Card to the Future
Illustration in the plan's colour, not the issuer's artwork

Wirex One

VisaSelf-custodyKYC tiereddebit

Wirex One is Wirex's self-custody stablecoin neobank app (public launch Sep 2026, built on Circle's Arc chain with Privy wallets) with a Visa debit card whose tier, from Base to Bespoke, depends on portfolio size and WPAY token share. It replaced the custodial Wirex App, which was switched off for EEA customers on Sep 30, 2026; the older X-Tras plans (Standard, Premium, Elite) now exist only as carried-over transition tiers.

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66Card Score, #3 of 36
$20You keep a year
C60Trust points of 100
95%Key fields with a source

Plans side by side

Base
Premium
Elite
Private
Bespoke
Price
Monthly priceFree20,2No subscription fee; tier is set by portfolio value and WPAY shareFree20,2No subscription fee; tier is set by portfolio value and WPAY shareFree20,2No subscription fee; tier is set by portfolio value and WPAY shareFree20,2No subscription fee; tier is set by portfolio value and WPAY shareFree20,2No subscription fee; tier is set by portfolio value and WPAY share
Yearly priceFree20,2,32No annual or membership feeFree20,2,32No annual or membership feeFree20,2,32No annual or membership feeFree20,2,32No annual or membership feeFree20,2,32No annual or membership fee
Physical card feeNot available1,4Physical card starts at Premium; Base gets a virtual card only—Order fee not published for Wirex One; legacy Wirex App plastic order was free—Order fee not published for Wirex One; legacy Wirex App plastic order was free—Metal card order fee not published for Wirex One; legacy Wirex App metal card cost 45 GBP—Metal card order fee not published for Wirex One; legacy Wirex App metal card cost 45 GBP
Shipping—Not applicable (virtual only)Standard local post (non-trackable) up to 4 weeks, or DHL Express (trackable) 2-5 business days4Delivery fees not published for Wirex One; legacy app charged 5 GBP/EUR standard and 15 GBP/EUR express (s25, s26)Standard local post (non-trackable) up to 4 weeks, or DHL Express (trackable) 2-5 business days4Delivery fees not published for Wirex One; legacy app charged 5 GBP/EUR standard and 15 GBP/EUR express (s25, s26)DHL Express, about 2-3 business days5Metal page says delivery is free for Bespoke; the membership table (s1) also shows free card delivery for Private, so Private may be free tooDHL Express, about 2-3 business days5Free for Bespoke members
Staking needed02,20No WPAY needed on Base1 WPAY2,20Both conditions must hold at once: portfolio value and WPAY share. Not locked, WPAY can be sold anytime; 24-hour grace if you fall below3 WPAY2,20Both conditions must hold at once: portfolio value and WPAY share. Not locked, WPAY can be sold anytime; 24-hour grace if you fall below5 WPAY2,20Both conditions must hold at once: portfolio value and WPAY share. Not locked, WPAY can be sold anytime; 24-hour grace if you fall below10 WPAY2,20Both conditions must hold at once: portfolio value and WPAY share. Not locked, WPAY can be sold anytime; 24-hour grace if you fall below
Other requirementsVerified identity (KYC) needed to order the card; no minimum portfolio14,2Paymentscan lists a $50 minimum deposit to activate the card; Wirex docs do not mention itPortfolio at least $500 and at least 1% of it in WPAY14,2Tier is recalculated daily and after relevant transactionsPortfolio at least $2,500 and at least 3% of it in WPAY14,2Tier is recalculated daily and after relevant transactionsPortfolio at least $25,000 and at least 5% of it in WPAY14,2Tier is recalculated daily and after relevant transactionsPortfolio at least $50,000 and at least 10% of it in WPAY14,2Tier is recalculated daily and after relevant transactions
Rewards
Cashback0.5%1,7Valued in USD1%1,7Valued in USD3%1,7Valued in USD5%1,7Valued in USD8%1,7Valued in USD
Paid inUSD-valued Reward Points7,8Wirex says cashback is paid in USD value, not in volatile tokens; it accrues in a Rewards balanceUSD-valued Reward Points7,8Wirex says cashback is paid in USD value, not in volatile tokens; it accrues in a Rewards balanceUSD-valued Reward Points7,8Wirex says cashback is paid in USD value, not in volatile tokens; it accrues in a Rewards balanceUSD-valued Reward Points7,8Wirex says cashback is paid in USD value, not in volatile tokens; it accrues in a Rewards balanceUSD-valued Reward Points7,8Wirex says cashback is paid in USD value, not in volatile tokens; it accrues in a Rewards balance
