Review: Wirex cryptocurrency card and app

Spend 10 different cryptocurrencies anywhere Visa is accepted with the Wirex Crypto Card and earn rewards.

  • Good for zero-fee payments in multiple currencies and 1.5% cashback in Bitcoin
  • Not so good for ongoing monthly fee and 1% premium on cryptocurrency purchases

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Fiat currencies



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Product Name Wirex Cryptocurrency Exchange
Fiat Currencies AUD, CAD, CHF, CZK, USD, EUR, GBP, HKD & 3+ more
Cryptocurrencies BTC, LTC, XRP, ETH, WXT, XLM, DAI, NANO
Deposit Methods Credit card
Debit card
Bank transfer (SEPA)
Trading Fee 1%
Deposit Fees
Withdrawal Fees 2%
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: AUD, CAD, CHF, CZK, USD, EUR, GBP, HKD & 3+ more
  • Supported cryptocurrencies: 8 cryptocurrencies
  • BTC
  • ETH
  • XRP
  • LTC
  • XLM
  • NANO
  • DAI
  • WXT

Which payments methods are accepted?

  • Credit card
  • Cryptocurrency
  • Debit card
  • Bank transfer (SEPA)

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%, traditional currency: freeDigital currency 1%, traditional currency: freeDigital currency 1%, 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: Although Wirex still uses Visa for card payments, it partnered with Mastercard 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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What else do I need to know about Wirex?

Wirex began as a digital bank 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


  • 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


Buy and sell a wide range of cryptocurrencies at competitive rates on this Australian exchange.
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 250 cryptos.
Binance Cryptocurrency Exchange
Credit card, Cryptocurrency, Debit card, Osko, PayID


Binance is the world’s largest exchange by trading volume. Get started with instant zero fee AUD deposits and withdrawals in Australia, and enjoy low trading fees, a wide selection of cryptocurrencies and 24/7 local customer support.

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Frequently asked questions

Disclaimer: Cryptocurrencies are speculative, complex and involve significant risks – they are highly volatile and sensitive to secondary activity. Performance is unpredictable and past performance is no guarantee of future performance. Consider your own circumstances, and obtain your own advice, before relying on this information. You should also verify the nature of any product or service (including its legal status and relevant regulatory requirements) and consult the relevant Regulators' websites before making any decision. Finder, or the author, may have holdings in the cryptocurrencies discussed.

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