Wirex

Wirex One Card

Wirex · Visa · debit · Custodial · metal

79 countriesVerified 5 Sep 2026

At $1,000/month spend with no stake, Wirex One Card nets +$60 a year; with $500 in WPAY locked, +$95 a year. According to Cardefi data, 9 of 12 key figures are verified from the issuer's pages, latest 5 Sep 2026.

Open at Wirexdirect — pays us nothing

Cashback at your stake: 0.5%
Min. stake for rewards: None
Annual fee: $0
FX fee: 0.0%
Net value / yr: +$60
Break-even: $0

Recalculate for a stake ofSpendchanges every number on this page

Cashback and net value by stake

Stake	Tier	Cashback	Net value / yr
$0 you Base	Base	0.5%	+$60
$500 Premium	Premium	1.0%	+$95
$50,000 Bespoke	Bespoke	8.0%	−$1,540

How this card scores

Same arithmetic as every card in the catalogue, with this card's numbers in:

Cashback at your stake	0.5% × $12,000	+$60
Yearly fees	annual $0 + 12 × $0	−$0
FX on 25.0% of spend	0.0% × $3,000	−$0
Locked stake, 5.0% opportunity cost	$0 × 5.0%	−$0
Net value per year		+$60

Fees in full

Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card.

Annual fee	$0 / year 1 source “No monthly fee, no annual charge, no small print. Just the card.”[2] · landing · captured 5 Sep 2026
Monthly fee	$0 / month 2 sources “No monthly fee, no annual charge, no small print. Just the card.”[2] · landing · captured 5 Sep 2026 “There is no subscription fee and no requirement to lock funds to participate.”[3] · help_center · captured 5 Sep 2026
Card issuance	— not disclosedThe fee table contains only FX; issuance and delivery fees are not stated (Metal free delivery only for Bespoke)
Foreign transaction (FX)	0.0% 1 source “Foreign transaction fee \| Free”[4] · help_center · captured 5 Sep 2026
Crypto conversion / spread	— not disclosedCrypto/stablecoin conversion rate at payment not disclosed
ATM withdrawal	— not disclosedNo ATM row in the fee table; only the 750 EUR/day limit is stated

Reward tiers, as the issuer states them

Tier	Requirement · rate · cap
Base	0.5% · None · Cap: not disclosed · Paid in USD 2 sources “Cashback rate \| 0.50% \| 1.00% \| 3.00% \| 5.00% \| 8.00%”[5] · help_center · captured 5 Sep 2026 “Members with a portfolio below $500 remain on the Base tier.”[3] · help_center · captured 5 Sep 2026
Premium	1.0% · ≥ $500 balance (≈ $500 at 31 Oct 2026) · Cap: not disclosed · Paid in USD 2 sources “Cashback rate \| 0.50% \| 1.00% \| 3.00% \| 5.00% \| 8.00%”[5] · help_center · captured 5 Sep 2026 “Premium \| ≥ $500 \| ≥ 1%”[3] · help_center · captured 5 Sep 2026
Elite	3.0% · ≥ $2,500 balance (≈ $2,500 at 31 Oct 2026) · Cap: not disclosed · Paid in USD 2 sources “Elite \| ≥ $2,500 \| ≥ 3%”[3] · help_center · captured 5 Sep 2026 “Cashback rate \| 0.50% \| 1.00% \| 3.00% \| 5.00% \| 8.00%”[5] · help_center · captured 5 Sep 2026
Private	5.0% · ≥ $25,000 balance (≈ $25,000 at 31 Oct 2026) · Cap: not disclosed · Paid in USD 2 sources “Private \| ≥ $25,000 \| ≥ 5%”[3] · help_center · captured 5 Sep 2026 “\| Private \| 5% \| Bespoke \| 8%”[6] · help_center · captured 5 Sep 2026
Bespoke	8.0% · ≥ $50,000 balance (≈ $50,000 at 31 Oct 2026) · Cap: not disclosed · Paid in USD 2 sources “Bespoke \| ≥ $50,000 \| ≥ 10%”[3] · help_center · captured 5 Sep 2026 “Cashback rate \| 0.50% \| 1.00% \| 3.00% \| 5.00% \| 8.00%”[5] · help_center · captured 5 Sep 2026

No rewards on: ATM withdrawals, Crypto purchases, MoneySend, Insurance premiums, Business services.