Cashback cap a month$258This is the monthly REDEMPTION cap on the Rewards balance, not an earning cap; the excess carries over. Paymentscan lists no cashback earning limit (s32)$1008This is the monthly REDEMPTION cap on the Rewards balance, not an earning cap; the excess carries over. Paymentscan lists no cashback earning limit (s32)$3008This is the monthly REDEMPTION cap on the Rewards balance, not an earning cap; the excess carries over. Paymentscan lists no cashback earning limit (s32)$1,0008This is the monthly REDEMPTION cap on the Rewards balance, not an earning cap; the excess carries over. Paymentscan lists no cashback earning limit (s32)$2,0008This is the monthly REDEMPTION cap on the Rewards balance, not an earning cap; the excess carries over. Paymentscan lists no cashback earning limit (s32)
Earns onEligible card purchases anywhere Visa is accepted7,18Eligible card purchases anywhere Visa is accepted7,18Eligible card purchases anywhere Visa is accepted7,18Eligible card purchases anywhere Visa is accepted7,18Eligible card purchases anywhere Visa is accepted7,18
No cashback onATM withdrawals, Cash advances, Crypto purchases, Gambling, Refunded or cancelled transactions, Money transfers, financial institutions, quasi-cash, insurance, government, tax, judicial MCCs (full list of about 50 MCCs in the help article)7ATM withdrawals, Cash advances, Crypto purchases, Gambling, Refunded or cancelled transactions, Money transfers, financial institutions, quasi-cash, insurance, government, tax, judicial MCCs (full list of about 50 MCCs in the help article)7ATM withdrawals, Cash advances, Crypto purchases, Gambling, Refunded or cancelled transactions, Money transfers, financial institutions, quasi-cash, insurance, government, tax, judicial MCCs (full list of about 50 MCCs in the help article)7ATM withdrawals, Cash advances, Crypto purchases, Gambling, Refunded or cancelled transactions, Money transfers, financial institutions, quasi-cash, insurance, government, tax, judicial MCCs (full list of about 50 MCCs in the help article)7ATM withdrawals, Cash advances, Crypto purchases, Gambling, Refunded or cancelled transactions, Money transfers, financial institutions, quasi-cash, insurance, government, tax, judicial MCCs (full list of about 50 MCCs in the help article)7
VestingCredited once the transaction settles; redeemable up to the monthly redemption cap7,8Rate is fixed by the tier at purchase time and is not adjusted if the tier changes laterCredited once the transaction settles; redeemable up to the monthly redemption cap7,8Rate is fixed by the tier at purchase time and is not adjusted if the tier changes laterCredited once the transaction settles; redeemable up to the monthly redemption cap7,8Rate is fixed by the tier at purchase time and is not adjusted if the tier changes laterCredited once the transaction settles; redeemable up to the monthly redemption cap7,8Rate is fixed by the tier at purchase time and is not adjusted if the tier changes laterCredited once the transaction settles; redeemable up to the monthly redemption cap7,8Rate is fixed by the tier at purchase time and is not adjusted if the tier changes later
PointsReward Points valued in USD (cashback, referral bonuses, promos and Smart Perks rebates in one balance)8Reward Points valued in USD (cashback, referral bonuses, promos and Smart Perks rebates in one balance)8Reward Points valued in USD (cashback, referral bonuses, promos and Smart Perks rebates in one balance)8Reward Points valued in USD (cashback, referral bonuses, promos and Smart Perks rebates in one balance)8Reward Points valued in USD (cashback, referral bonuses, promos and Smart Perks rebates in one balance)8
PerksVirtual Visa card, 0% FX fee (per Wirex), No subscription fee, no lock-up, Passkey login, self-custody wallet1,9,5,19Physical plastic card, 50% rebate on Uber One (max $5/mo), Fee-free trading up to $2,500/mo, Earn boost +0.25% crypto / +0.5% stablecoins, Fee-free USDT deposits up to $10,000/mo1,9,5,19Physical plastic card, 50% rebates on Uber One and ChatGPT Plus (max $15/mo), Fee-free trading up to $10,000/mo, Earn boost +0.5% crypto / +1.0% stablecoins, Fee-free USDT deposits up to $50,000/mo1,9,5,19Metal Visa Signature card, Free card delivery (benefits table), 50% rebates on Uber One, ChatGPT Plus, Claude Pro, Perplexity Pro (max $40/mo), Fee-free trading up to $50,000/mo, Earn boost +1.0% crypto / +2.0% stablecoins, Visa Signature: AirRefund flight-delay claims, SIXT up to 15% off, Named account manager (blog: from Private tier upwards), Fee-free USDT deposits1,9,5,19Metal Visa Signature card, Free DHL Express delivery, 50% rebates on Uber One, ChatGPT Plus, Claude Pro, Perplexity Pro, Whoop, Bloomberg Digital, FT (max $87.50/mo), Unlimited fee-free trading, Earn boost +1.5% crypto / +3.0% stablecoins, Visa Signature: AirRefund, SIXT up to 15% off, Named account manager, Fee-free USDT deposits, Unlimited fee-free ATM withdrawals (Paymentscan)1,9,5,19
