Wirex Card is a custodial crypto debit card that links spending to a Wirex account. It is available as a Visa or Mastercard card and advertises Cryptoback rewards from 0.5% to 8% in WXT, with no annual card fee.
The card is operated by Wirex, a UK-founded company that has issued crypto debit cards since the mid-2010s. Wirex is a principal member of both Visa and Mastercard. Its UK entity is authorised as an electronic money institution by the UK Financial Conduct Authority. The company also operates Wirex One, a stablecoin-focused card and neobank product with five membership tiers.
The card uses custodial balances held through Wirex rather than a self-custody wallet. Customers spend through a Visa or Mastercard debit card, while Cryptoback rewards are paid in WXT, Wirex’s token. WXT is built on Ethereum, Stellar and Avalanche. The classic card has eight reward tiers, and the advertised 8% rate requires the Elite plan at €29.99 per month plus a 7.5 million WXT lock for 180 days.
The free Standard tier earns 0.5% Cryptoback in WXT. Rewards have per-transaction and monthly caps. Standard Entry is capped at 100 WXT per purchase and 10,000 WXT per month.
Wirex Card has no annual fee. Subscription pricing ranges from €0 per month for Standard to €9.99 for Premium and €29.99 for Elite. ATM withdrawals include a monthly allowance of GBP 200, EUR 200 or SGD 200, or AUD 400 in Australia; withdrawals above the allowance incur 2%. An inactivity fee of $5 per month applies after 90 days without activity.
The card is available in 130+ countries.
Wirex reported balance migration failures from Wirexapp to Wirex One beginning June 28, 2026. A hotfix was applied on June 29, 2026 to reprocess affected migrations. The legacy Wirex app was discontinued for EEA customers on September 30, 2026, ending login access, deposits, withdrawals and card transactions through that app.
The main trade-offs are custodial exposure, regional restrictions and rewards tied to WXT, a volatile native token. Higher cashback can require a paid plan and a large token lock.
Wirex Card combines broad availability with tiered WXT cashback, but its custodial model and costly top reward tier add material trade-offs.
Wirex Card is a custodial crypto debit card issued on Visa or Mastercard rails. The card has no annual fee, while paid plans cost €9.99 per month for Premium and €29.99 per month for Elite.
The free ATM allowance is regional: GBP 200, EUR 200, or SGD 200 per month, with AUD 400 in Australia; withdrawals above the allowance incur 2%. A $5 monthly inactivity fee applies after 90 days without activity.
Cryptoback ranges from 0.5% to 8% and is paid in WXT. Standard earns 0.5% in WXT, while the 8% rate requires the €29.99 Elite plan and locking 7.5 million WXT for 180 days. Rewards also have transaction and monthly caps, including 100 WXT per purchase and 10,000 WXT per month for Standard Entry.
The company has operated crypto debit cards since the mid-2010s and its domain was first archived in 2015. Wirex reported balance migration failures from Wirexapp to Wirex One beginning June 28, 2026, with a hotfix on June 29. The legacy app then stopped supporting EEA customers on September 30, 2026. The card suits users who want a custodial spending account with broad geographic reach and accept WXT-based rewards.
| Card type | Debit |
|---|---|
| Custody | Custodial |
| Max cashback ⓘ | 8% · unverified |
| Rewards paid in | WXT · unverified |
| Staking needed for top rewards | Yes · unverified |
| Annual fee | Free · unverified |
| ATM withdrawals | GBP 200, EUR 200, or SGD 200 per month; AUD 400 per month in Australia, then 2% above the allowance · unverified |
| ATM withdrawal limit | GBP 200, EUR 200, or SGD 200 per month; AUD 400 per month in Australia · unverified |
| Available in | Global · unverified |
| Top-up networks | Ethereum, Avalanche, Stellar · unverified |
| Spend stablecoins | Yes · unverified |
| Perks | Cryptoback rewards, No annual fee · unverified |
Not disclosed by the provider: Card network, Card format, KYC required, Business card, Welcome bonus, Card issuance fee, Monthly fee, Foreign exchange fee, Top-up fee, Crypto conversion spread, Daily spending limit, Not available in, Spendable assets, Card currencies, Apple Pay, Google Pay, Good for, Card issuer, Virtual card fee, Referral program.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
The crypto-enabled debit card is issued on either the Visa or Mastercard network, depending on availability.
