Wirex One Card

Name: Wirex One Card
Brand: Wirex
Rating: 1.9 (15 reviews)

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Your first yearCosts about/yr

If you spend/mo

Monthly fee · none: $0
Cashback · 0.5%: /yr
Currency fee · 0%: $0
ATM: Not published
Your money: You hold it
Sign-up: ID check
Apple / Google Pay
The card itself: Free virtual; physical from Premium

How we calculateChecked November 10, sources in each section below

Our take

For people who want cashback in dollars and a card tied to wallets they control. Not for you if you want a plastic card without keeping a balance and the Wirex token.

Need cash from ATMs? Compare with Lava Card

Good to know

Cashback paid in dollars
Free SEPA and UK bank top-ups
Higher tiers need WPAY tokens
Plastic card needs $500+ balance
No full fee table published

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Fees

Source

Monthly fee: $0No subscription in Wirex One
Virtual card: Wirex help center, fees (old app) · November 10; Free
Physical card: Wirex One help center, your Wirex One card (16.10.2026) · November 10; From Premium tierDelivery fee not published; metal delivery free on Bespoke
Paying abroad: 0% extraMarketing says zero FX fees; the help center says the rate and fees depend on the account and currency, no numbers published

Plans

Base$0

0.5% back in USD
Virtual card

PremiumKeep $500, 1% in WPAY

1% back
Plastic card
$250 ATM a month

EliteKeep $2,500, 3% in WPAY

3% back
$750 ATM a month

PrivateKeep $25,000, 5% in WPAY

5% back
Metal card
$2,500 ATM a month

BespokeKeep $50,000, 10% in WPAY

8% back
Unlimited ATM

Limits

Source

Spending limits: €30,000 a purchase and a monthMetal: €75,000 a month; limits may vary by region
Cash withdrawal: €750 a day, €5,000 a monthPhysical and metal cards

Top up & withdraw

Source

Top up

Crypto: Stablecoins and crypto; USDT 0.08% on BasePremium free to $10,000 a month, Elite to $50,000, Private and Bespoke free; USD/EUR stablecoins credited 1:1
Bank transfer: Wirex One help center, deposit EUR via SEPA · November 10; SEPA, Faster Payments, ACH free to receiveYour bank may charge its own fee

Withdraw

To a bank account: Wirex One help center, withdraw EUR via SEPA (13.10.2026) · November 10; SEPA, Faster Payments, ACHFee shown before you confirm, not published
Cash withdrawal: Wirex One help center, membership levels benefits (03.11.2026) · November 10; Free to $100–2,500 a month by tierFee above the allowance not published; €750 a day, €5,000 a month

For residents of 73 countries

Not on the list? Then Wirex One Card doesn't accept people living there yet.

How they check where you live: Country-of-residence confirmation during in-app KYC
ID from another country: Not published
ID accepted: Wirex help center, accepted ID documents · November 10; Passport (almost any issuing country); ID card, driving licence, residence permit only from someTable by issuing country in the help center, e.g. Germany: all four; Russia: passport only; USA: passport, ID card, driving licence
Pays in: Wirex One help center, your Wirex One card (16.10.2026) · November 10; Anywhere Visa or Mastercard worksPhysical card is Visa or Mastercard; metal is Visa Signature

Trust

Source

Card issued by: Wirex Limited (Visa and Mastercard principal member)
Licence: FCA e-money institution FRN 902025; programme manager UAB Wirex (Lithuania) in the EEA; Novatti Group in Australia and New Zealand
Based in: United Kingdom / Lithuania

App StoreChecked November 10

1.9★15 ratings

Changes

November 12Re-checked against the Wirex One help center: Apple Pay and Google Pay work, 0.08% on USDT top-ups on Base, spending and ATM limits published; old-app fees dropped
October 29Old Wirex app services discontinued in most markets (except the UK, El Salvador and Private); new users sign up in Wirex One, existing cards keep their number
November 10Wirex Card: checked against the official pages; describes Wirex One