Fees
FX fee0%3,1Wirex lists foreign transaction fee as Free; Paymentscan lists 0.35% and reports a test spread of about 1.25% vs the public reference rate (s32); scheme rates and mark-ups can apply per the Terms (s16)0%3,1Wirex lists foreign transaction fee as Free; Paymentscan lists 0.35% and reports a test spread of about 1.25% vs the public reference rate (s32); scheme rates and mark-ups can apply per the Terms (s16)0%3,1Wirex lists foreign transaction fee as Free; Paymentscan lists 0.35% and reports a test spread of about 1.25% vs the public reference rate (s32); scheme rates and mark-ups can apply per the Terms (s16)0%3,1Wirex lists foreign transaction fee as Free; Paymentscan lists 0.35% and reports a test spread of about 1.25% vs the public reference rate (s32); scheme rates and mark-ups can apply per the Terms (s16)0%3,1Wirex lists foreign transaction fee as Free; Paymentscan lists 0.35% and reports a test spread of about 1.25% vs the public reference rate (s32); scheme rates and mark-ups can apply per the Terms (s16)
Top-up fee0.08%10,12Base: 0.08% on USDT stablecoin deposits (verified). Bank transfers and local card top-ups are free; a conversion fee applies if the top-up currency is USD, as it is processed in EUR0%10,12Premium: USDT deposits fee-free up to $10,000/mo, then 0.08% above. Bank transfers and local card top-ups free0%10,12Elite: USDT deposits fee-free up to $50,000/mo, then 0.08% above. Bank transfers and local card top-ups free0%10,12Private: no USDT deposit fee once verified (0.08% before verification)0%10,12Bespoke: no USDT deposit fee once verified (0.08% before verification)
Free ATM a month$1001,3Fee-free allowance in USD per month, confirmed by the Wirex One help centre (s1, s3); the fee charged above it is not stated there$2501,3Fee-free allowance in USD per month, confirmed by the Wirex One help centre (s1, s3); the fee charged above it is not stated there$7501,3Fee-free allowance in USD per month, confirmed by the Wirex One help centre (s1, s3); the fee charged above it is not stated there$2,5001,3Fee-free allowance in USD per month, confirmed by the Wirex One help centre (s1, s3); the fee charged above it is not stated thereUnlimited1,3Fee-free allowance in USD per month, confirmed by the Wirex One help centre (s1, s3); the fee charged above it is not stated there
ATM fee2%32Paymentscan: 2% above the monthly allowance. Wirex help says only that 'the standard ATM withdrawal fee applies' without giving the rate (s1, s3)Not confirmed by the issuer2%32Paymentscan: 2% above the monthly allowance, free on Bespoke. Wirex help says only that 'the standard ATM withdrawal fee applies' without giving the rate (s1, s3); legacy Wirex App charged 2% above 200 GBP/EUR/SGD or 400 AUD per month (s25)Not confirmed by the issuer2%32Paymentscan: 2% above the monthly allowance, free on Bespoke. Wirex help says only that 'the standard ATM withdrawal fee applies' without giving the rate (s1, s3); legacy Wirex App charged 2% above 200 GBP/EUR/SGD or 400 AUD per month (s25)Not confirmed by the issuer2%32Paymentscan: 2% above the monthly allowance, free on Bespoke. Wirex help says only that 'the standard ATM withdrawal fee applies' without giving the rate (s1, s3); legacy Wirex App charged 2% above 200 GBP/EUR/SGD or 400 AUD per month (s25)Not confirmed by the issuer2%32Paymentscan: 2% above the monthly allowance, free on Bespoke. Wirex help says only that 'the standard ATM withdrawal fee applies' without giving the rate (s1, s3); legacy Wirex App charged 2% above 200 GBP/EUR/SGD or 400 AUD per month (s25)Not confirmed by the issuer
Limits
Limit per payment$30,0003Amount in EUR (max purchase)$30,0003Amount in EUR (max purchase)$30,0003Amount in EUR (max purchase)$30,0003Amount in EUR (max purchase)$30,0003Amount in EUR (max purchase)
Spend limit a month$30,0003Amount in EUR. Virtual and physical cards$30,0003Amount in EUR. Virtual and physical cards$30,0003Amount in EUR. Virtual and physical cards$75,0003Amount in EUR. Metal card monthly limit can be raised on request$75,0003Amount in EUR. Metal card monthly limit can be raised on request
ATM limit a dayFree3Amount in EUR. Virtual card is listed as N/A (no ATM access)$7503Amount in EUR. Limits may vary by region and can be raised with extra verification$7503Amount in EUR. Limits may vary by region and can be raised with extra verification$7503Amount in EUR. Limits may vary by region and can be raised with extra verification$7503Amount in EUR. Limits may vary by region and can be raised with extra verification
ATM limit a monthFree3Amount in EUR. Virtual card is listed as N/A$5,0003Amount in EUR$5,0003Amount in EUR$5,0003Amount in EUR$5,0003Amount in EUR

