Updated October 17, 2026 · DebitCue Editorial Team
Nebeus vs Wirex Card
Nebeus
Wirex Card
Higher score in this comparison
Nebeus vs Wirex Card: the differences
| Compare | NebeusReviewVisitVisit | Wirex CardReviewVisitVisit |
|---|---|---|
| Monthly fee | €0 | $0 |
| Free ATM withdrawals | €2,000 | $0 |
| Cashback rate | 0% | 0.5% to 8%Higher |
| Custody | Custodial | Self custody |
| Card network | Not confirmed | Visa |
| Currencies | Not confirmed | from 150 |
Same on both: Currency conversion fee (0%), Card type (Debit).
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Key differences
- Wirex Card scores higher overall: 9.1 vs 9.0.
- Wirex Card is licensed in 2 more countries.
- Cashback rate is higher at Wirex Card: 0.5% to 8% vs 0%.
- Features: only Nebeus offers Custodial.
- Features: only Wirex Card offers Self custody, Travel.
Our verdict on each
Nebeus
Nebeus is a Spanish custodial debit card for people who want everyday spending across several currencies with nothing spent on monthly or conversion charges. The €2,000 free ATM allowance is the standout, and the 0% conversion fee makes it a fit for travel and multi-currency spend.
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 | Nebeus | Wirex Card |
|---|---|---|
| Cost | 9.4Monthly fee €0, conversion fee 0% and ATM allowance €2,000 put the cost line at the top. | 9.4Holds rank 1 on monthly fee and 1 on currency conversion, with fees of $0 a month and 0%. |
| Offer | 9.0Cashback of 0% and multi currency, crypto and virtual card features, a virtual card and crypto, give a middling offer score. | 9.2Higher |
| Trust | 8.7 | 8.7 |
Where they rank in our lists
| Ranking | Nebeus | Wirex Card |
|---|---|---|
| Debit cards | 32 of 1336 | 30 of 1336 |
| No foreign transaction fee cards | 8 of 111 | 7 of 111 |
Sources behind this comparison
Nebeus
- opencryptocards.com: 7 facts, checked September 26, 2026
- nebeus.com: 2 facts, checked September 26, 2026
- cryptonoshi.com: 1 fact, checked September 26, 2026
Wirex Card
- wirexapp.com: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | Nebeus | Wirex Card |
|---|---|---|
| Features | Multi currency, Crypto, Virtual card, Custodial | Multi currency, Crypto, Virtual card, Self custody, Travel |
| Audience | Not confirmed | Business |
| Legal entity | Rintral Trading | Wirex Limited |
| Headquarters | Spain | United Kingdom |
| Founded | 2014 | 2014 |
| Support channels | Not confirmed | Email, Chat, Help centre, Community |
Where each stands against the rest
| Fact | Nebeus | Wirex Card | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | 0%below the median | 1% |
| Cashback rate | 0%lowest quarter | 0.5% to 8%highest quarter | 2% |
| Currencies | Not confirmed | from 150highest quarter | 8 |
Median across 387 listed cards.
Pros and cons
Nebeus
Pros
- Monthly fee of €0 on the debit account
- Currency conversion fee of 0% across multi currency, crypto and virtual card features
- Free ATM withdrawals of €2,000
Cons
- Cashback rate of 0% means nothing comes back on spending
- Custody of custodial puts your balance with the provider, not in your own wallet
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
Nebeus
Who it suits
- People holding balances in several currencies who spend often abroad
- Users who want a virtual card for online payments from the same account
- Anyone who wants free ATM withdrawals without a monthly charge
Who should look elsewhere
- Chime Card (Secured Visa Credit Card), if you want credit building rather than a plain spending card
- Varo Believe Secured Credit Card, if a deposit backed card fits your spending better
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
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 | Nebeus | Wirex Card |
|---|---|---|
| Spain | Yes | No |
Questions about each
Nebeus
What does the Nebeus card cost to hold?+
The monthly fee is €0 on the debit account, so there is no charge for keeping the card active. Spending abroad adds a currency conversion fee of 0%. Overall the card scores 6.2 out of ten, with a cost part of 7.
Is there a fee when I change currency?+
Nebeus charges 0% for currency conversion, which is well below the site median of 1%. That is why the card ranks 1 of 259 brands on conversion fees. Its multi-currency support is part of multi currency, crypto and virtual card.
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.