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Wirex Card review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
Business and travel spenders who want a single card for many currencies, crypto payments and virtual card use.
Monthly fee
$0 (Source, checked September 26, 2026)
Currency conversion fee
0% (Source, checked September 26, 2026)
Free ATM withdrawals
$0 (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Cashback rate
0.5% to 8% (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Currencies
from 150 (Source, checked September 26, 2026)
Custody
Self custody (Source, checked September 26, 2026)
Legal entity
Wirex Limited (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Founded
2014 (Source, checked September 26, 2026)
Support channels
Email, Chat, Help-centre, Community (Source, checked September 26, 2026)
Features
Multi-currency, Crypto, Virtual card, Self-custody, Travel
Audience
Business
Official website
wirexapp.com

Apps and profiles

Elsewhere
LinkedInXdiscord.gg

Pros and cons

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.
  • Authorised in the UK by the Financial Conduct Authority under FRN 902025, with further licences in Malta and El Salvador.

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.
Wirex Card

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Scored 9.1 / 10 by DebitCue.

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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.

Fees and currency costs

Wirex Card charges a monthly fee of $0 and a currency conversion fee of 0%. For readers who pay in several currencies each month, those are the two lines that decide the running cost, and here both are removed. Holding the account costs nothing, and converting between balances before you spend adds nothing to the bill.

How Wirex Card compares

Where Wirex Card is available

Licence in United Kingdom
Financial Conduct Authority (FRN 902025), checked September 26, 2026
Licence in Malta
Malta Financial Services Authority, checked September 26, 2026
Licence in El Salvador
Superintendency of the Financial System of El Salvador, checked September 26, 2026

Frequently asked questions

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.

What kind of card is it, and is there a virtual one?+

It is a debit card running on the visa network, and a virtual card is listed among its features. That gives you a card for everyday payments and another for online subscriptions and travel bookings, with multi-currency and crypto also listed as features.

Who regulates Wirex, and where is it based?+

Wirex Limited is based in the United Kingdom and is regulated there by the Financial Conduct Authority, reference FRN 902025. It also holds licences in Malta and El Salvador, so the UK regulator is the main place to start when checking who supervises the account.

Can I spend crypto, and who holds the funds?+

Custody is self-custody, so the keys stay with you rather than with Wirex. Crypto spending is listed as a feature and cashback of 0.5% to 8% applies on card purchases, which suits readers who are comfortable looking after their own keys.

Are cash machine withdrawals free?+

Free ATM withdrawals are $0, so cash machine use is not included, and the card ranks 41 of 115 on that measure. Budget for a charge each time if you take money out regularly.

What rewards come with the card?+

Cashback runs 0.5% to 8%, so the rate moves with the tier and the account. Because this is a debit card rather than a credit product, that cashback is the main way the cost of using it is offset, alongside the monthly fee of $0.

How do I get help?+

Support runs on email, chat and help centre, covering email, chat, a help centre and a community forum, and no phone line appears among them. Anything urgent is worth raising in writing so you keep a record of the answer and of when it arrived.

Sources

  • wirexapp.com checked September 26, 2026

    Backs: Audience

    “Business Accounts - Global corporate accounts that connect traditional banking with stablecoin infrastructure”

  • wirexapp.com/legal/one/terms checked September 26, 2026

    Backs: Card type, Custody, Headquarters, Legal entity, Support channels, Licences

    “The Wirex Card does not provide any credit facility. Transactions attempted without sufficient available assets may be declined.”

  • wirexapp.com/personal checked September 26, 2026

    Backs: Free ATM withdrawals, Founded

    “enjoy fee-free ATM withdrawals worldwide”

  • wirexapp.com/stablecoin-and-crypto-card checked September 26, 2026

    Backs: Cashback rate, Currencies, Features, Currency conversion fee, Monthly fee, Card network

    “Every eligible purchase earns between 0.5% and 8% back in USD, depending on your membership tier.”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Protection.

Wirex Card

Wirex Card

Business and travel spenders who want a single card for many currencies, crypto payments and virtual card use.

9.1/10Visit