Subscription rebates

50.0% back on a fixed list of merchants, instead of the ordinary rate. Paid on top of the monthly reward cap, not out of it.

Capped at each service's standard plan price. From Premium up.

Merchant	Available from · standard plan
Uber One	Premium · $10 / month
ChatGPT Plus	Elite · $20 / month
Claude Pro	Private · $20 / month
Perplexity Pro	Private · $20 / month
Whoop	Bespoke · $30 / month
Bloomberg Digital	Bespoke · $35 / month
Financial Times	Bespoke · $40 / month

Access to each merchant is gated by tier, not just the rebate itself: Claude Pro needs Private. Paid in USD at the end of the month. The cap follows the standard individual plan price, so a family plan or a higher tier of the service still rebates only half of the standard price.

2 sources

“Smart Perks provide 50% back on eligible third-party subscriptions, paid in USD at the end of each month. Access expands as your tier grows. Base-tier members do not receive subscription rebates.”[7] · help_center · captured 6 Sep 2026

“The rebate is capped at the standard individual plan price for each service — if you are on a family plan or a higher-priced tier of the service, the cap still applies.”[7] · help_center · captured 6 Sep 2026

Limits

Spend per month	€30,000 / monthVirtual and Physical; Metal 75,000 EUR with the option to raise 1 source “\| Virtual card \| 30,000 EUR \| 30,000 EUR”[4] · help_center · captured 5 Sep 2026
ATM per day	€750 / day 1 source “\| Physical card \| 750 EUR \| 5,000 EUR”[4] · help_center · captured 5 Sep 2026
ATM per month	€5,000 / month 1 source “\| Physical card \| 750 EUR \| 5,000 EUR”[4] · help_center · captured 5 Sep 2026

What we could not find

These figures matter for the score, and the issuer's public pages do not state them. Where we looked is listed under Sources.

Card issuance. The fee table contains only FX; issuance and delivery fees are not stated (Metal free delivery only for Bespoke)
Crypto conversion / spread. Crypto/stablecoin conversion rate at payment not disclosed
ATM withdrawal. No ATM row in the fee table; only the 750 EUR/day limit is stated

Sources

7 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.

wirexone.freshdesk.com/support/solutions/articles/76000088412-wirex-one-card-supported-countries · help_center · 5 Sep 2026
www.wirexapp.com/stablecoin-and-crypto-card · landing · 5 Sep 2026
wirexone.freshdesk.com/support/solutions/articles/76000088362-wirex-one-membership-how-it-works · help_center · 5 Sep 2026
wirexone.freshdesk.com/support/solutions/articles/76000088413-card-limits-and-fees · help_center · 5 Sep 2026
wirexone.freshdesk.com/support/solutions/articles/76000088366-how-cashback-works · help_center · 5 Sep 2026
wirexone.freshdesk.com/support/solutions/articles/76000088414-wirex-one-metal-card · help_center · 5 Sep 2026
wirexone.freshdesk.com/support/solutions/articles/76000088364-membership-levels-benefits · help_center · 6 Sep 2026

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Access & funding

Regions: 79 countries
KYC: full
Top-up: SEPA, Faster Payments, Crypto
Fiat: USD, EUR, GBP
Assets: Stablecoins, Crypto, USD, EUR, GBP
Form: virtual + physical
Wallets: —

Risks to know

Stake value can drop. Tiers are set in WPAY; the USD figures here are as of 31 Oct 2026.
Custodial. The issuer holds your funds; check its licence below.

Who is behind the card

Brand / programme: Wirex Limited
Infrastructure: — not disclosed
Issuer of record: — not disclosed
Licence: —
Network: Visa
Custody: Custodial

1 source

“Trusted by 7 million users and backed by Visa & Mastercard principal memberships”[2] · landing · captured 5 Sep 2026

Status

Now: Live

“Virtual, Physical (Visa or Mastercard) and Visa Signature Metal — whichever you need, whenever you're ready, unlocked as your membership grows.”wirexapp.com · captured 5 Sep 2026

