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Wirex Card 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 Card suits people who want one multi-currency debit card with crypto attached and no everyday cost. The monthly fee is $0 and the currency conversion fee is 0%, so spending abroad and holding several currencies costs nothing on the card itself. Cashback of 0.5% to 8% adds a small return.

Key facts

Best for
A free multi-currency Visa debit card with crypto spending and cashback.
Monthly fee
$0↗
Currency conversion fee
0%↗
Free ATM withdrawals
$0↗
Card type
Debit↗
Cashback rate
0.5% to 8%↗
Card network
Visa↗
Currencies
from 150↗
Custody
Self custody↗
Legal entity
Wirex Limited↗
Headquarters
United Kingdom↗
Founded
2014↗
Support channels
Email, Chat, Help-centre, Community↗
Features
Multi-currency, Crypto, Virtual card, Self-custody, Travel
Audience
Business
Official website
wirexapp.com

Crypto wallets

Wallet type
Mobile↗
Price
$0↗
Coins supported
from 150↗
Connectivity
NFC↗

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
LinkedInXdiscord.gg

Pros and cons

Pros

  • Monthly fee of $0 on the card account
  • Currency conversion fee of 0%, below the site median of 1%
  • Cashback of 0.5% to 8% on spending
  • Multi-currency and crypto features, with from 150 currencies available

Cons

  • Free ATM withdrawals are $0, so cash machine use is not free
  • Support runs on email, chat and help centre only, with no phone line listed
  • It ranks at 44 of 124 on free ATM withdrawals
Wirex Card

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • People who want a single debit card for everyday spending across many currencies and crypto
  • Businesses that want a multi-currency Visa debit card with cashback
  • Travellers who would rather avoid a currency conversion charge on card spending

Who should look elsewhere

  • People who need free ATM withdrawals, who would be better served by Starling Personal Account Debit Card
  • Anyone who wants to hold only pounds and euros without crypto, where Wise is simpler
  • Bank customers who need a phone line, since support here runs on email, chat and help centre

Safety of your money

Wirex is authorised by the Financial Conduct Authority in the UK, registered as FRN 902025, and is also listed with the Malta Financial Services Authority and the Superintendency of the Financial System of El Salvador. The crypto side runs on self custody, which means you hold the keys yourself rather than the platform. Fiat balances sit with the regulated UK entity, while crypto balances are yours to move or withdraw.

Who runs it

The card is issued by Wirex Limited, based in the United Kingdom and holding a Financial Conduct Authority licence, FRN 902025. The business was founded in 2014, so it has a long record in payments and currency accounts. Help is offered through email, chat and help centre, which means a phone line is not among the options listed. Account management runs from a mobile app.

How Wirex Card compares

Where Wirex Card is available

Licence in United Kingdom
Financial Conduct Authority (FRN 902025), checked September 26, 2026
Licence in Malta
Malta Financial Services Authority, checked September 26, 2026
Licence in El Salvador
Superintendency of the Financial System of El Salvador, checked September 26, 2026

Frequently asked questions

What does the Wirex Card cost to hold?+

The monthly fee is $0, and the card is listed as a debit card on the Visa network. It is a free-standing account, so there is no annual charge listed either. It ranks at 1 of 422 brands on monthly fee.

Is there a fee when I spend in another currency?+

The currency conversion fee is 0%, so card spending in other currencies carries no conversion charge from Wirex. The site median for debit cards is 1%, and Wirex ranks at 1 of 258 brands on this point.

Is my money protected and who regulates Wirex?+

Wirex is authorised by the Financial Conduct Authority in the UK under FRN 902025, with further listings in Malta and El Salvador. Crypto balances sit in self custody, so you hold them yourself. Fiat balances are held by the regulated UK entity.

How many currencies and coins can I hold?+

The account supports from 150 currencies, making it a multi-currency account rather than a single-market one. The card also supports from 150 coins for crypto spending. A mobile wallet is available, and the card includes virtual card and crypto features.

Do I earn anything when I spend?+

Spending earns cashback of 0.5% to 8%, which applies on top of a $0 monthly fee. Cashback is the rewards type most common among the cards compared. Contactless payments are supported on the card.

Can I use cash machines?+

Free ATM withdrawals are $0, so cash machine withdrawals are not included in the free allowance. This is the weakest point for a card that otherwise costs nothing to hold. It ranks at 44 of 124 brands on this measure.

Who is the Wirex Card aimed at?+

The listed audience is business, so the card is built around business and multi-currency use as much as personal spending. It suits anyone who wants crypto and traditional currencies in one Visa debit card. Readers who only want pounds and euros would be better served by Wise.

How do I get help?+

Support is offered through email, chat and help centre. A phone line is not among the options listed, which matters if you want to talk someone through a card problem. The help centre and live chat are the quickest routes listed.

Sources

  • wirexapp.com checked September 26, 2026

    Backs: Audience

    “Business Accounts - Global corporate accounts that connect traditional banking with stablecoin infrastructure”

  • wirexapp.com/legal/one/terms checked September 26, 2026

    Backs: Card type, Custody, Headquarters, Legal entity, Support channels, Wallet type, Licences

    “The Wirex Card does not provide any credit facility. Transactions attempted without sufficient available assets may be declined.”

  • wirexapp.com/personal checked September 26, 2026

    Backs: Free ATM withdrawals, Founded

    “enjoy fee-free ATM withdrawals worldwide”

  • wirexapp.com/stablecoin-and-crypto-card checked September 26, 2026

    Backs: Cashback rate, Coins supported, Connectivity, Currencies, Features, Currency conversion fee, Monthly fee, Card network, Price

    “Every eligible purchase earns between 0.5% and 8% back in USD, depending on your membership tier.”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Protection.

Wirex Card

Wirex Card

A free multi-currency Visa debit card with crypto spending and cashback.

9.0/10Visit