Head to head
Xapo Card vs Wirex Card
You hold crypto in a self-custody wallet and you are checking whether a custody-based card is simpler for everyday spend.
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 Xapo Card charges nothing to load it. That is $10 more on every single top-up.
Where the two actually differ
- Wirex Card returns more cashback on spending, up to 8%.
- Xapo 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 1,000 for Xapo Card.
- Wirex Card excludes fewer countries, so it is the one more likely to work in a second market.
- Wirex Card accepts more assets directly, listed on its card page, which decides whether you have to convert before you spend.
- They run on different networks: visa for Xapo 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.
Xapo 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| Xapo Card | Visa | Virtual, Physical | Required | Free | Free | Free | 0.2-1.1% | $1,000 | Apple Pay, Google Pay | 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 Xapo Card if
- loading funds is free, against 1% on Wirex Card
Xapo Card is a physical and virtual card on the visa network. It has no annual fee. It pays 0.2-1.1% 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, Sanctioned. Annual fee Free, top-up Free, cashback 0.2-1.1%.
What Xapo Card costs you
- Identity verification required
- Not available in the United States
Choose Wirex Card if
- cashback is higher at 8% against 1.1%
- you take money out at ATMs, with a EUR 5,000 per month limit against 1,000
- you want to spend without converting first, and it accepts 5 assets directly against 2
- you travel, and it excludes fewer countries than the other card does
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 Xapo 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, Xapo Card or Wirex Card?
- Xapo Card and Wirex Card both cost Free a year. The difference between them is in the fees that apply per transaction.
- Does Xapo Card or Wirex Card require identity verification?
- Xapo Card requires identity verification and Wirex Card requires identity verification.
- Can I use Xapo Card and Wirex Card in the United States?
- Xapo 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, Xapo Card or Wirex Card?
- Xapo Card charges Free to load funds, against 1% for Wirex Card.
- Which of Xapo Card and Wirex Card pays cashback?
- Wirex Card pays the most, up to 8%, against 1.1% for Xapo Card.
- Can I get a physical card from Xapo Card or Wirex Card?
- Xapo Card issues physical and virtual cards and Wirex Card issues physical and virtual cards.
- Does Xapo Card or Wirex Card work with Apple Pay and Google Pay?
- Xapo Card supports Apple Pay and Google Pay and Wirex Card supports Apple Pay and Google Pay.
- Which has the higher ATM withdrawal limit, Xapo Card or Wirex Card?
- Wirex Card releases more cash, EUR 5,000 per month, against 1,000 for Xapo Card.
- Which cryptocurrencies can I spend from Xapo Card and Wirex Card?
- Xapo Card accepts 2 directly (BTC, USDC) 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 Xapo Card and Wirex Card run on?
- Xapo 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.