Tria
Self-custodial Visa crypto card with tiered issue and annual fees.
Last checked: 2026-08-31
- Self-custody-focused crypto spenders
- Users comparing crypto card reward and travel-perk models
Review
Wirex
Wirex combines fiat and crypto balances with virtual and physical card options in many regions. It is useful for comparing crypto-plus-fiat travel wallets, but fees, limits, rewards and supported features differ by region and plan.
Last checked: 2026-08-11
Not financial advice
Crypto cards are not bank deposits. Check official terms, custody model, issuer availability and compliance requirements before loading funds.
Best for
- Mixed fiat and crypto card wallet comparisons
- Users who want published ATM allowance tables
Avoid if
- Users who need identical terms across countries
- Users who want rewards without plan complexity
Summary verdict
- Crypto and fiat card wallet with regional fee and limit tables.
- ATM allowances, limits, network and plan prices remain region-dependent; use the row for the user residence.
- Keep at least one backup provider for critical trips or payouts.
Availability
Region-dependent
Wirex states 130+ countries; card support varies by country row
Supported-country and feature tables differ for account, crypto account, card top-up and card availability.
Card and payments
- Type
- Virtual + physical
- Custody
- Unknown
- KYC
- Required
- Apple Pay
- Yes
- Google Pay
- Yes
Watchout
- Card limits and availability vary materially by region.
- Exchange and rewards terms can change and may be app-specific.
Fees and limits
| Issue | Free card issuance listed in general fee table |
|---|---|
| Monthly | Standard free; Premium 9.99 EUR/month and Elite 29.99 EUR/month in the checked X-tras table |
| Annual | No annual card fee; paid X-tras yearly prices include 102 EUR Premium and 306 EUR Elite |
| FX | Exchange rate and fees depend on the currency pair and available liquidity; use the complete in-app quote, not a universal zero-markup assumption. |
| ATM | Free monthly ATM allowance (about GBP/EUR 200 on Standard, up to ~1,000 USD on Elite), then 2% |
| Spend | Fiat bank transfers may be free in listed rails; crypto external withdrawals have network-variable fees |
| Limits | Card limits vary by region; EEA table includes EUR 30,000 max purchase and EUR 500 daily ATM withdrawal for plastic/metal |
How it works
- Virtual and physical cards
- Spend crypto, stablecoins and fiat
- Visa or Mastercard acceptance stated in help center
Pros
- Broad regional tables for countries, fees and limits
- Works as a mixed fiat and crypto wallet comparison point
Cons
- Fees and exchange costs can be app-specific
- Rewards depend on price plan and WXT-related terms
Risks / compliance notes
- Card limits and availability vary materially by region.
- Exchange and rewards terms can change and may be app-specific.
Official sources
Verified from official pages: Wirex fees
Data confidence
- Source checked
- 2026-08-11
- Data confidence
- High
- Review status
- Fresh
- ATM allowances, limits, network and plan prices remain region-dependent; use the row for the user residence.
- 2026-09-09: exchange help does not establish a universal 0% markup. Wirex One has distinct self-custodial-wallet terms; legacy consumer app, One and BaaS must not share a blanket custody label. X-tras prices retain their earlier check date and are not asserted as One membership prices.
Editorial verification
Who checked this review and how
This is a desk review based on recorded official sources, not a hands-on product test or customer review. Compare the documented fees, eligibility and limitations. We do not publish numerical product scores without a reproducible assessment.
- Review process
- Official-source desk review
- Last checked
- Recorded sources
- 7 official sources
Final decision check
Confirm these four points against the provider’s current terms before relying on it.
Availability
Region-dependent — Wirex states 130+ countries; card support varies by country row
Last checked
Last checked: 2026-08-11
May fit
Users comparing fiat plus crypto card wallets
Main limitation
You need one simple fee table worldwide
Check current terms
This opens the provider’s official site. Fees, eligibility and availability can change.
Alternatives
Nexo Card
Dual-mode crypto card for eligible users in Europe and Argentina.
Last checked: 2026-08-10
- Existing Nexo users in eligible European countries or Argentina
- Users comparing dual credit/debit crypto card models
Gnosis Pay
Self-custodial Visa debit card spending stablecoins from a Safe account.
Last checked: 2026-08-10
- Eligible users in selected European and Latin American countries who want self-custodial stablecoin spending
- Users comfortable managing a Safe smart account
Head-to-head comparisons
Related next steps
FAQ
Are Wirex fees the same everywhere?
No. Wirex publishes region-specific fees, limits and supported-country tables. Check the app and the country row that applies to your residence.
Can a crypto card replace a bank account?
No. Treat it as a specialized spending tool and keep regulated backup accounts for essential money.
What should I verify first?
Issuer support, KYC rules, custody model, spending fees, ATM costs, card network support and current reward terms.