3 transition plans for people moved from the old app are not shown.

Real payments

FX markup paidPaymentscanAbout 1.25% between the rate Wirex One applied and the public reference rate; no separate FX fee shown in the app32
Conversion spread paidCryptonoshiCrypto-to-fiat sell spread of about 1.5% when spending crypto in EUR50

What someone actually paid, which can differ from the advertised fee. Each test is one payment or a few, so treat it as a signal.

What you keep

Rewards you can spend+$60
FX fee on foreign spend−$30
Fees on every purchase−$10
Net a year, Wirex One Base plan$20

$1,000 a month, 20% in a foreign currency, no staking. Change

Trust

Licence and regulator22 of 25

Wirex Limited is an FCA-authorised e-money institution; EEA crypto services under Spain's CNMV and Bank of Spain.16

Custody and fund protection15 of 20

Self-custody wallet with keys sharded by Privy; card and IBAN services run by regulated Wirex entities.15,16

Incidents in the last 24 months6 of 20

Card outages on Jun-26, Jul-13, Sep-30, Oct-10 and Nov-02, 2026, transfer outages in Aug, Oct and Nov, failed balance migrations, and the legacy app shut down in stages from Sep-30.28

Track record and verified volume10 of 15

Wirex has run cards since 2014 with 7M+ users claimed; Wirex One itself launched Sep 2026 with $152M on-chain spend.37,33

Published fees and terms5 of 10

Fees published, but the ATM fee rate is missing (only the allowances are stated) and the stated 0% FX differs from the measured 1.25%.16,32

Support and user sentiment2 of 10

App Store 1.87 from 15 ratings, Google Play 2.57, Trustpilot 2.3 for Wirex overall.29,30,31

Company

Legal entityWirex Limited (England and Wales, no. 09334596, FCA-authorised EMI, FRN 902025) for card services; UAB Wirex (Lithuania) for EEA card distribution and programme management; Crossmint Europe S.L. (Spain) for crypto services in EEA and UK; Novatti Group Limited for cards in Australia and New Zealand16Entity depends on country of residence
HeadquartersUnited Kingdom16Registered office: 9th Floor, 107 Cheapside, London
Founded2,01437Site says trusted by over 7 million users since 2014
Websitewirexapp.com37Wirex One web app: https://one.wirexapp.com
X@wirexapp44

Issuer and licence

Card issuerWirex Limited16Card-based regulated services in UK, EEA and rest of world; in Australia and New Zealand the issuer is Novatti Group Limited. Wirex says it holds both Visa and Mastercard principal membership (s34)
Program managerWirex (UAB Wirex in the EEA)16UAB Wirex handles card distribution and programme management in the EEA
LicencesEMI, UK (FCA, FRN 902025), Wirex Limited, Crypto-asset service provider (CNMV) and payment institution (Bank of Spain), Spain, Crossmint Europe S.L., for crypto services in EEA and UK16
RegulatorFCA (UK), CNMV and Bank of Spain (Crossmint Europe S.L.)16
NetworkVisa4,5Help centre refers to Visa only; Terms say 'such as Visa or Mastercard' and Paymentscan lists Visa and Mastercard (s32, s16)
Card levelVisa Signature (Metal card, Private and Bespoke tiers)5Product level for virtual and plastic cards not published

The card

Statuslive17,6Public launch Sep 2026; card rolls out market by market
Launched2026-0917Public launch; closed beta with 20,000+ users ran from June 2026 (Paymentscan also dates the card to Jun 2026, s32)
Typedebit4Help centre: works like any Visa debit card; funds come from the USD/EUR/GBP account balance
FormsVirtualPhysicalMetal4Virtual for all; plastic from Premium; metal from Private. Lifetime allowance of 5 cards per account, closed cards count
Custodyself-custody15,16Wirex calls it non-custodial; card, IBAN and bank-transfer services are regulated products provided by Wirex entities
How custody worksWallet keys are generated and sharded by Privy (Shamir shares plus AWS Nitro enclave); sign-in by email and passkey, no seed phrase; the private key can be exported to MetaMask or Phantom. Settlement runs on Circle's Arc blockchain with a privacy layer15,42,17
KYCtiered14Receiving and sending crypto onchain needs no KYC; card, bank transfers, Earn and Loans need verification
KYC documentsGovernment photo ID (passport, national ID card or driving licence) plus in-app selfie; residence permits are not accepted14
KYC timeA few minutes to a few hours14
Settles inUSD12,11Separate USD, EUR and GBP accounts; stablecoin deposits credit 1:1 (USDC/USDT to USD, EURC to EUR)
Card currenciesUSDEURGBP12Card currency follows the account; UK page of a third party lists GBP (s35). Card limits are published in EUR (s3)

Funding

Crypto acceptedUSDCUSDTEURCBTCETHWPAY39,37,18About 70 assets supported in total; app shows the full list
ChainsArcEthereumTronSolanaPolygon17,24,28Non-exhaustive: those named in Wirex docs and status page; the app filters networks per token
Fiat top-upSEPAFaster PaymentsACHBank cardStablecoin onchain depositSalary payments12,13
Deposit feesBank transfers, stablecoin deposits and local card top-ups: no Wirex fee, except USDT deposits 0.08% (Base always; Premium above $10,000/mo; Elite above $50,000/mo; free on Private and Bespoke when verified). USD top-up by card incurs a conversion fee because it is processed in EUR10,12Help articles disagree slightly: the funding overview says no fees for stablecoin deposits, the USDT article lists 0.08%
Minimum deposit$5032Paymentscan: $50 minimum deposit to activate the card; not stated in Wirex docs. Card top-up minimum not published for Wirex One (legacy app: $12)
Spends fromBalance in the USD, EUR or GBP account (stablecoin-backed, in the user's self-custodial wallet) with FX at scheme rates16,12

