One of the few cards that pays cashback on the free plan without a subscription, which makes it a sensible everyday pick in the UK and EEA. Treat the top plans as an investment decision: they require holding WPAY.
Score breakdown
How we read the terms: Free card and no monthly fee. FX is not scored: the product page advertises zero FX fees while the EEA card terms say an FX fee may apply.
Not rated yet: verified criteria cover 55% of the weight, and we need 70% to give an overall score. How scores are calculated.
Pros
- 0.5% cashback on the free Base plan, with no subscription on any plan
- No issuance or monthly fee
- Cashback paid in USD, not a volatile token
- Free ATM withdrawals up to €200 a month in the EEA
Cons
- Not available in the US
- Higher plans need a large balance and a share of it held in WPAY
- Conflicting information on FX fees between the product page and the EEA terms
- Physical card delivery costs €5–15
Overview
In the EEA the card is a prepaid Mastercard issued by Transact Payments Malta; in the UK and other regions Wirex Limited is the issuer.
Cashback depends on your plan: Base pays 0.5%, and Premium, Elite, Private and Bespoke raise it to 1%, 3%, 5% and 8%. Each plan needs a minimum balance and a minimum share of your portfolio in WPAY, Wirex’s token.
Some older Wirex help articles still describe cashback paid in WXT; the current Wirex litepaper says cashback is paid in USD.
We haven’t run a hands-on test of this card; this review is based on the issuer’s published documents linked on this page.
Planssource
| Plan | Monthly fee | Cashback | Notes |
|---|---|---|---|
| Base | 0 | 0.5% | No minimum balance; WPAY 0% |
| Premium | 0 | 1% | Min balance ≥ $500; WPAY ≥ 1% |
| Elite | 0 | 3% | Min balance ≥ $2,500; WPAY ≥ 3% |
| Private | 0 | 5% | Min balance ≥ $25,000; WPAY ≥ 5% |
| Bespoke | 0 | 8% | Min balance ≥ $50,000; WPAY ≥ 10% |
Region: global.
Fees and limits
- Card issuance (EEA)
- Free (physical delivery 5 EUR untracked / 15 EUR DHL Express)source
- Monthly fee (global)
- 0source
- FX fee (global)
- Not verified
- Top-up (EEA)
- SEPA free; local card top-up 0% or more depending on currency/countrysource
- Free ATM per month (EEA)
- 200 EUR/month free, 2% thereaftersource
Fees are quoted from the issuer’s documents for the region shown. Each “source” link opens the issuer’s page; the wording is quoted in the availability table and in the link’s tooltip.
Is it worth it? Quick math
Entry tier, €1,000 a month of everyday spending in the card’s currency, first year, compared with a plain 2% cash-back card. Only the verified figures above are used.
- Cashback earned
- €60
- Card fees (issuance + 12 × monthly)
- €0
- Net value, year one
- €60
- Plain 2% cash-back card
- €240
At this spend, a plain 2% cash-back card earns €180 more. Higher tiers pay more, but may need staking, a balance or a paid plan — see the tiers above.
Cashback paid in a volatile token can be worth more or less when you sell it. FX and top-up fees are not included here.
Availability
| Region | Status | What the issuer says |
|---|---|---|
| US | Not available | “United States: Wirex account and crypto account ✔; local card top-up and Card N/A.”source |
| UK | Available | “United Kingdom: all services including Card ✔.”source |
| EEA | With restrictions | “Must be at least 18 and resident in the EEA (but not in Cyprus or Liechtenstein).”source The EEA card terms exclude Cyprus and Liechtenstein. |
By country
Other regions listed by the issuer: EEA (excluding Cyprus and Liechtenstein per EEA card terms), UK, Switzerland, Brazil, Singapore/APAC, Australia, Excluded: US (card N/A)source. Not legal advice; an issuer can refuse any applicant.
How to get the card
- 1Create an accountDownload the Wirex app and sign up.
- 2Pass verificationUpload an ID document and a selfie (KYC).
- 3Get the cardStart with the free virtual card; order a physical card if you want one (delivery fee applies).
- 4Fund and spendTop up by SEPA transfer or crypto and add the card to Apple Pay or Google Pay.
Wirex Card: common questions
Does Wirex charge a monthly fee?
No. Wirex lists no monthly fee, and none of its cashback plans has a subscription; higher plans depend on your balance and WPAY holding instead.
What currency is Wirex cashback paid in?
According to the current Wirex litepaper, cashback is paid in USD. Some older help articles still mention WXT.
Alternatives and comparisons
Information only, not financial advice. Crypto assets are volatile. Terms change often — confirm on the issuer’s site before applying.