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Wirex review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Wirex suits people who want a debit card for everyday spending across many currencies, plus a crypto account behind it, with cashback of 8% on card use. The offer side of the rating is strong at 9.2, and the overall score is 8.

Key facts

Best for
A fee-free multi-currency debit card with cashback and a custodial crypto account behind it.
Monthly fee
$0↗
Currency conversion fee
0%↗
Free ATM withdrawals
$400↗
Card type
Debit↗
Cashback rate
8%↗
Card network
Visa↗
Currencies
150↗
Custody
Custodial↗
Legal entity
Wirex Limited↗
Headquarters
United Kingdom↗
Founded
2014↗
Support channels
Chat, Help-centre↗
Features
Crypto, Custodial, Multi-currency, Travel, Virtual card
Official website
wirexapp.com

Crypto exchanges

Taker fee
1.5% to 2.5%↗
Coins listed
35↗
Regulators
FCA↗
Fiat deposit methods
Card, Bank↗
Withdrawal fee
Only gas fees↗
Exchange type
Cex↗

Facts checked September 26, 2026, 8 sources

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • Cashback of 8% on everyday card spend.
  • Free ATM withdrawals of $400 for trips abroad.
  • Fiat top ups by card or bank transfer.

Cons

  • Trading is costly at taker fees of 1.5% to 2.5%, above the 0.6% typical of debit card rivals.
  • Support runs on chat and help centre only.
  • Coins sit in custodial storage, so the platform holds the keys.
Wirex

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • People who want everyday spending and crypto balances in the same account.
  • Travellers who want a free ATM allowance and many currencies on one card.
  • Readers comfortable with a custodial exchange rather than holding keys themselves.

Who should look elsewhere

  • bunq, for a euro account on a €0 monthly fee, if crypto is not on your list.
  • Wise, for currency conversion and spending alone on a £0 monthly fee.
  • Starling, for a UK current account with a £0 monthly fee, where a custodial exchange adds nothing.

How Wirex compares

Where Wirex is available

Available
United Kingdom
Licence in United Kingdom
FCA (902025), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to keep a Wirex card?+

The monthly fee on the Wirex debit card is $0, and the currency conversion fee is 0%, so the card costs nothing to hold and nothing to spend abroad. The free ATM allowance is $400. Crypto trading is separate, charged at taker fees of 1.5% to 2.5%.

Who regulates Wirex and where is it based?+

Wirex is regulated by the FCA in the UK, under licence 902025, and the legal entity behind the brand is Wirex Limited. The debit card runs on the visa network, so it is accepted in the usual places.

Can I hold and spend crypto from the same account?+

The exchange side is custodial, so Wirex holds the coins rather than you holding keys. Fiat top ups run through card and bank, and the debit card spends from the same balance, which ties everyday money to the crypto side.

What does trading crypto on Wirex cost?+

Trading is charged per trade, with taker fees of 1.5% to 2.5% and an exchange type of cex. Withdrawals out of the platform cost Only gas fees, so no separate platform withdrawal charge is added on top.

How many currencies can I hold and spend?+

The account covers 150 currencies, and spending abroad runs on a 0% currency conversion fee. The card is a debit card on the visa network, with travel and a virtual card among the features. Coins listed number 35, so the account doubles as a crypto wallet.

Who does Wirex suit?+

Wirex fits people who want a multi-currency account, a debit card paying 8% cashback and a crypto exchange in the same place. It suits those who accept custodial storage, since coins are held by the platform. It was founded in 2014.

How do I get help if something goes wrong?+

Support runs through chat and help centre: a chat line and a help centre. Readers who need a phone line for a dispute or a frozen account should weigh that before applying, since the listed channels stop at chat and self-service.

Sources

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Protection.

Wirex

Wirex

A fee-free multi-currency debit card with cashback and a custodial crypto account behind it.

9.1/10Visit