Payments

Apple Pay4Add the card manually in the device wallet. Trustpilot reviewers mention Apple Pay missing after migration (s31)
Google Pay4
Contactless4Visa requirement
Online subscriptionsYes9Subscription rebates exist for ChatGPT, Claude, Perplexity, Uber One, Whoop, Bloomberg and FT paid with the card

Where it works

RegionsEurope (EEA)United KingdomAsia-PacificMiddle EastAfricaLatin America6
Countries736Card availability list; Wirex group marketing claims 130+ countries overall (s37)
United States6US not on the Wirex One card country list; ACH deposits exist but the card is not offered
United Kingdom6
EEA6
Supported countriesAndorraAndorraAustriaAustriaBelgiumBelgiumBulgariaBulgariaCroatiaCroatiaCyprusCyprusCzechiaCzechiaDenmarkDenmarkEstoniaEstoniaFinlandFinlandFranceFranceGermanyGermanyGibraltarGibraltarGreeceGreeceGuernseyGuernseyHungaryHungaryIcelandIcelandIrelandIrelandIsle of ManIsle of ManItalyItalyJerseyJerseyLatviaLatviaLiechtensteinLiechtensteinLithuaniaLithuaniaLuxembourgLuxembourgMaltaMaltaMoldovaMoldovaMonacoMonacoMontenegroMontenegroNetherlandsNetherlandsNorwayNorwayPolandPolandPortugalPortugalRomaniaRomaniaSerbiaSerbiaSlovakiaSlovakiaSloveniaSloveniaSpainSpainSwedenSwedenSwitzerlandSwitzerlandUkraineUkraineUnited KingdomUnited KingdomAustraliaAustraliaHong Kong SAR ChinaHong Kong SAR ChinaJapanJapanMacao SAR ChinaMacao SAR ChinaMalaysiaMalaysiaNew ZealandNew ZealandPhilippinesPhilippinesSouth KoreaSouth KoreaTaiwanTaiwanThailandThailandAzerbaijanAzerbaijanBahrainBahrainGeorgiaGeorgiaKazakhstanKazakhstanOmanOmanUnited Arab EmiratesUnited Arab EmiratesUzbekistanUzbekistanGhanaGhanaKenyaKenyaNigeriaNigeriaSouth AfricaSouth AfricaUgandaUgandaArgentinaArgentinaBrazilBrazilChileChileColombiaColombiaEcuadorEcuadorEl SalvadorEl SalvadorMexicoMexicoPanamaPanamaPeruPeru6Card supported countries as of the Sep 11 help article edit

Account

IBANYes24EUR account with IBAN/BIC
Local accountsEUR IBAN (SEPA), USD account and routing number (ACH), GBP sort code and account number (Faster Payments)12
P2P transfersYes38Send to banks, to any Visa/Mastercard card (Pay-to-Card), or onchain
Crypto to bankYes38,17Stablecoin balances can be sent via SEPA, ACH or Faster Payments; fees shown on the review screen
Yield on balance9.75%18,32,48Maximum APY (stablecoins, top tier, fixed Earn); lower for lower tiers and crypto; rates change without notice. Paymentscan: Base 6.75% up to Bespoke 9.75% on stablecoins
Crypto loansYes40Wirex Credits: borrow against crypto, no credit check, LTV-based liquidation; Paymentscan lists LTV options 20/30/40/60%
Multi-currencyYes12USD, EUR and GBP accounts plus crypto wallet
OtherEarn accounts (flexible and fixed), Crypto trading, fee-free allowance by tier, Tokenised equities and up to 5x perpetuals announced as coming, Smart Perks subscription rebates, Salary deposits18,1,17

Security

Freeze card4Instant freeze in the app
Two-factorPasskey sign-in plus authenticator-app 2FA (TOTP)41,15
Biometrics15Passkeys unlocked by Face ID, fingerprint or device PIN
AuditsPrivy wallet infrastructure described by Wirex as independently audited; no audit report for Wirex One itself found15

App

App Store rating1.8729US storefront, 15 ratings
App Store ratings1529US storefront only
Google Play rating2.5730About 276 ratings on Google Play
Google Play installs50K+30Legacy Wirex App (com.wirex) shows 1M+ installs and 3.8 stars from about 35.6K ratings
App StoreOpen in App Store29
Google PlayOpen in Google Play30
LanguagesEnglish29App Store lists English only
Web app16https://one.wirexapp.com
SupportIn-app help centre and chat/ticket supportHelp centre at wirexone.freshdesk.comEmail supportescalations@wirexapp.com (for unmigrated legacy users)24,28
Support hours24/7 (marketing claim)37Trustpilot reviews report long waits and unanswered tickets (s31)