Where you can get it

Global: 79 countries: AD, AT, BE, BG, HR, CY, CZ, DK, EE, FI, FR, DE, GI, GR, GG, HU, IS, IE, IM, IT, JE, LV, LI, LT, LU, MT, MD, MC, ME, NL, NO, PL, PT, RO, RS, SK, SI, ES, SE, CH, UA, GB, AU, HK, ID, JP, MO, MY, NZ, PH, KR, TW, TH, VN, AZ, BH, GE, IL, KZ, OM, SA, TR, AE, UZ, GH, KE, NG, ZA, UG, AR, BR, CL, CO, EC, SV, MX, PA, PE, US

2 sources

“Below is the current list of countries where Wirex One Card is available.”wirexone.freshdesk.com · help_center · captured 5 Sep 2026

“| Andorra | AD | Austria | AT | Belgium | BE | Bulgaria | BG”wirexone.freshdesk.com · help_center · captured 5 Sep 2026

Availability and terms by country ↓

Trust

Verified: 5 Sep 2026
Coverage: 9 of 12 key figures verified, 3 not disclosed
Confidence: B official sources only
Disclosure: help center
Source: wirexapp.com
Link: direct — pays us nothing

Report a wrong figure · Formula v1.2

Availability and terms by country

One row per country with a Cardefi hub, read from the issuer's own country lists. 79 countries are listed as available in total.

Country	Status	Issuer / licence
United States	Availablechecked 5 Sep 2026
United Kingdom	Availablechecked 5 Sep 2026
Germany	Availablechecked 5 Sep 2026
Spain	Availablechecked 5 Sep 2026
Brazil	Availablechecked 5 Sep 2026
Australia	Availablechecked 5 Sep 2026
Ireland	Availablechecked 5 Sep 2026
Netherlands	Availablechecked 5 Sep 2026
Portugal	Availablechecked 5 Sep 2026
Poland	Availablechecked 5 Sep 2026
Greece	Availablechecked 5 Sep 2026
Sweden	Availablechecked 5 Sep 2026
Czechia	Availablechecked 5 Sep 2026
Austria	Availablechecked 5 Sep 2026
Switzerland	Availablechecked 5 Sep 2026
Belgium	Availablechecked 5 Sep 2026
Cyprus	Availablechecked 5 Sep 2026
Latvia	Availablechecked 5 Sep 2026
Slovakia	Availablechecked 5 Sep 2026
Croatia	Availablechecked 5 Sep 2026
Bulgaria	Availablechecked 5 Sep 2026
Estonia	Availablechecked 5 Sep 2026
Liechtenstein	Availablechecked 5 Sep 2026
Norway	Availablechecked 5 Sep 2026
Hungary	Availablechecked 5 Sep 2026
Iceland	Availablechecked 5 Sep 2026
United Arab Emirates	Availablechecked 5 Sep 2026
Japan	Availablechecked 5 Sep 2026
Taiwan	Availablechecked 5 Sep 2026
Malaysia	Availablechecked 5 Sep 2026
New Zealand	Availablechecked 5 Sep 2026
Philippines	Availablechecked 5 Sep 2026
South Africa	Availablechecked 5 Sep 2026
Argentina	Availablechecked 5 Sep 2026
Mexico	Availablechecked 5 Sep 2026
Colombia	Availablechecked 5 Sep 2026
Chile	Availablechecked 5 Sep 2026
Panama	Availablechecked 5 Sep 2026
El Salvador	Availablechecked 5 Sep 2026
Kazakhstan	Availablechecked 5 Sep 2026
Ghana	Availablechecked 5 Sep 2026
Andorra	Availablechecked 5 Sep 2026
Monaco	Availablechecked 5 Sep 2026

Questions about this card

Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.

What does Wirex One Card charge on foreign currency?: Wirex One Card adds 0.0% on transactions in a currency other than the account currency.
Does Wirex One Card charge an annual fee?: The annual fee for Wirex One Card is $0.
How much cashback does Wirex One Card pay?: Wirex One Card pays up to 8.0%, which is the highest rate any of its tiers reaches.
Does Wirex One Card require a stake?: The lowest tier of Wirex One Card that requires a stake is Premium, at $500, and it pays 1.0%.
Who holds the funds behind Wirex One Card?: The issuer does. Spending on Wirex One Card draws on a balance held by the provider, not in a wallet you control.
Does Wirex One Card require identity verification?: Yes. Wirex One Card requires full identity verification before the card can be used.