💳 What is the Wirex Card?
The Wirex Card is a Visa debit card that lets you spend both cryptocurrency and fiat currency directly from your Wirex account. It is one of the most versatile crypto cards on the market, supporting over 50 cryptocurrencies and 8 fiat currencies (USD, EUR, GBP, JPY, and more).
Wirex was founded in 2014 and has grown into a global fintech platform with over 5 million users. The Wirex Card is available in more than 200 countries and territories, making it one of the most globally accessible crypto payment cards.
With the Wirex Card, you can seamlessly switch between crypto and fiat spending. It offers competitive fees, global accessibility, and a rewarding cashback program — all while allowing you to hold and spend multiple currencies from a single account.
⚙️ How the Wirex Card Works
The Wirex Card works by allowing you to hold multiple currencies (crypto and fiat) in your Wirex account. When you make a purchase, the card automatically selects the appropriate currency based on your settings and the transaction currency.
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1
Create a Wirex account
Sign up at wirex.com or via the Wirex app and complete the KYC verification process.
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2
Add funds to your account
Deposit crypto (BTC, ETH, USDT, etc.) or fiat (USD, EUR, GBP) to your Wirex wallet.
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3
Set your spending preferences
Choose your preferred spending currency and set up which asset to use for payments.
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4
Tap, insert, or pay online
Use your physical or virtual Wirex Card at any Visa-compatible terminal or online checkout.
Wirex allows you to hold and spend multiple currencies without conversion fees within the app. For international spending, this can save you significant amounts compared to traditional bank cards.
💰 Wirex Card Fees & Limits
The Wirex Card has a transparent and competitive fee structure:
| Fee Type | Cost | Notes |
|---|---|---|
| Monthly / Annual Fee | $0 | No recurring fees |
| Transaction Fee (Crypto) | 0.5% | For crypto-to-fiat conversions at point of sale |
| Transaction Fee (Fiat) | 0% | No fee for spending fiat currency |
| ATM Withdrawal | 2% | Plus any third-party ATM fees |
| Foreign Exchange Fee | 0% | No FX fee for currency conversions within the app |
Spending Limits
- Daily Spend: $50,000
- ATM Daily: $2,500
- Transaction Limit: $10,000 per transaction
Limits may vary based on account verification level and region. Higher limits can be requested through Wirex support.
🎁 Cashback Rewards — Cryptoback™ Program
Wirex offers a unique Cryptoback™ program that rewards you with up to 2% cashback on every purchase. The cashback is paid in WXT (Wirex Token), the native token of the Wirex ecosystem.
| Reward Tier | Cashback Rate | Requirements |
|---|---|---|
| Standard | 0.5% | No WXT holding required |
| Premium | 1% | Hold 1,000+ WXT |
| Elite | 2% | Hold 10,000+ WXT |
To earn the maximum 2% cashback, hold at least 10,000 WXT in your Wirex account. You can purchase WXT directly within the Wirex app and use your cashback rewards to accumulate more tokens over time.
🪙 Supported Cryptocurrencies
Wirex supports over 50 cryptocurrencies, making it one of the most versatile crypto cards available. You can spend any of the following (and more):
The original cryptocurrency, accepted globally.
Smart contract platform and second-largest crypto.
Stablecoins with 1:1 fiat value — low conversion fees.
Fast, low-cost international payments.
High-speed blockchain with growing adoption.
Fast and low-cost payments.
Full list of supported assets is available in the Wirex app. You can also hold and spend 8 fiat currencies: USD, EUR, GBP, JPY, AUD, NZD, CAD, and SGD.
⚖️ Wirex Card: Pros & Cons
✅ Advantages
- No monthly or annual fees
- Up to 2% cashback in WXT
- Supports 50+ cryptocurrencies
- Supports 8 fiat currencies
- 0% foreign exchange fees
- Available in 200+ countries
- Physical and virtual card options
- Apple Pay / Google Pay compatible
⚠️ Drawbacks
- 0.5% fee on crypto spending
- 2% ATM withdrawal fee
- Cashback capped at certain levels
- Requires KYC verification
- Some features vary by region
- WXT token required for max rewards
📲 How to Get the Wirex Card
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1
Create a Wirex account
Sign up at wirex.com or download the Wirex app and complete identity verification (KYC).
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2
Navigate to the Card section
In the Wirex app, go to "Cards" and select "Order a Wirex Card".
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3
Apply for the card
Provide your shipping address. You'll receive a virtual card instantly and a physical card in 7–10 business days.
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4
Activate and start spending
Activate your card in the app, set your spending preferences, and begin using it for purchases and ATM withdrawals.
🔒 Security & Safety
The Wirex Card incorporates several security features to protect your funds:
- Card Lock: Instantly lock/unlock your card from the Wirex app.
- Two-Factor Authentication (2FA): Required for all transactions and app access.
- Transaction Notifications: Real-time alerts for every purchase.
- Spending Limits: Set daily limits to control spending.
- Fraud Monitoring: Wirex actively monitors transactions for suspicious activity.
Always keep your Wirex account 2FA enabled and never share your card details or recovery phrase. If your card is lost or stolen, lock it immediately through the app and contact Wirex support.
📊 Wirex Card vs. Other Crypto Cards
| Feature | Wirex Card | Coinbase Card | Crypto.com Card | Binance Card |
|---|---|---|---|---|
| Monthly Fee | $0 | $0 | $0 (base tier) | $0 |
| Cashback | Up to 2% | Up to 4% | Up to 8% (with staking) | Up to 8% (with BNB) |
| Supported Assets | 50+ | 100+ | 80+ | 50+ |
| FX Fee | 0% | 2% | 0% (higher tiers) | 0.9% |
| Availability | 200+ Countries | US, UK, EU | Global | EU, UK, LATAM |