Wirex
Bronze TierLight KYCWirex is a veteran crypto-native card supporting 50+ cryptocurrencies including BTC, ETH, XRP, LTC and XLM. Pay with crypto at any Visa merchant and earn up to 8% Cryptoback in BTC or WXT. In-app exchange runs at 0% with live OTC rates, and X-Accounts let you stake crypto for up to 16% APY. Requires light KYC (ID verification) but rewards serious crypto users with one of the broadest asset line-ups in the industry.
Last verified April 17, 2026
Fees
Reload Fee0% in-app crypto-to-fiat exchange (OTC rates)
Annual Fee$0 (standard plan)
Foreign TX Fee0% on most plans
ATM Fee$2.50+ (plan-dependent)
Limits
Daily$15,000+
Monthly$125,000+
Details
Supported CryptoBTC, ETH, XRP, LTC, XLM, USDT, USDC, DAI, WXT, 50+ more
NetworksBTC, ETH, XRP, LTC, XLM, ERC20
Spend MethodsVisa, Apple Pay, Google Pay
Physical Card
Virtual Card
Pros
- Supports 50+ cryptocurrencies (BTC, ETH, XRP, LTC, XLM & more)
- Up to 8% Cryptoback rewards paid in BTC or WXT
- 0% in-app exchange fees at live OTC rates
- X-Accounts earn up to 16% APY on crypto savings
- Apple Pay, Google Pay & contactless Visa
- Self-custody Wirex Wallet option for full control
- Established since 2014 — regulated in UK/EU/APAC
Cons
- Light KYC required (ID + selfie verification)
- Premium rewards tiers need WXT staking
- ATM fees apply beyond free monthly withdrawals
Best For
Long-term crypto holders who want maximum cryptoback rewards across 50+ coins and are OK with light KYC
How Wirex Compares
| Feature | Wirex | XKard | SolCard |
|---|---|---|---|
| Tier | Bronze | Gold | Gold |
| KYC Level | Light KYC | No KYC | No KYC |
| Supported Crypto | BTC, ETH, XRP, LTC, XLM, USDT, USDC, DAI, WXT, 50+ more | USDT | SOL, USDT, USDC |
| Networks | BTC, ETH, XRP, LTC, XLM, ERC20 | BEP20, TRC20 | Solana |
| Spend Methods | Visa, Apple Pay, Google Pay | Visa, Mastercard, Apple Pay, Google Pay | Virtual Card, Apple Pay, Google Pay |
| Reload Fee | 0% in-app crypto-to-fiat exchange (OTC rates) | 4.5% Essential, 3.5% Premium, 2.3% Whale | 5% top-up fee |
| Annual / Monthly Fee | $0 (standard plan) | $108/yr (Essential), $228/yr (Premium), $588/yr (Whale) | None |
| Foreign TX Fee | 0% on most plans | 8-10% combined cross-currency | 2% foreign transaction fee |
| Monthly Limit | $125,000+ | $100,000 (Whale) | Not specified |
| Physical Card | |||
| Apple Pay | |||
| Google Pay | |||
| Affiliate Program | None | 15% Lifetime reload fees | Tiered % Percentage of 5% deposit fee, tiered by volume |
| Action |