Updated September 28, 2026 · DebitCue Editorial Team
BBVA Deutschland vs Wirex
Wirex
BBVA Deutschland
Higher score in this comparison
BBVA Deutschland vs Wirex: the differences
| Compare | BBVA DeutschlandReviewSee alternativesSee alternatives | WirexReviewVisitVisit |
|---|---|---|
| Monthly fee | €0 | $0 |
| Free ATM withdrawals | €150 | $400 |
| Cashback rate | 3.75% | 8%Higher |
| Card network | Mastercard | Visa |
| Currencies | Not confirmed | 150 |
| Custody | Not confirmed | Custodial |
Same on both: Currency conversion fee (0%), Card type (Debit).
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Key differences
- BBVA Deutschland scores higher overall: 9.7 vs 9.6.
- BBVA Deutschland is available in 1 more country.
- Cashback rate is higher at Wirex: 8% vs 3.75%.
- Features: only Wirex offers Crypto, Custodial, Virtual card.
Our verdict on each
BBVA Deutschland
BBVA Deutschland is a German debit card that suits people who spend abroad and want no monthly or conversion charge. The monthly fee is €0 with a conversion fee of 0%, and cashback of 3.75% comes back on everyday purchases made on the card.
Wirex
Wirex suits people who want crypto spending, travel money and cashback on one custodial Visa debit card. Costs are the draw: a monthly fee of $0 and a currency conversion fee of 0% place it at the front of the 259 brands compared on conversion costs.
Score breakdown
| Area | BBVA Deutschland | Wirex |
|---|---|---|
| Cost | 9.4Cost sits at the flat end: monthly fee of €0, conversion fee of 0%, and free ATM withdrawals of €150. | 9.4Monthly fee of $0 and a currency conversion fee of 0% keep running costs at the floor. |
| Offer | 9.7A debit card on the mastercard network, cashback of 3.75%, and multi-currency and travel features. | 9.9HigherCashback of 8% and 150 currencies with crypto and virtual card options drive the offer. |
| Trust | 10.0 | Not confirmed |
Availability and regulation
| Country | BBVA Deutschland | Wirex |
|---|---|---|
| Spain | Comision Nacional del Mercado de Valores (CNMV) MiCA CASP K8MS7FD7N5Z2WQ51AZ71 | Not confirmed |
| United Kingdom | Not confirmed | FCA 902025 |
Additional countries for BBVA Deutschland: 2. Additional countries for Wirex: 1.
Also worth a look
PUMB has cashback rate at 20%, against 3.75% for BBVA Deutschland and 8% for Wirex.
PUMB reviewHow they place
| Ranking | BBVA Deutschland | Wirex |
|---|---|---|
| Debit cards | 54 of 1336 | 17 of 1336 |
| Travel cards | 25 of 443 | 12 of 443 |
| No foreign transaction fee cards | 10 of 111 | 4 of 111 |
Every fact side by side
| Fact | BBVA Deutschland | Wirex |
|---|---|---|
| Features | Multi currency, Travel | Crypto, Custodial, Multi currency, Travel, Virtual cardCovers more |
| Legal entity | Banco Bilbao Vizcaya Argentaria S.A. | Wirex Limited |
| Headquarters | Spain | Not confirmed |
| Founded | 1857 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centre | Not confirmed |
Where each stands against the rest
| Fact | BBVA Deutschland | Wirex | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | 0%below the median | 1% |
| Cashback rate | 3.75%above the median | 8%highest quarter | 2% |
| Currencies | Not confirmed | 150highest quarter | 8 |
Median across 387 listed cards.
Pros and cons
BBVA Deutschland
Pros
- Monthly fee of €0 a month on a debit card
- Conversion fee of 0% on spending abroad, with the card sitting at 1 of 259 on that measure
- Support runs on email, chat and phone, covering phone, email, chat and a help centre
Cons
- Free ATM withdrawals are limited to €150, below the €177.93 mark for debit cards
- As a debit card it draws on the account balance, so there is no credit line to fall back on
- The reward is cashback of 3.75%, so nothing accrues toward points or miles
Wirex
Pros
- Monthly fee of $0 on a standard Visa debit account
- Currency conversion fee of 0%, ranked 1 of 259 brands
- Cashback of 8% returned on everyday card spending
Cons
- The account is custodial, so balances sit with Wirex Limited rather than with you
- Free ATM withdrawals of $400 rank 8 of 115
Who each suits
BBVA Deutschland
Who it suits
- You want a debit card with no monthly fee and no conversion fee
- You pay in several currencies and travel regularly
- You want cashback on everyday spending rather than a points balance
Who should look elsewhere
- You want to hold many currencies at once, which suits Wise with a monthly fee of £0
- You want a secured credit card for building credit history, which suits Chime Card (Secured Visa Credit Card)
- You take cash out often, as the free allowance here is €150
Wirex
Who it suits
- Crypto holders who want to spend through a normal Visa debit card
- Travellers who convert several currencies at a low conversion fee
- Multi currency earners who want cashback and a virtual card
Who should look elsewhere
- People who want to hold their own keys, since the Wirex account is custodial
- Anyone wanting a plain current account: Starling Personal Account Debit Card charges £0
- Anyone who only needs a bank debit card: Wise charges a monthly fee of £0
Current offers
BBVA Deutschland
Current offer
Bonus
Cashback on purchases: 3.75%
On online and offline purchases totaling up to €400 in purchase value, meaning you can receive €90 cashback in 6 months.
Source, checked September 26, 2026
Wirex
Current offer
Bonus
Up to 8% Cashback on Card Spend - Wirex: Up to 8% cashback
Earnings subject to eligibility
Source, checked September 26, 2026
Country by country
| Country | BBVA Deutschland | Wirex |
|---|---|---|
| Germany | Yes | No |
| Spain | Yes | No |
| United Kingdom | No | Yes |
Questions about each
BBVA Deutschland
What does the BBVA Deutschland debit card cost to hold?+
The monthly fee is €0, so keeping the account open carries no charge. Spending goes through the debit card against your BBVA balance, and cashback of 3.75% comes back on everyday purchases.
Is there a fee when I spend in another currency?+
The currency conversion fee is 0%, so card payments abroad are not charged an extra conversion cost. The card carries multi-currency and travel features, and it runs on the mastercard network, which is accepted widely across Europe.
Wirex
What does Wirex cost to hold each month?+
The monthly fee is $0 on the standard debit account, and Wirex ranks 1 of 419 brands compared on that measure. Costs are simple to state: the currency conversion fee is 0%, so there is little to add for everyday use.
What does Wirex charge to convert currency?+
The currency conversion fee is 0%, which places Wirex at 1 of 259 brands compared. Travellers moving between several of the 150 currencies held on the account can convert at that rate.
Other options to compare
Other matchups
Wirex
BBVA Deutschland