Review

Crypto card

Wirex review: card fees, ATM limits and X-tras plans

Wirex review: crypto and fiat card. No Wirex ATM fee on the first EUR 200 a month in the EEA, then 2%; plans from free to EUR 29.99 (as of 26 Sep 2026).

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Best for

  • UK and EEA residents who want a free plan with a GBP/EUR 200 monthly ATM allowance (as of 26 Sep 2026)
  • People who keep fiat and crypto in one app and spend from both with one card
  • WXT holders who will pay for X-tras to earn higher Cryptoback

Choose something else if

  • You need identical terms in every country — card availability, limits and allowances depend on your residence
  • You want simple rewards — anything above 0.5% Cryptoback needs a paid plan and WXT locks (as of 26 Sep 2026)
  • You withdraw more than EUR 500 in cash a day — that is the EEA daily ATM limit on plastic and metal cards (as of 26 Sep 2026)

Key numbers

Plans
Standard free; Premium EUR 9.99 a month or EUR 102 a year; Elite EUR 29.99 a month or EUR 306 a year
as of 26 Sep 2026
ATM withdrawals
First GBP 200 (UK) or EUR 200 (EEA) a month without a Wirex fee, then 2%
as of 26 Sep 2026
Card and delivery
No issue fee; delivery GBP 5 (UK), EUR 5 standard or EUR 15 express (EEA)
as of 26 Sep 2026
Limits (EEA)
EUR 30,000 per purchase; EUR 500 a day at ATMs on plastic and metal cards
as of 26 Sep 2026
Cryptoback
0.5% on Standard; advertised up to 8% on paid plans with WXT locks
as of 26 Sep 2026
Coverage
130+ countries stated; card availability is listed per country
as of 26 Sep 2026

Verdict

Wirex is a long-running app that combines fiat, stablecoin and crypto balances with a Visa or Mastercard card, depending on the region. It states coverage of 130+ countries, but card availability is listed country by country: in Ukraine, the account is available and the card is not. It suits UK and EEA residents who want one app for everyday currencies and crypto, with a free Standard plan.

On Standard in the UK and EEA (as of 26 Sep 2026), the card has no issue fee; delivery costs GBP 5 in the UK and EUR 5 standard or EUR 15 express in the EEA. The first GBP 200 (UK) or EUR 200 (EEA) of ATM withdrawals each month carry no Wirex fee, then 2% applies, and the ATM operator may add its own. EEA plastic and metal cards allow EUR 500 a day at ATMs and EUR 30,000 per purchase. Currency exchange is priced per currency pair and shown in the app quote before you confirm.

Rewards are where Wirex gets complicated. As of 26 Sep 2026, Cryptoback starts at 0.5% on Standard and is advertised up to 8% on paid X-tras plans — Premium at EUR 9.99 a month (EUR 102 a year) or Elite at EUR 29.99 a month (EUR 306 a year) — with qualifying WXT locks. X-tras is paid in WXT; if the WXT balance runs short and another balance pays, Wirex adds a 25% handling fee.

Card and payments

Type
Virtual + physical
Custody
Not stated
KYC
Required
Apple Pay
Region-dependent
Google Pay
Region-dependent

What it costs you

Prices for Wirex depend on where your account is registered. Enter your trip to see the total in fees.

Enter foreign-currency amounts at their value in EUR.

Assumes a euro card used in another currency outside Europe, so payments and cash are converted.

For this trip Wirex Standard costs 7.00 EUR plus a conversion fee that depends on the currency (the app shows it before you pay).

  1. 1
    Wirex StandardEEA (euro account) · Review

    Trip total: 7.00 EUR

    Per month: 7.00 EUR

    Exchange
    0.00 EUR
    ATM
    2.00 EUR
    Plan
    0.00 EUR
    Card
    5.00 EUR

    + conversion fee shown in the app

    Fees as of 26 Sep 2026 · source

Open the full travel card cost calculator

Key fees by region

  • EEA (euro account) · Wirex Standard

    First EUR 200 of cash a month free, then 2%; standard card delivery EUR 5. The exchange rate depends on the currency pair and is quoted in the app.

    Fees as of 26 Sep 2026 · source

  • United Kingdom · Wirex Standard

    First GBP 200 of cash a month free, then 2%; card delivery GBP 5. The exchange rate depends on the currency pair and is quoted in the app.

    Fees as of 26 Sep 2026 · source

How it works

  • Virtual and physical cards
  • Spend crypto, stablecoins and fiat
  • Visa or Mastercard, depending on the card and region

Pros

  • No Wirex ATM fee on the first GBP 200 a month in the UK or EUR 200 in the EEA (as of 26 Sep 2026)
  • Holds fiat and crypto balances in one app with one card

Cons

  • Fees and exchange costs can be app-specific
  • Rewards depend on price plan and WXT-related terms

Alternatives

Tria

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Self-custodial Visa crypto card with tiered issue and annual fees.

  • Self-custody-focused crypto spenders
  • Crypto holders who want cashback on everyday card spending
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Nexo Card

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Dual-mode crypto card for eligible users in Europe and Argentina.

  • Existing Nexo users in eligible European countries or Argentina
  • Crypto holders who want to spend their crypto or borrow against it
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Gnosis Pay

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Legacy Gnosis Pay card ends on 20 December 2026; withdrawals stay available after closure.

  • Existing holders planning the end of their legacy card
  • Download transaction history before closure and keep refund confirmations; individual dispute time limits still apply.
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FAQ

Is Wirex free?

The Standard plan is free and the card has no issue fee; delivery costs GBP 5 in the UK or EUR 5 (EUR 15 express) in the EEA. Paid X-tras plans cost EUR 9.99 or EUR 29.99 a month (as of 26 Sep 2026).

What are Wirex ATM fees and limits?

The first GBP 200 in the UK or EUR 200 in the EEA each month has no Wirex fee, then 2% applies; other regions have their own allowances. In the EEA, plastic and metal cards can withdraw up to EUR 500 a day (as of 26 Sep 2026).

Is the Wirex card available in my country?

Wirex states coverage of 130+ countries, but the account, crypto account, card top-up and card each have their own country list. In Ukraine, the account is available and the card is not; card availability follows your country of residence.

How does Wirex Cryptoback work?

Cryptoback is Wirex’s card reward: 0.5% on the free Standard plan, advertised up to 8% on paid X-tras plans with qualifying WXT locks and conditions (as of 26 Sep 2026). X-tras itself is paid in WXT.

Sources

  1. Wirex fees and delivery — help.wirexapp.com
  2. Wirex limits — help.wirexapp.com
  3. Wirex countries and individual service availability — help.wirexapp.com
  4. Wirex card overview — help.wirexapp.com
  5. Wirex X-tras prices and tiers — help.wirexapp.com
  6. Wirex X-tras subscription payment and handling fee — help.wirexapp.com
  7. Wirex Australia product disclosure: wallet support — help.wirexapp.com

Crypto card balances are not bank deposits, and fees and availability change, so check current terms before you load funds. How we compare