Reputation

Trustpilot2.331Covers Wirex overall, including the legacy app, not Wirex One only
Trustpilot reviews17,65231448 in the last 12 months; 47% five-star, 38% one-star
Common complaintsFrozen or restricted accounts and slow release of funds, Balances missing or delayed after migration from the old Wirex App, Slow, templated or bot-like support, Refund delays and unauthorised transactions, Missing features after migration (Apple Pay, swaps, price alerts)31
Common praiseLow or near-zero fees for stablecoin to fiat, Fast deposits, Convenient everyday card spending31

Adoption

Users, claimed7M+ users across Wirex since 2014 (all products); Wirex One had 20,000+ closed-beta users before launch37,17Wirex One-only user count not published; Paymentscan counts 20,840 active card addresses in Oct 2026 month-to-date (s32)
On-chain spend, all time$151,600,00033,32Paymentscan onchain-tracked Wirex One spend, Jun-Oct 2026 (to Oct 25)
On-chain spend, last month$47,560,00032Sep 2026 (last full month). October 2026 month-to-date is 42.25M USD (s33). Jul 24.98M, Aug 34.94M

Referrals

User referralsYes8A referral programme sits under Rewards; bonuses are paid as Reward Points; amounts not found
Affiliate programYes37affiliates@wirexapp.com is listed as a contact on the Wirex site; no public programme terms found

Incidents and changes

Nov-04, 2026Outgoing SEPA transfers stopped succeeding and stuck in Processing; new payments flowed again from about 14:00 and older ones waited on a third-party provider.28outage
Nov-02, 2026Card payments were disabled for a time by a technical fault and then restored; outgoing SEPA processing was also degraded the same day.28outage
Oct-29, 2026Legacy Wirex App services were discontinued in most markets (not the UK, El Salvador or Private-type customers); affected users must upgrade to Wirex One to see balances.28shutdown
Oct-10, 2026Card operations were stopped for about 80 minutes after a failure during planned maintenance on a third-party provider's side.28outage
Oct-08, 2026Bank transfers were stuck and processed late until a fix the same day.28outage
Sep-30, 2026The legacy custodial Wirex App was discontinued for EEA customers; logins, transactions and card use on it ended, with balances no longer viewable from Oct 1, and unmigrated users told to claim assets by creating a Wirex One profile with the same email.28shutdown
Sep-30, 2026Card operations were paused during a third-party maintenance problem on the same day as the EEA legacy shutdown.28outage
Aug-27, 2026Outgoing bank transfers from Wirex One failed at an elevated rate after confirmation.28outage
Jul-13, 2026Unexpected card declines for about two hours.28outage
Jun-29, 2026Balance migrations from the Wirex App to Wirex One failed from Jun 28 until a hotfix on Jun 29, with stuck migrations to be reprocessed.28outage
Jun-26, 2026All card transactions were declined for about 55 minutes during an incident.28outage
Feb 2021FinTech Futures reported users hit by unexplained account restrictions and disappearing funds on the older Wirex service.43freeze

Regional differences

UKtiers[1..4].perks (Smart Perks monthly rebate cap): Premium GBP 4, Elite GBP 12, Private GBP 32, Bespoke GBP 70 (global model: USD 5, 15, 40, 87.50)9,1
UKtier qualification: Third-party report: UK tiers depend only on 30-day average GBP fiat and e-money balance, thresholds Premium GBP 1,000, Elite 20,000, Private 40,000, Bespoke 200,000, with crypto and WPAY not counting. Wirex's own help centre says only that UK tiers rest on total portfolio value. Unverified35,23
UKissuer: Wirex Limited (FCA EMI, FRN 902025); crypto services by Crossmint Europe S.L.16
EEAissuer: Cards by Wirex Limited; distribution and programme management by UAB Wirex (Lithuania); crypto services by Crossmint Europe S.L. (Spain)16
EEAlegacy app: Legacy Wirex App discontinued Sep 30, 202628
Australia and New Zealandissuer: Card-based regulated service provided by Novatti Group Limited16
UKlegacy app.atm free monthly: Legacy Wirex App: 200 GBP free per month, then 2%26,25
EEAlegacy app.atm free monthly: Legacy Wirex App: 200 EUR free per month, then 2%25
Singaporelegacy app.atm free monthly: Legacy Wirex App: 200 SGD free per month, then 2%25
Australialegacy app.atm free monthly: Legacy Wirex App: 400 AUD free per month, then 2%25
UKlegacy app.card delivery: Plastic: Royal Mail 5 GBP (not trackable) or DHL Express 15 GBP; Metal: 45 GBP order fee with free DHL Express26
EEAlegacy app.card delivery: DHL World Mail 5 EUR (not trackable), DHL Express 15 EUR25
Hong Konglegacy app.card delivery: Local post 39 HKD, DHL Express 238 HKD25
Australialegacy app.card delivery: AustralianPost 1 AUD25