Cryptoback pays between 0.5% and 8% in WXT across eight reward tiers.
The free Standard tier earns 0.5% Cryptoback in WXT, with rewards capped at 100 WXT per purchase and 10,000 WXT monthly.
The 8% rate requires the Elite plan at €29.99 monthly and a 7.5 million WXT lock for 180 days.
The monthly free allowance is GBP 200, EUR 200 or SGD 200, with AUD 400 in Australia; 2% applies above it.
Wirex Token is built on Ethereum, Stellar and Avalanche, supporting the rewards system across three networks.
The related Wirex One product has five tiers, no subscription or lock-up requirement, and cashback valued in USD rather than WXT.
The crypto-enabled debit card runs on Visa or Mastercard rails and supports spending through Wirex's custodial account. Cryptoback rewards range from 0.5% to 8% in WXT across the card's reward tiers.
Wirex One is Wirex's stablecoin-focused card and neobank product. Its Base, Premium, Elite, Private, and custom tiers use portfolio balance and WPAY holdings, with cashback valued in USD rather than WXT.
Cryptoback is Wirex's card rewards programme, paying rewards in WXT. Rewards have per-transaction and monthly caps, including 100 WXT per purchase and 10,000 WXT per month for Standard Entry.
Praise focuses on reliability, speed, and using Wirex for crypto payments and transfers. Complaints are more specific and repeated, especially about frozen funds, unresponsive support, and account restrictions; users also mention failed withdrawals and high fees.
“Works very well I’m using this services from the beginning, it’s working great but you need to follow the rules, and you will be just fine, I’m a happy customer for years. AAAAAAA++++++++ service for me. The service is still great today and working very smooth, I could recommend this for anyone!!”
“Best Way to send and buy crypto”
“Horrible The worst app I have tried so far. To withdraw they never tell the “network fee”, and if asked they do not even know. The app says one thing but in reality the fees are way higher than even Binance. I closed my account and lost some money because they did not allow to withdraw.”
“Annoying Nowhere to transfer funds or spend can't send to my bank account been like this for months talked to support not helpful saying same thing like it's not available yet but fix been months”
“Terrible customer support I sent several emails, no answer”
“Fix bugs I have errors on the app Update and online checking but [sorry,something's 'gone wrong. Please try again] Please fix bugs”
Based on 40 App Store reviews, 74 Reddit posts and comments from the last 12 months, checked Oct 17, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
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Wirex Card is a custodial crypto debit card issued on Visa or Mastercard rails. It supports card spending and ATM withdrawals through Wirex's account service.
Wirex Card has no annual fee. Wirex's paid plans cost €9.99 per month for Premium and €29.99 per month for Elite, while an inactivity fee of $5 per month applies after 90 days without activity.
Wirex Card is available in more than 130 countries. Access can vary by country and region, and the legacy app stopped supporting EEA customers on September 30, 2026.
Yes, Wirex Card uses a custodial account model. Wirex is a UK-authorised electronic money institution, and balance migration failures were reported from Wirexapp to Wirex One beginning June 28, 2026; a hotfix was applied on June 29.
Yes, Wirex uses WXT, the Wirex Token. WXT is available on Ethereum, Avalanche, and Stellar, and Cryptoback rewards are paid in WXT.
Wirex Card advertises 0.5% to 8% Cryptoback in WXT. The free Standard tier earns 0.5%, while the 8% rate requires the €29.99 Elite plan and locking 7.5 million WXT for 180 days.
Recent public posts from @wirexapp, shown as published. Not reviewed or endorsed by CryptoReview.
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