Crypto card review
Wirex Card review: fees, limits and KYC
Wirex Card is a physical and virtual card on the mastercard network. It has no annual fee. It pays 0.5-8% cashback on spending. The provider requires identity verification before issuing it. The provider does not list the United States as a supported region, and excludes USA.
MastercardVirtualPhysicalKYC required
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Crypto card fees on Wirex Card, and what it offers
Three fields decide what Wirex Card costs: the annual fee, the issuance fee and the top-up fee. For this card the dataset holds an annual fee of Free, an issuance fee of Free and a top-up fee of 1%. Top-up is the one that recurs, because it is charged each time value is moved onto the card, which is why it costs more over a year than the annual fee usually does. Wirex Card publishes an ATM limit of EUR 5,000, which is the most it will hand out in cash.
| Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|
| Mastercard | Virtual, Physical | Required | Free | Free | 1% | 0.5-8% | EUR 5,000 | Apple Pay, Google Pay | No |
A dash in this table means the provider dataset holds no value for that field. It does not mean the fee is zero. Fee and limit data was last updated 2026-10-02.
Where Wirex Card is available
The provider lists UK, EU, US as supported, and excludes USA. Availability is the first thing to check, because a lower fee does not help if the provider will not issue to you.
What you can spend from Wirex Card
The provider supports these assets directly on the card: BTC, ETH, USDT, XRP, LTC. Anything not on that list has to be converted before you spend it, and the conversion fee applies.
The trade-offs on Wirex Card
These are read straight off the fields in the table above, not opinions.
What works in your favour
- No annual card fee
- Free card issuance
- 0.5-8% cashback on spending
- Apple Pay and Google Pay supported
What costs you
- 1% top-up fee
- Identity verification required
- Not available in the United States
What people say about Wirex Card
Short extracts from public reviews, kept short and linked back to the source, collected 2026-09-29. These are other people's opinions, not ours.
These come from Trustpilot and cover the whole Wirex Card service, not only the card, so account handling, support and transfers appear alongside anything about spending. They are the reviews the source lists first, not a balanced or curated selection, so a run of complaints can appear here exactly as it does on the source. A block is only shown when enough of the collected reviews actually discuss spending with crypto, because a brand name is not a product and some providers share a name with an unrelated business. Read this section for the provider's reputation and the table above for what the card itself charges and does.
On August 25, Wirex lost $1,295 USDT of mine. Later, technical support told me the issue would be resolved if I switched to Wirex One.
Ульяна Бадаева, trustpilot.com, rated 1/5
I have been waiting since 24 August for Wirex to return my 2,094.078 USDT.Wirex identified the transaction, confirmed that a manual refund would be processed,…
Alexey, trustpilot.com, rated 1/5
Wirex has been holding 7,402.05 USDC of mine since 20 July 2026. The transfer was stopped under Wirex's verification / Travel Rule process, and I…
Dennis Schobert, trustpilot.com, rated 1/5
I'm experiencing issues with migrating my Bitcoin from the old app to Wirex One. In the old app, I can see the balance, but the…
Roberta Baldizzone, trustpilot.com, rated 1/5
The worst crypto bank that exists blocks your money, exercises arbitrary control, and has zero respect for its users' privacy
user, trustpilot.com, rated 1/5
I've been using Wirex since 2023 and it has always worked fine for me. My use case is payment of day-to-day living and travel expenses…
RebelOfBabylon, trustpilot.com, rated 5/5
Extremely disappointing experience with Wirex. My account was restricted because I added too many cards. Back in August, I was told that the issue would…
Zak Johansen, trustpilot.com, rated 1/5
Since my last complaint, I received acknowledgement and nothing happened. I honestly don't know what else to do and the worst thought is what if…
Mosesele Sehlapelo, trustpilot.com, rated 1/5
This is continuation of my previous review. Unfortunately, Trustpilot does not allow me to provide links. I am updating my review because Wirex has now…
Abhijeet Kulkarni, trustpilot.com, rated 1/5
If your account is restrited by the app, you will hard to get your money back. be careful. They won't reply you soon ,maybe a…
Zhong, trustpilot.com, rated 1/5
Cards to compare Wirex Card against
Available in the country you are browsing from, on the same fields as the table above.
| Card | Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|---|
| Tria Card | Visa | Virtual, Physical | Required | Free | Free | Free | 1.5-6% | — | Apple Pay, Google Pay | Yes |
| CoinZoom Card | Visa | Virtual, Physical | Required | Free | $10 | 1.99% | 0.5-5% | $1,000 | Apple Pay, Google Pay | Yes |
| Ether.fi Card | Visa | Virtual, Physical | Required | Free | Free | Free | 2-3% | $10,000 | Apple Pay, Google Pay | Yes |
Wirex Card in context
Cashback 0.5-8%, top-up 1%, annual fee Free. Provider terms change on their own schedule; confirm anything you rely on with the provider before you fund an account.