More details

Which product each tier belongs toBase, Premium, Elite, Private, Bespoke are Wirex One membership tiers (self-custody app, launched Sep 2026). The classic Wirex App X-Tras plans (Standard, Premium, Elite, paid via WXT/fees, custodial) were carried over as Base(w), Premium(w), Elite(w) transition tiers marked with a w; the legacy app is read-only and was switched off for EEA customers on Sep 30, 2026. Standard Entry users moved straight to the new programme.22,23,24,28
Tier thresholdsPremium: portfolio of at least $500 and 1% in WPAY; Elite: $2,500 and 3%; Private: $25,000 and 5%; Bespoke: $50,000 and 10%. Under $500 stays on Base. Both conditions must hold; recalculated daily; 24-hour grace if you fall below. Portfolio counts fiat and crypto in the account plus Earn accounts2,45,46
Monthly cashback redemption capBase $25, Premium $100, Elite $300, Private $1,000, Bespoke $2,000; unredeemed rewards carry over. Paymentscan example: $1,000 of WPAY gives $70 monthly redemption power8,32
Fee-free trading allowance per monthBase none, Premium $2,500, Elite $10,000, Private $50,000, Bespoke unlimited (Paymentscan lists a different exchange allowance: Base $500, Premium $2,500, Elite $10,000, Private $50,000)1,32
Earn rate boosts by tierCrypto: Premium +0.25%, Elite +0.5%, Private +1.0%, Bespoke +1.5%. Stablecoins: +0.5%, +1.0%, +2.0%, +3.0%. Paymentscan max APY stablecoins: Base 6.75%, Premium 7.25%, Elite 7.75%, Private 8.75%, Bespoke 9.75%1,32
Smart Perks subscription rebates50% back in USD on standard-plan price, paid by the 10th of the next month, only when paying with the Wirex One card: Uber One (Premium+), ChatGPT Plus (Elite+), Claude Pro and Perplexity Pro (Private+), Whoop, Bloomberg Digital and FT (Bespoke). Base gets none9,1
Metal card Visa Signature benefitsAirRefund flight disruption claims and up to 15% off SIXT rentals; blog also mentions airport lounge access and a named account manager from Private5,21,19
Card issuance allowanceLifetime allowance of 5 cards per account across all types; closing a card does not free a slot; physical and metal cards need activation; contactless works after one chip transaction4
USDT deposit fee by tierBase 0.08%; Premium free to $10,000/mo; Elite free to $50,000/mo; Private and Bespoke free. Unverified accounts pay 0.08% on all tiers10
WPAY token roleWPAY is Wirex's utility token; no lock-up and no subscription, but tiers can drop if the WPAY share falls (including from price moves). Third-party review flags this as a risk20,2,46
Conflict: ATM feesWirex marketing promises fee-free ATM withdrawals worldwide, but the Wirex One help centre publishes no ATM fee or allowance. Paymentscan lists 2% above a monthly allowance ($100 Base up to unlimited Bespoke). Treat the allowance as unconfirmed18,3,32
Conflict: FX feeWirex lists a 0% foreign transaction fee; Paymentscan lists 0.35% and measured a spread of about 1.25% against the public reference rate on non-USD purchases3,32
Wirex One card spend vs Wirex's $2B annualised figurePaymentscan tracks onchain spend of the Wirex One card only: 151.6M USD all-time (Jun-Oct 2026), 42.25M USD in Oct 2026 to date. The $2B annualised onchain card spend figure (reported by CryptoCards.so for the week of Oct 19-25, 2026, per the requester; not independently re-read) comes from Wirex BaaS, which issues cards for 70+ partner programmes such as BingX, COCA and Kolo, so it is far larger than Wirex One alone. Wirex's own post says Wirex BaaS hit $2B annualised in July 2026; SpendNode reported over 160M USD of July spend33,32,34,36
Card scheme membershipWirex says it is one of few crypto-native firms with both Visa and Mastercard principal membership34
Transparency reportWirex publishes half-yearly transparency reports; an H1 2026 post claims over 650,000 of financial crime stopped49
Migration from Wirex AppWirex One supports about 70 assets; delisted tokens are not carried over; active Multiply deals are closed; crypto deposit addresses change (old addresses may lose funds); app transaction history is not carried over; external linked cards must be re-linked; WXT for legacy tiers goes into a 3-month fixed Earn account24
Transaction privacyRuns on Circle's Arc with a built-in privacy layer so balances and transactions are encrypted on-chain; Wirex still performs required KYC and compliance checks42

Quick answers

What does the Wirex One cost?

The Wirex One Base plan: Free a month, Not available for a physical card.

How much cashback does the Wirex One pay?

0.5% on the Wirex One Base plan, paid in USD-valued Reward Points.

What is the Wirex One FX fee?

0% on the Wirex One Base plan.

Is the Wirex One custodial?

Self-custody. Wallet keys are generated and sharded by Privy (Shamir shares plus AWS Nitro enclave); sign-in by email and passkey, no seed phrase; the private key can be exported to MetaMask or Phantom. Settlement runs on Circle's Arc blockchain with a privacy layer

Is the Wirex One available in the US, the UK and the EEA?

