Wirex Card

Overview

Wirex has been operating in the digital payments space since 2014, making it one of the longest-running crypto-friendly fintech companies. The Wirex Card is a Visa debit card that seamlessly bridges the worlds of traditional finance and cryptocurrency, allowing users to hold, exchange, and spend both fiat currencies and cryptocurrencies from a single account. What distinguishes Wirex is its multi-currency approach. Your Wirex account can hold multiple fiat currencies like USD, EUR, and GBP alongside cryptocurrencies like Bitcoin and Ethereum. You can exchange between any of these currencies in-app at competitive rates. When you spend with the card, it automatically converts from your chosen currency at the point of sale. Wirex has grown to serve millions of users across 130+ countries, making it one of the most globally accessible crypto card options. The platform also features X-Accounts, which allow you to earn interest on your idle crypto and stablecoin holdings, turning your spending account into a yield-generating tool.

Cryptoback Rewards

Wirex's Cryptoback rewards program is one of the most generous in the industry, with cashback rates reaching up to 8% depending on your account tier and WXT (Wirex Token) staking level. The standard account offers 0.5% Cryptoback on all in-store purchases, while the Premium and Elite tiers offer 1% and 2% respectively. By staking WXT tokens, users can boost their Cryptoback rate significantly. The maximum 8% Cryptoback is available to Elite tier members with the highest WXT staking level. All Cryptoback rewards are paid in WXT tokens and credited instantly to your account. You can then hold WXT for potential appreciation, stake it for additional benefits, or exchange it for other cryptocurrencies or fiat. The Cryptoback program applies to in-store purchases only and does not include ATM withdrawals, online purchases from certain categories, or peer-to-peer transfers.

X-Accounts and Earning

X-Accounts are Wirex's interest-bearing accounts that allow you to earn yield on your crypto and stablecoin holdings. By locking your assets in an X-Account for a specified period, you earn daily interest that is credited to your main account. The interest rates vary by asset and lock-up duration, with stablecoins typically offering the highest yields. This feature transforms your Wirex account from a simple spending tool into a comprehensive financial platform. You can earn interest on idle balances while still having the flexibility to unlock and spend when needed. The combination of earning yield on holdings and receiving Cryptoback on spending creates a dual-revenue stream that maximizes the utility of your digital assets.

Fees and Account Tiers

Wirex offers three account tiers: Standard (free), Premium ($30/year), and Elite ($100/year). The Standard tier includes basic card functionality, 0.5% Cryptoback, and limited free ATM withdrawals. Premium adds higher exchange limits, 1% Cryptoback, and more free ATM withdrawals. Elite provides the highest Cryptoback rates, priority support, and the best exchange rates. In-store purchases have zero fees across all tiers. The built-in exchange charges a small spread that varies by currency pair and account tier, generally between 0.5% and 1.5%. ATM withdrawals are free up to a monthly limit that varies by tier, with charges applying beyond the limit. International spending incurs no additional fees, making Wirex a strong choice for travelers. The fee structure is transparent and competitive, especially for users on the Premium and Elite tiers.

Supported Cryptocurrencies

Available Regions