Wirex Card vs Xapo Card

The Wirex Card is a crypto-enabled payment card connected to Wirex One. Eligible European users can spend fiat, stablecoins and supported digital assets at merchants that accept the applicable Visa or Mastercard programme.

Wirex One combines a self-custodial wallet with regulated card and account services. This means users can keep supported digital assets under their control while still accessing conventional card payments, although the payment-network and account layers remain separate regulated services.

Wirex One includes a self-custodial wallet, and its current terms allow card payments using supported digital assets held in that wallet. Users retain control of the wallet assets rather than depositing everything into a traditional exchange balance.

The card itself is not entirely on-chain. Wirex states that account identifiers and regulated card services are separate from the self-custodial wallet. Visa or Mastercard infrastructure and payment partners are still involved when a merchant transaction is processed.

Wirex moved customers in the EEA, UK and Australia to Wirex One during 2026. The published migration deadline was 30 June 2026, after which the previous Wirex App experience stopped supporting normal transactions in those regions until users completed the upgrade.

Wirex One introduces a self-custodial wallet, a new wealth-based membership model and updated card rewards. Existing European users should therefore use the current Wirex One terms rather than older Wirex X-tras documentation when features conflict.

Wirex One currently advertises cashback from 0.5% to 8% on eligible card purchases, with rewards valued in USD. The rate depends on the user's Wirex One membership tier.

The current model has five tiers: Base, Premium, Elite, Private and Bespoke. Unlike the older X-tras subscription structure, Wirex One says there is no membership subscription fee or token lock-up. Tier status depends on portfolio size and the percentage of the portfolio held in WPAY.

Wirex One uses five membership tiers: Base, Premium, Elite, Private and Bespoke. Your tier is determined by both your total portfolio value and the percentage held in WPAY, and Wirex says the status is recalculated daily.

Higher tiers can unlock larger cashback rates, subscription rebates, higher savings rates and other benefits. There is no separate subscription fee and no required long-term token lock-up under the current Wirex One model.

Wirex One currently advertises 0% FX fees for card spending in more than 150 countries. This is one of the main benefits of the new card programme.

Users should still pay in the merchant's local currency where possible. A merchant or ATM can offer dynamic currency conversion or add its own charge, which is separate from Wirex's own FX pricing. The live app remains the best source for the final exchange amount before a transaction.

Wirex currently lists card issuance as free in the EEA. The virtual card is free, while standard physical-card delivery is currently €5 through DHL WorldMail.

Wirex also offers a premium Metal card, with pricing and eligibility shown in the app. The exact delivery option and charge can vary by destination, so users should review the final order screen before requesting a physical card.

Yes. Physical and Metal Wirex cards support ATM withdrawals where the card network is accepted. For EEA users, Wirex currently provides up to €200 of fee-free ATM withdrawals per month and charges 2% on the amount withdrawn above that allowance.

Current published limits include up to €500 per day and €5,000 per month for physical and Metal cards. ATM operators can add their own surcharge.

Wirex currently publishes a maximum purchase of €30,000 for virtual, plastic and Metal cards. The standard monthly purchase limit is €30,000 for virtual and plastic cards and €75,000 for Metal.

Wirex says Metal limits may be increased on request. Account-level compliance controls can also affect practical limits, so users planning a large purchase should check the live limits in the app first.

Yes. Wirex One promotes support for both Apple Pay and Google Pay. Eligible virtual cards can be added to a supported mobile wallet and used for contactless payments before a physical card arrives.

Mobile-wallet transactions still use the same Wirex card balance, membership rewards and transaction rules. Availability can depend on the issuing programme, country and device.

Yes. Wirex One offers an instant virtual card, a standard physical card and a premium Visa Signature Metal option where available.

The virtual card is designed for online and mobile-wallet spending, while physical cards add ATM and traditional chip-and-PIN functionality. The Metal card is aimed at higher-tier users and can include higher limits and premium benefits.

Wirex One currently advertises 50% rebates on selected subscriptions. Examples listed by Wirex include Uber One, ChatGPT Plus, Claude Pro, Perplexity Pro, Whoop, Bloomberg and the Financial Times.

The number of eligible subscriptions depends on membership tier. Wirex says qualifying rebates are returned in USD at the end of the month and are capped at the standard plan price for each service.

Yes. Wirex requires identity verification for regulated card and account services. Users should expect to provide personal information and identity documents before the card can be issued.

Self-custody in Wirex One does not remove the KYC requirement for the payment card. The wallet and card layers serve different functions, and access to Visa or Mastercard infrastructure remains subject to compliance checks.

Create or upgrade to a Wirex One account, complete the required verification and open the Card section. Eligible users can request a virtual card immediately and order a physical or Metal card if available for their account.

Existing EEA customers who used the previous Wirex App should complete the Wirex One migration first. The app will show the current card format, delivery fee and membership benefits available to the user.

Use Wirex's official Help Centre at https://help.wirexapp.com, the in-app chat or the support-ticket flow for card, migration, transaction or verification problems.

If a payment issue involves self-custodial assets, keep the transaction details available but never share a seed phrase, private key or one-time authentication code. Wirex support can investigate account and card issues without needing the secrets that control your wallet.