US: no. UK: yes. EEA: yes.

How much do you keep with the Wirex One?

$20 a year on the Wirex One Base plan at $1,000 a month with 20% in a foreign currency, after every fee.

Sources

  1. Wirex One Help: Membership levels benefits, issuer, Nov-05, 2026
  2. Wirex One Help: Membership - how it works, issuer, Oct-25, 2026
  3. Wirex One Help: Card limits and fees, issuer, Nov-05, 2026
  4. Wirex One Help: Your Wirex One card, issuer, Oct-25, 2026
  5. Wirex One Help: Wirex One Metal Card, issuer, Oct-25, 2026
  6. Wirex One Help: Card supported countries, issuer, Oct-25, 2026
  7. Wirex One Help: How cashback works, issuer, Oct-25, 2026
  8. Wirex One Help: Your Rewards balance, issuer, Oct-25, 2026
  9. Wirex One Help: Subscription rebates, issuer, Oct-25, 2026
  10. Wirex One Help: How to waive USDT deposit fees, issuer, Oct-25, 2026
  11. Wirex One Help: Top up via stablecoin deposit, issuer, Oct-25, 2026
  12. Wirex One Help: How to add funds (USD, EUR, GBP), issuer, Oct-25, 2026
  13. Wirex One Help: Top up with a debit or credit card, issuer, Oct-25, 2026
  14. Wirex One Help: KYC verification, issuer, Oct-25, 2026
  15. Wirex One Help: Wallets, keys, passkeys FAQ, issuer, Oct-25, 2026
  16. Wirex One Terms of Service, issuer, Oct-25, 2026
  17. Wirex blog: Wirex One launches publicly on Arc, issuer, Oct-25, 2026
  18. Wirex blog: Meet Wirex One, issuer, Oct-25, 2026
  19. Wirex blog: Wirex One private banking designed for you, issuer, Oct-25, 2026
  20. Wirex blog: Discover Wirex One's new membership model, issuer, Oct-25, 2026
  21. Wirex blog: Already got a Wirex App account, issuer, Oct-25, 2026
  22. Wirex One Help: Wirex App X-Tras plans vs Wirex One membership, issuer, Oct-25, 2026
  23. Wirex One Help: Your X-Tras plan in Wirex One, issuer, Oct-25, 2026
  24. Wirex One Help: Upgrade to Wirex One - what to expect, issuer, Oct-25, 2026
  25. Wirex App (legacy) Help: Wirex Fees, issuer, Oct-25, 2026
  26. Wirex App (legacy) Help: Wirex Fees (UK), issuer, Oct-25, 2026
  27. Wirex App (legacy) Help: Wirex Limits, issuer, Oct-25, 2026
  28. Wirex status page incident history (Statuspage API), issuer, Nov-05, 2026
  29. Wirex One on the App Store (US storefront, via iTunes lookup API), app store, Oct-25, 2026
  30. Wirex One on Google Play, app store, Oct-25, 2026
  31. Wirex on Trustpilot, trustpilot, Oct-25, 2026
  32. Paymentscan: Wirex One card stats, paymentscan, Nov-05, 2026
  33. Paymentscan (onchain card spend tracker), figures supplied by requester, paymentscan, Oct-25, 2026
  34. Wirex blog: Wirex BaaS doubles annualised volume to $2B, issuer, Oct-25, 2026
  35. Penchan: Wirex One Card (UK page), third-party and possibly affiliate-driven, other, Oct-25, 2026
  36. SpendNode: Wirex $2B annualised card spend (Aug 2026), press, Oct-25, 2026
  37. Wirex One personal page, issuer, Oct-25, 2026
  38. Wirex One Help: How to send money (USD, EUR, GBP), issuer, Oct-25, 2026
  39. Wirex One Help: How to receive crypto, issuer, Oct-25, 2026
  40. Wirex One Help: Wirex Loans, issuer, Oct-25, 2026
  41. Wirex One Help: Managing your security settings, issuer, Oct-25, 2026
  42. Wirex One Help: Privacy and confidentiality FAQ, issuer, Oct-25, 2026
  43. FinTech Futures: Wirex users hit by unexplained account restrictions, press, Oct-25, 2026
  44. Wirex App (legacy) Help Center home, issuer, Oct-25, 2026
  45. Wirex One Help: How to unlock the next membership level, issuer, Oct-25, 2026
  46. Wirex One Help: What to do if your tier is at risk, issuer, Oct-25, 2026
  47. wirexapp.com pages sitemap (lists business-cards and business pages), issuer, Oct-25, 2026
  48. Wirex One Help: Earn interest explained, issuer, Oct-25, 2026
  49. wirexapp.com blog sitemap, issuer, Oct-25, 2026
  50. Cryptonoshi review of Wirex One, page updated Oct-19, 2026, review, Nov-05, 2026

Something wrong or out of date? Report it with a source.