1)
Fee Structure
Fee Details
Wirex One help (Card limits and fees, modified 21 Jul 2026): foreign transaction fee free. Membership has no subscription fee (Wirex One Membership help, 15 Oct 2026). Physical card delivery: Standard (local post, non-trackable, up to 4 weeks) or Express (DHL Express, 2–5 business days); free delivery on Private and Bespoke, delivery fees for other tiers not published in help. ATM fees are not stated in Wirex One help. Legacy Wirex App regional delivery and ATM fee figures removed (legacy app discontinued 30 Sep 2026). Homepage marketing (wirex.one, not in help): 'fee-free ATM withdrawals worldwide'.
Limits & Conditions
Wirex One help (Card limits and fees): purchases up to 30,000 EUR per transaction and 30,000 EUR per month on virtual and physical cards; Metal 30,000 EUR per transaction and 75,000 EUR per month (can be raised on request). ATM: physical and Metal 750 EUR per day and 5,000 EUR per month; virtual cards cannot withdraw cash. Limits may vary by region. Lifetime allowance of 5 cards across all types.
