Wirex Card review

3.0Last reviewed 2026-08-24

Wirex Card covers more countries than almost any other issuer in this set, spanning Europe, Asia-Pacific, Latin America, and a long list of other markets, but its headline 8% Cryptoback rate is one of the most heavily gated in the crypto card market.

Rewards run on Wirex's own X-tras subscription system with three paid plans: Standard (free), Premium (€9.99/month), and Elite (€29.99/month), each split into Entry, Enhanced, and Ultimate tiers unlocked by locking increasing amounts of WXT, Wirex's native token, for 180 days. The free Standard Entry tier earns just 0.5% Cryptoback, rising to 1% after locking 150,000 WXT. Premium tiers range from 1% to 3% with WXT lockups up to 750,000 tokens. Elite tiers range from 4% to 8%, with the top 8% Ultimate tier requiring both the €29.99/month subscription and 7,500,000 WXT locked for 180 days. Each tier also caps both the per-transaction and monthly WXT reward amount, so even qualifying for a high percentage does not guarantee earning it on every purchase. Cryptoback excludes ATM withdrawals, peer-to-peer transfers, and tax payments, and in the EEA and Australia the legacy Cryptoback program on the Classic app ended June 30, 2026, with remaining rewards paid out only after upgrading to the newer Wirex One app.

On fees, Wirex advertises 0% FX markup on ordinary fiat card spending regardless of tier, though spending from a crypto balance carries a separate conversion spread of roughly 0.5% to 1.5% that is not part of the advertised FX rate. Free monthly ATM withdrawal allowances scale by tier and region, typically around €200/£200 on Standard rising toward higher regional caps on Elite, with a 2% fee applying above the allowance.

Order the Wirex Card

Issuer: Wirex Limited (UK, FCA-regulated EMI) / Wirex UAB (Lithuania, EEA passporting)
Rewards: Cryptoback in WXT ranges 0.5% on the free Standard plan up to 8% on the Elite Ultimate plan, which requires a €29.99/month subscription plus 7.5 million WXT locked for 180 days.
Fees: 0% FX markup advertised on ordinary fiat card spending across all tiers, a roughly 0.5-1.5% crypto-to-fiat conversion spread, and free monthly ATM withdrawals up to a tier- and region-specific allowance before a 2% fee applies.
Available in: United Kingdom, Most of the European Economic Area, Switzerland, Australia, New Zealand, Hong Kong, and Taiwan, Argentina and Brazil

Reward tiers

Cryptoback excludes ATM withdrawals, peer-to-peer transfers, and tax payments, and is not paid on merchant category codes Wirex classifies as ineligible. In the EEA and Australia the legacy Cryptoback program on the Classic app ended June 30, 2026.

Tier	Rewards	Requirements
Standard Entry	0.5% Cryptoback	Free plan, no WXT lockup; capped at 100 WXT per transaction, 10,000 WXT per month
Standard Enhanced	1% Cryptoback	Free plan plus 150,000 WXT locked for 180 days; capped at 250 WXT per transaction, 20,000 WXT per month
Premium Entry	1% Cryptoback	€9.99/month subscription; capped at 250 WXT per transaction, 50,000 WXT per month
Premium Enhanced	2% Cryptoback	€9.99/month subscription plus 150,000 WXT locked for 180 days; capped at 500 WXT per transaction, 75,000 WXT per month
Premium Ultimate	3% Cryptoback	€9.99/month subscription plus 750,000 WXT locked for 180 days; capped at 1,500 WXT per transaction, 100,000 WXT per month
Elite Entry	4% Cryptoback	€29.99/month subscription; capped at 500 WXT per transaction, 125,000 WXT per month
Elite Enhanced	6% Cryptoback	€29.99/month subscription plus 1,500,000 WXT locked for 180 days; capped at 3,000 WXT per transaction, 200,000 WXT per month
Elite Ultimate	8% Cryptoback	€29.99/month subscription plus 7,500,000 WXT locked for 180 days; capped at 9,000 WXT per transaction, 250,000 WXT per month

Where you can get the Wirex Card

Wirex runs two different cards. This is the custodial Wirex Card, and the country list is the Card column of Wirex's own supported-countries table. Wirex Pay, the non-custodial card documented separately, is issued in a much longer list of countries; being on that list does not get you this card.

Pros and cons

What works

No issuance fee for virtual or physical cards on any tier
0% advertised FX markup on fiat card spending across all subscription tiers
Free Standard tier still earns 0.5% Cryptoback with no subscription required
Wide country coverage across Europe, Asia-Pacific, and Latin America

What to watch

The advertised 8% cashback requires both a €29.99/month subscription and locking 7.5 million WXT for 180 days
Rewards are paid in WXT, Wirex's own token, so their fiat value floats after crediting
Crypto-to-fiat conversion carries a separate spread of roughly 0.5-1.5% not included in the 0% FX headline
An inactivity fee of roughly €5/month applies to dormant fiat balances after extended non-use

Wirex Card compared

Fact by fact against each card we review, with a verdict where our rating decides it.

Frequently asked questions

How do I get the maximum 8% Cryptoback on Wirex Card?

You need the Elite Ultimate tier, which requires an active €29.99 per month Elite subscription plus 7,500,000 WXT locked for 180 days; per-transaction and monthly reward caps still apply even at this tier.

Does Wirex Card charge foreign exchange fees?

Wirex advertises 0% FX markup on ordinary fiat card spending at every subscription tier, but spending from a crypto balance carries a separate conversion spread of roughly 0.5 to 1.5 percent.

What happens to Wirex Cryptoback rewards in Europe and Australia?

The legacy Cryptoback program on the Wirex Classic app ended on June 30, 2026 for EEA and Australian users, and any accrued rewards are paid out only after upgrading to the newer Wirex One app.

Is there a free Wirex Card tier?

Yes, the Standard plan is free and its Entry level still earns 0.5% Cryptoback with no subscription or WXT lockup required.

Sources

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