Wirex Card in one line: multi-currency spending: crypto and fiat side by side. Below is the full fee sheet, our verdict, pros and cons, and the sources we checked on 2026-09-03. Fees change without notice — treat this page as a verified snapshot, not a promise.
Verdict
The best card here for true multi-currency use: hold and spend both fiat and crypto from one account with 0% FX on supported currencies. Rewards require WXT holding to be meaningful, and free-tier ATM limits are low.
Fee sheet
- Network
- Visa and Mastercard (region-dependent)
- Card type
- Multi-currency prepaid
- Custody model
- Custodial (Wirex account)
- Supported coins
- BTC, ETH, USDT, USDC, DAI, 30+ coins and 10+ fiat currencies
- Monthly fee
- $0 (free tier)
- Issuance
- $0 virtual; physical card fee varies by region
- FX fee
- 0% on card spending in supported currencies
- ATM fee
- Free up to 200 EUR/month equivalent, then 2%
- ATM limit
- About 500 EUR/day (region-dependent)
- Rewards
- Up to 8% WXT Cryptoback on premium tiers; 1-2% on the free tier
- Mobile wallets
- Apple Pay and Google Pay
- Availability
- UK, EEA, APAC (SG, AU, JP and others); US accounts exist but card ordering is not open - not available in Canada
What the data actually says
Wirex is the closest thing on this list to a genuine multi-currency account that happens to include crypto. Because fiat and crypto balances sit side by side, you can spend euros without conversion, convert to local currency only when needed, and keep stablecoins for online payments - all from one card.
The Cryptoback rewards program is generous on paper (up to 8%) but the top rates are locked behind WXT staking and premium subscription tiers. On the free tier, expect 1-2% paid in WXT, which adds an exchange-token exposure most users overlook.
Wirex is the right pick for travelers and multi-currency freelancers who move between fiat and crypto often. Pure crypto holders who live on an exchange will find Crypto.com or Bybit simpler.
Pros
- Genuine multi-currency: 10+ fiat currencies alongside 30+ coins
- 0% FX on supported-currency spending
- Instant virtual card on the free tier
- Available in more regions than most (UK, EEA, APAC)
Cons
- Best Cryptoback rates require WXT staking on premium plans
- Free-tier ATM allowance is only about 200 EUR/month
- Custodial account, and the fiat-plus-crypto mix adds app complexity
Frequently asked questions
Is the Wirex Card free to use?
The Wirex Card charges $0 (free tier) per month and $0 virtual; physical card fee varies by region to issue. Card spending carries 0% on card spending in supported currencies in FX fees, and ATM withdrawals cost: Free up to 200 EUR/month equivalent, then 2%. Conversion spreads can still apply, so compare the rate you receive against the live market price.
Where is the Wirex Card available?
The Wirex Card is available in: UK, EEA, APAC (SG, AU, JP and others); US accounts exist but card ordering is not open - not available in Canada. Full KYC is required to open an account, and availability can change as programs expand or pause markets.
Who is the Wirex Card best for?
Multi-currency spending: crypto and fiat side by side. The best card here for true multi-currency use: hold and spend both fiat and crypto from one account with 0% FX on supported currencies. Rewards require WXT holding to be meaningful, and free-tier ATM limits are low.