Head to head
SpectroCoin Card vs Wirex Card
You are in the EEA and you are comparing the oldest crypto card there with a current multi-country one.
What the difference costs you
The same two fee tables, turned into money. Useful if you load funds more than a few times a year.
- Load $1,000 onto each card. Wirex Card charges $10 to load it, against SpectroCoin Card charges nothing to load it. That is $10 more on every single top-up.
- The annual fee runs the other way: Wirex Card is $13.8 a year cheaper to keep. At that load size you would make 2 top-ups of $1,000 before Wirex Card's higher loading fee caught up with the $13.8 it saves on the annual fee.
Where the two actually differ
- Wirex Card costs less per year: Free against $13.8.
- Wirex Card returns more cashback on spending, up to 8%.
- SpectroCoin Card charges less to load funds onto the card. If you add money regularly, that difference applies far more often than the annual fee does.
- If you use ATMs, Wirex Card has the higher cash withdrawal limit: EUR 5,000 per month against 2,500 for SpectroCoin Card.
- Wirex Card supports more mobile wallets, which is what decides whether you can pay with a phone.
- Wirex Card excludes fewer countries, so it is the one more likely to work in a second market.
- They run on different networks: visa for SpectroCoin Card and mastercard for Wirex Card.
Every line above is generated from the fields in the table below, so none of it is an opinion. Where a value is missing from the provider dataset, the difference is reported as unknown rather than as a win.
SpectroCoin Card fees vs Wirex Card fees, side by side
The crypto card fees, limits and verification rules both providers publish, on the same rows. A dash means the dataset holds no value for that field rather than that the value is zero.
| Card | Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|---|
| SpectroCoin Card | Visa | Virtual, Physical | Required | $13.8 | Free | Free | 0% | $2,500 | — | No |
| Wirex Card | Mastercard | Virtual, Physical | Required | Free | Free | 1% | 0.5-8% | EUR 5,000 | Apple Pay, Google Pay | No |
Fee, limit and KYC data was last updated 2026-10-02.
Which one you should pick
Each line below is a case where that card beats the other one on a field both providers publish. Nothing here is an overall score.
Choose SpectroCoin Card if
- loading funds is free, against 1% on Wirex Card
SpectroCoin Card is a physical and virtual card on the visa network. It costs $13.8 a year. It pays 0% 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 US, CA, AU, JP, CN, RU. Annual fee $13.8, top-up Free, cashback 0%.
What SpectroCoin Card costs you
- $13.8 annual card fee
- Identity verification required
- No Apple Pay or Google Pay support
Choose Wirex Card if
- there is no annual fee, where SpectroCoin Card charges $13.8 a year
- spending earns cashback, which SpectroCoin Card does not pay
- you pay with your phone, and it supports Apple Pay and Google Pay where the other card supports neither
- you take money out at ATMs, with a EUR 5,000 per month limit against 2,500
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. Annual fee Free, top-up 1%, cashback 0.5-8%.
What Wirex Card costs you
- 1% top-up fee
- Identity verification required
- Not available in the United States
Questions about SpectroCoin Card and Wirex Card
Answered from the same provider dataset as the table above. A question is left out rather than answered with “not published”.
- Which is cheaper, SpectroCoin Card or Wirex Card?
- Wirex Card is cheaper at Free a year, against $13.8 for SpectroCoin Card.
- Does SpectroCoin Card or Wirex Card require identity verification?
- SpectroCoin Card requires identity verification and Wirex Card requires identity verification.
- Can I use SpectroCoin Card and Wirex Card in the United States?
- SpectroCoin Card does not list the United States as a supported region and Wirex Card does not list the United States as a supported region.
- Which has the cheaper top-up fee, SpectroCoin Card or Wirex Card?
- SpectroCoin Card charges Free to load funds, against 1% for Wirex Card.
- Which of SpectroCoin Card and Wirex Card pays cashback?
- Wirex Card pays the most, up to 8%, against nothing for SpectroCoin Card.
- Can I get a physical card from SpectroCoin Card or Wirex Card?
- SpectroCoin Card issues physical and virtual cards and Wirex Card issues physical and virtual cards.
- Does SpectroCoin Card or Wirex Card work with Apple Pay and Google Pay?
- SpectroCoin Card supports neither and Wirex Card supports Apple Pay and Google Pay.
- Which has the higher ATM withdrawal limit, SpectroCoin Card or Wirex Card?
- Wirex Card releases more cash, EUR 5,000 per month, against 2,500 for SpectroCoin Card.
- Which cryptocurrencies can I spend from SpectroCoin Card and Wirex Card?
- SpectroCoin Card accepts 5 directly (BTC, ETH, XRP, LTC, XLM) and Wirex Card accepts 5 (BTC, ETH, USDT, XRP, LTC), so an asset one of them does not list has to be converted before you spend it.
- Which card network do SpectroCoin Card and Wirex Card run on?
- SpectroCoin Card runs on visa and Wirex Card on mastercard.
Other options you are weighing
Available in the country you are browsing from.
| Card | Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|---|
| Plasma One | Visa | Virtual, Physical | Required | Free | Free | Free | 2% | — | Apple Pay, Google Pay | Yes |
| Kardpay Card | Mastercard | Virtual | — | Free | $29 | 5% | 0-2% | $1,500 · daily | — | Yes |
| Zero Fiat Browser Extension | Mastercard | Virtual | Not required | Free | Free | Free | 1% | — | — | Yes |
Both cards are described from the provider dataset bit.pizza maintains, last updated 2026-10-02. Providers change their own fees and terms, so confirm anything you rely on with them directly.