Updated October 17, 2026 · DebitCue Editorial Team
Wirex vs Wirex Card
Wirex
Higher score in this comparison
Wirex Card
Where Wirex and Wirex Card differ
| Compare | WirexReviewVisitVisit | Wirex CardReviewVisitVisit |
|---|---|---|
| Free ATM withdrawals | $400Higher | $0 |
| Cashback rate | 8% | 0.5% to 8% |
| Currencies | 150 | from 150 |
| Custody | Custodial | Self custody |
Same on both: Monthly fee ($0), Currency conversion fee (0%), Card type (Debit), Card network (Visa).
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Key differences
- Wirex scores higher overall: 9.6 vs 9.1.
- Wirex Card is licensed in 2 more countries.
- Free ATM withdrawals is higher at Wirex: $400 vs $0.
- Features: only Wirex offers Custodial.
- Features: only Wirex Card offers Self custody.
Our verdict on each
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.
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 | Wirex | Wirex Card |
|---|---|---|
| Cost | 9.4Monthly fee of $0 and a currency conversion fee of 0% keep running costs at the floor. | 9.4Holds rank 1 on monthly fee and 1 on currency conversion, with fees of $0 a month and 0%. |
| Offer | 9.9HigherCashback of 8% and 150 currencies with crypto and virtual card options drive the offer. | 9.2 |
| Trust | Not confirmed | 8.7 |
Positions in our rankings
| Ranking | Wirex | Wirex Card |
|---|---|---|
| Debit cards | 17 of 1336 | 30 of 1336 |
| Travel cards | 12 of 443 | 19 of 443 |
| No foreign transaction fee cards | 4 of 111 | 7 of 111 |
What it costs in practice
A year with 1,000 spent abroad
Wirex
$0
12 × $0 + 0% of 1,000
Wirex Card
$0
12 × $0 + 0% of 1,000
Both come to the same total.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where each is licensed and available
| Country | Wirex | Wirex Card |
|---|---|---|
| United Kingdom | FCA 902025 | Financial Conduct Authority FRN 902025 |
| El Salvador | Not confirmed | |
| Malta | Not confirmed |
Also worth a look
Travel Wallet has free atm withdrawals at $500, against $400 for Wirex and $0 for Wirex Card.
Travel Wallet reviewEvery fact side by side
| Fact | Wirex | Wirex Card |
|---|---|---|
| Features | Crypto, Custodial, Multi currency, Travel, Virtual card | Multi currency, Crypto, Virtual card, Self custody, Travel |
| Audience | Not confirmed | Business |
| Legal entity | Wirex Limited | Wirex Limited |
| Headquarters | Not confirmed | United Kingdom |
| Founded | Not confirmed | 2014 |
| Support channels | Not confirmed | Email, Chat, Help centre, Community |
Where each stands against the rest
| Fact | Wirex | Wirex Card | Median |
|---|---|---|---|
| Monthly fee | $0at the median | $0at the median | $0 |
| Currency conversion fee | 0%below the median | 0%below the median | 1% |
| Free ATM withdrawals | $400highest quarter | $0at the median | $0 |
| Cashback rate | 8%highest quarter | 0.5% to 8%highest quarter | 2% |
| Currencies | 150highest quarter | from 150highest quarter | 8 |
Median across 387 listed cards.
Pros and cons
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
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
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
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
Current offer
Bonus
Up to 8% Cashback on Card Spend - Wirex: Up to 8% cashback
Earnings subject to eligibility
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 | Wirex | Wirex Card |
|---|---|---|
| United Kingdom | Yes | No |
Questions about each
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.
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.