Wirex Card Review

Wirex Card Review

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Verdict: One of the best travel cards available. Wirex is a card from a trusted company, which supports a wide number of fiat and cryptocurrencies that can be spent anywhere with instant settlement, OTC exchange rates and very reasonable fees. Instant crypto cashback paid in BTC depending on your staking level starting from 0.5% for no staking and going up to 1.5% if you stake 500,000 WXT (about $6,000 at today's rates).
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8/10 (Expert Score)
Product is rated as #13 in category Crypto Cards
Established in 2014, Wirex has maintained a strong customer track record and a growing userbase of 300m users across Europe and Asia. Wirex allows you to effortlessly buy, store, exchange up to 9 cryptocurrencies and 18 fiat currencies at OTC rates in your wallet. When purchasing with a Wirex card, your funds will be instantly converted at the point of sale to any local currency with over the counter (OTC) rates, no exchange fees and instant crypto cashback of up to 1.5% in BTC depending on your staking level.
Features
7
Usability
7.5
Payment options
8
Fees and charges
8.5
Perks & rewards
7
Company & Reputation
7
Support
5
PROS:
  • Instant settlement.
  • Low fees.
  • Available in Asian-Pacific.
  • Available in UK.
  • Available in EEU.
  • Zero staking earns 0.50% in Bitcoin.
  • Cashback up to 1.50% in Bitcoin.
  • Low stakes to start earning cashback in Bitcoin.
CONS:
  • Support is very slow.
  • Lack of transparency, i.e commission fees not clearly explained anywhere on website.
  • No virtual cards.
  • Not currently available in the US (but coming soon).

Specification: Wirex Card Review

Company & Availability
Insurance Coverage /
Eligible regions , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,
KYC
Credit Check No
Savings Information
Supported Fiat Currencies , , , , , , , , , , , , , , ,
Gas fees Yes
Availability
ATM Access Worldwide
Pay In Local Currencies Yes
Support
24 hour support Email support
Live Support No
Staking
Staking required Option not to stake
Staking amount 100,000 WXT, 50,000 WXT, 500,000 WXT
Minimum stake Term Indefinitely
Token Ticker WXT
Rewards
Cashback on spending Hold 100,000 WXT: 1.00% in Bitcoin, Hold 50,000 WXT: 0.75% in Bitcoin, Hold 500,000 WXT: 1.50% in Bitcoin, Zero staking: 0.50% in Bitcoin
Cashback Restrictions In store only
Max Cashback No limit
On Chain Rewards None
Referral Rewards Asian-Pacific: $5, EEA: €10
Spending Limits
Daily ATM Limit £/€/$ 250, SGD: 400
Daily Purchase Limit £7.500/ €8,000/ $10,000, SGD: 5000 per transaction
Monthly ATM Limit Unlimited
Monthly Purchase Limit Unlimited
Fees
Monthly fee $1.50, £1.00, €1.20, Asian-Pacific: Free
Delivery Fee No fee
Online/Offline Purchase Fees No fee + OTC & commission
Topping up fee External debit/credit crypto top up is 1%
ATM Fees Asian-Pacific: Free, August 17, 2% after 400 SGD, EEA, 1.75, £2.25, €2.50, $2.50
International ATM fee Asian Pacific: Free, August 17: 2% after 400 SGD, EEA 2.25. £ 2.75, €3.50, $3.50 + 3% foreign transaction fee
POS Foreign Transaction fee No fee + OTC & commission
Card Replacement Fee Asian Pacific: Free, EEA: First free, €10 thereafter
ACH Declined No fee
Charge back processing €0.06
Exchange Rate Provider Crypto: OTC, Fiat: Interbank rates
Card Features
Instant settlement Yes
Prepaid N/A
App Payments Apple Pay, Google Pay
Dual-Interface NFC/EMV (Card with chip) Yes
Virtual Cards No
Physical Cards Yes
Security
Fraud Monitoring Yes
Freeze / Unfreeze Yes
Instant Notifications Yes
Pin Viewing Yes
2FA Yes
Asset protection & Insurance
Audited /
Cold Storage Yes
Company Backing /
FDIC insurance No
Insured by /

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