Updated October 17, 2026 · DebitCue Editorial Team
BBVA Deutschland vs Wirex Card
Wirex Card
BBVA Deutschland
Higher score in this comparison
What sets them apart
| Compare | BBVA DeutschlandReviewSee alternativesSee alternatives | Wirex CardReviewVisitVisit |
|---|---|---|
| Monthly fee | €0 | $0 |
| Free ATM withdrawals | €150 | $0 |
| Cashback rate | 3.75% | 0.5% to 8%Higher |
| Card network | Mastercard | Visa |
| Currencies | Not confirmed | from 150 |
| Custody | Not confirmed | Self custody |
Same on both: Currency conversion fee (0%), Card type (Debit).
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Key differences
- BBVA Deutschland scores higher overall: 9.7 vs 9.1.
- Founded is lower at BBVA Deutschland: 1857 vs 2014.
- Wirex Card is licensed in 2 more countries.
- Cashback rate is higher at Wirex Card: 0.5% to 8% vs 3.75%.
- Support channels: only BBVA Deutschland offers Phone.
- Support channels: only Wirex Card offers Community.
- Features: only Wirex Card offers Crypto, Virtual card, Self custody.
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 Card
Wirex Card suits business users and frequent travellers abroad who want crypto spending on a multi-currency card, with a currency conversion fee of 0% and a monthly fee of $0. Self-custody, from 150 currencies and cashback of 0.5% to 8% add pull, though free ATM withdrawals are $0.
Score breakdown
| Area | BBVA Deutschland | Wirex Card |
|---|---|---|
| Cost | 9.4Cost sits at the flat end: monthly fee of €0, conversion fee of 0%, and free ATM withdrawals of €150. | 9.4Holds rank 1 on monthly fee and 1 on currency conversion, with fees of $0 a month and 0%. |
| Offer | 9.7HigherA debit card on the mastercard network, cashback of 3.75%, and multi-currency and travel features. | 9.2 |
| Trust | 10.0Higher | 8.7 |
Licences and countries
| Country | BBVA Deutschland | Wirex Card |
|---|---|---|
| El Salvador | Not confirmed | |
| Malta | Not confirmed | |
| Spain | Comision Nacional del Mercado de Valores (CNMV) MiCA CASP K8MS7FD7N5Z2WQ51AZ71 | Not confirmed |
| United Kingdom | Not confirmed | Financial Conduct Authority FRN 902025 |
Which one suits you
Pick BBVA Deutschland if offer matter most.
Pick Wirex Card if cashback rate matter most.
If neither fits
PUMB has cashback rate at 20%, against 3.75% for BBVA Deutschland and 0.5% to 8% for Wirex Card.
PUMB reviewHow they place
| Ranking | BBVA Deutschland | Wirex Card |
|---|---|---|
| Debit cards | 54 of 1336 | 30 of 1336 |
| Travel cards | 25 of 443 | 19 of 443 |
| No foreign transaction fee cards | 10 of 111 | 7 of 111 |
Every fact side by side
| Fact | BBVA Deutschland | Wirex Card |
|---|---|---|
| Features | Multi currency, Travel | Multi currency, Crypto, Virtual card, Self custody, TravelCovers more |
| Audience | Not confirmed | Business |
| Legal entity | Banco Bilbao Vizcaya Argentaria S.A. | Wirex Limited |
| Headquarters | Spain | United Kingdom |
| Founded | 1857Lower | 2014 |
| Support channels | Email, Chat, Phone, Help centre | Email, Chat, Help centre, Community |
Where each stands against the rest
| Fact | BBVA Deutschland | Wirex Card | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | 0%below the median | 1% |
| Cashback rate | 3.75%above the median | 0.5% to 8%highest quarter | 2% |
| Currencies | Not confirmed | from 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 Card
Pros
- Currency conversion costs 0% on a debit card, so spending in another currency adds no extra cost.
- The monthly fee is $0 and the account supports from 150 currencies on the visa network.
- Self-custody and a virtual card are both listed features, alongside crypto spending and travel use.
Cons
- Free ATM withdrawals are $0, so cash machine visits cost extra; the card ranks 41 of 115 on that measure.
- Support runs on email, chat and help centre only, so there is no phone line for urgent problems.
- Cashback of 0.5% to 8% moves with the tier reached, so the headline rate is not guaranteed.
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 Card
Who it suits
- Businesses and freelancers paying in several currencies each month.
- Readers who want to spend crypto while keeping custody of their own funds.
- Travellers who want a virtual card for online bookings and a physical debit card for daily spending.
Who should look elsewhere
- Wise, whose monthly fee is £0, for anyone who wants a multi-currency account that keeps no crypto balance.
- Starling Personal Account Debit Card, with £0 a month, for straightforward current account banking rather than crypto spending.
- Bitpanda, whose monthly fee is €0, for readers who want a crypto card and not the business focus listed for Wirex.
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 Card
Current offer
Discount code
50% subscription rebates on Wirex One card: 50% back in USD on eligible subscriptions (Uber One, ChatGPT Plus, Claude Pro, Perplexity Pro, Whoop, Bloomberg, Financial Times)
Pay for eligible subscriptions using the Wirex One card; rebate capped at the standard plan price for each service; tiers unlock more subscriptions
Source, checked September 26, 2026
Bonus
Up to 8% cashback on every purchase: 0.5% to 8% back in USD depending on membership tier
Every eligible purchase earns between 0.5% and 8% back in USD depending on tier; credited to Rewards Balance on transaction clearance
Source, checked September 26, 2026
Bonus
Wirex Exclusive Rewards Portal: Up to 16% cashback shopping online with 100+ partner retailers
Via the cashback portal at cashback.wirexapp.com
Source, checked September 26, 2026
Country by country
| Country | BBVA Deutschland | Wirex Card |
|---|---|---|
| Germany | Yes | No |
| Spain | Yes | No |
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 Card
What does it cost to hold a Wirex Card?+
The monthly fee is $0 and the currency conversion fee is 0%, so holding the card and converting money both cost nothing. Cash machine withdrawals are the exception and are billed separately, so allow for a charge each time if you rely on cash in hand.
Will I pay a foreign transaction fee abroad?+
The currency conversion fee is 0%, so there is no charge for converting on the card. The account supports from 150 currencies, which lets you hold and spend in the currency of the place you are in instead of paying a conversion cost on every purchase.
Other options to compare
Other matchups
Wirex Card
BBVA Deutschland