Review: Wirex cryptocurrency card and app

Spend 30 different cryptocurrencies anywhere Visa is accepted with the Wirex Crypto Card and earn rewards.

  • Good for zero-fee payments in multiple currencies and 2% cashback in WXT
  • Not so good for 1% premium on cryptocurrency purchases


Fiat currencies



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Product Name Wirex Cryptocurrency Exchange
Fiat Currencies USD, SGD, AUD, NZD, JPY, HKD, EUR, GBP & 4+ more
Cryptocurrencies BTC, ETH, LTC, XRP, XLM, DAI, MKR, YFI, UNI, CRV & 25+ more
Deposit Methods Credit card
Debit card
Trading Fee Up to 1.74%
Withdrawal Fees None
Disclaimer: This information should not be interpreted as an endorsement of cryptocurrency or any specific provider, service or offering. It is not a recommendation to trade.

Learn more about Wirex Crypto Card

What fiat and cryptocurrencies are supported?

  • Supported fiat currencies: USD, SGD, AUD, NZD, JPY, HKD, EUR, GBP & 4+ more
  • Supported cryptocurrencies: Approximately 37 cryptocurrencies

Which payments methods are accepted?

  • Credit card
  • Cryptocurrency
  • Debit card

What's it like to use a Wirex Crypto Card?

Fees and limits

The fees below are accurate as of 19 April 2021.

Account and card fees

EEAAPACRest of the World
Account maintenanceFreeFreeFree
Card maintenanceFreeFreeFree
Card issuance and deliveryFreeFreeFree

Deposit and withdrawal fees

EEAAPACRest of the World
Credit or debit card depositDigital currency 1%, traditional currency: freeDigital currency 1%, traditional currency: freeDigital currency 1%, traditional currency: free
SEPA, Faster PaymentsFreeN/AN/A
CryptocurrencyFree, standard network fees applyFree, standard network fees applyFree, standard network fees apply

Exchange and card transaction fees

EEAAPACRest of the World
ExchangeDigital currency 1.74%, traditional currency: freeDigital currency 1.74%, traditional currency: freeDigital currency 1.74%, traditional currency: free
Instore and online (POS/ePOS)FreeFreeN/A
ATM400 GBP/EUR free ATM per month, and 250GBP/EUR ATM per day (there will be 2% fee after 400 GBP /EUR per month)/td>Free (starting from 17 August 2021: free up to 400 SGD per month, 2% thereafter)N/A

How fast will my funds be available?

  • Card payments are typically the same day, while SEPA may take several days.
  • Cryptocurrency transactions depend on the specific blockchain and network congestion at the time.

Is Wirex Card safe to use?

  • Regulation: Wirex is registered with several regulatory bodies around the world, with licences (or pending applications) with the UK Financial Conduct Authority, Monetary Authority of Singapore (pending) and Central Bank of Ireland (pending).
  • Mastercard: Wirex uses Visa for card payments in the Asia-Pacific. It partnered with Mastercard in the UK and EEA in 2020 as the first "crypto-friendly principal member" and is working with the payments company to expand Wirex's network in 2021.
  • Verification process. Photo ID verification is required to use Wirex.
  • Security features. Wirex offers options two-factor authentication, PIN code and a recovery phrase to help secure accounts.

How do I create an account at Wirex?

  1. Download the Wirex app to your smartphone and register.
  2. Create an account and confirm your email address
  3. Verify your identity using your smartphone camera and passport.
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Wirex interest earning X-accounts

Wirex allows users to earn interest on their digital assets and fiat deposits with X-accounts.

X-accounts offer interest on up to 20 different currencies, which is compounded daily and paid out weekly.

Rates start at 6% for cryptocurrencies, which can be increased by 4% if you're happy to receive your payout in the native WXT token instead of in-kind.

Rates start at 12% for fiat, which can also be increased by 4% by receiving payment in WXT.

Wirex says it is able to offer these rates by lending customer funds to both institutional lenders as well as various DeFi platforms, such as Uniswap and 1inch. Keep in mind that DeFi protocols are subject to unique risks such as smart contract vulnerabilities and impermanent loss. It's not clear if customer funds are insured, although Wirex has enlisted Fireblocks to help manage the security of crypto assets.

To create an account, select the 'X-Account' tab on your app dashboard and follow the instructions. You can customise the name of individual X-Accounts, making it even easier to keep track of your earnings.

What else do I need to know about Wirex?

Wirex began as an app and payments service that has expanded to offer cryptocurrencies in recent years. It aims to make owning and spending multiple currencies – both traditional and digital – a simple process, all handled through the single card and account.

You can trade between various fiat currencies (in addition to crypto) through the app, which makes it a useful companion if you find yourself travelling across borders often.

WXT is Wirex's own cryptocurrency, which was launched in 2019 and enables discounts and enhanced rewards.

CryptoBack is one of Wirex's signature products and lets customers earn up to 2% back in WTX on in-store purchases.

In a nutshell


  • Good for spending in multiple fiat and cryptocurrencies
  • Purchase and trade currencies in the app
  • Earn up to 16% APY with X-Accounts on certain currencies


  • 1% premium on cryptocurrency purchases
  • Fees vary depending on location
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Compare Wirex Card against other crypto debit cards

Name Product Deposit methods Fiat Currencies Cryptocurrencies
Swyftx Cryptocurrency Exchange
Bank transfer, Credit card, Cryptocurrency, Debit card, Osko, PayID


Finder Exclusive: Receive $10 BTC on Sign up and Verification.
Buy and sell a wide range of cryptocurrencies at competitive rates on this Australian exchange.
Digital Surge Cryptocurrency Exchange
Bank transfer, Cryptocurrency, POLi, Osko, PayID


Finder Exclusive: New members get $10 bonus after verification. T&Cs apply.
An Australian based exchange with a focus on simplicity that allows users to purchase a range of cryptocurrencies with AUD.
CoinSpot Cryptocurrency Exchange
Bank transfer, BPAY, Cash, Cryptocurrency, POLi, PayID


CoinSpot is an Australian exchange that lets you easily buy, sell and trade more than 290 cryptos.

Compare up to 4 providers

Frequently asked questions

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