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Wirex / Card review
Crypto payment card
Wirex One Bespoke
A Visa card service with a self-custodial wallet and spendable accounts; five tiers depend on portfolio value and WPAY allocation.
Before you apply
Selected tier / planBespokeWirex One Bespoke
Select where you live, not your travel destination.
Choose your residence first
Important to check
- A listed country does not guarantee personal approval.
- Check identity, address, documentation and delivery requirements.
Regional availability is not individual approval. Figures refer to the selected card/plan; check tier, identity-document and delivery conditions.
Documents & application →Features & benefits
Top Wirex One tier for established large WPAY portfolios.
- Rewards · first band
- 8% USD
- Spending preferences
- Spend funded balance
- Custody model
- Custody needs verification
Read the conditions behind the figures · Fees & benefit conditions ↓
A good fit if
- For supported-country users already maintaining USD50,000 and 10% WPAY who use financial-news and Whoop subscription rebates.
The tradeoff
- The 8% cashback needs the highest WPAY allocation; unused subscription rebates provide no practical value.
- Virtual card
- Listed · check region and plan
- Physical card
- Listed · check region and plan
- Apple Pay
- Official confirmation needed
- Google Pay
- Official confirmation needed
How the card works
- A Visa card service with a self-custodial wallet and spendable accounts; five tiers depend on portfolio value and WPAY allocation.
Fees & benefit conditions
- Card issuance fee
- Amount not stated in reviewed official sources
- Maintenance / subscription
- No annual or monthly card fee
- Foreign-currency fee
- 0% foreign transaction fee
Read the conditions behind the figures
- No subscription.
- Both a portfolio of at least USD50,000 and WPAY allocation of 10% are required.
Figures refer to the selected card and plan. Do not combine them with benefits of another pictured or listed tier.
Items to verify and where to check · 1
- Card issuance feeAmount not stated in reviewed official sourcesWirex One's official fee guide lists free foreign transactions. Its benefit matrix separates Base virtual, Premium/Elite physical and Private/Bespoke metal availability and free upper-tier delivery, but does not state issuance prices for these cards. Check the issuance/delivery quote when ordering.
Fields reviewed · 2026-09-09
Documents & application
Documents to prepare
Check accepted ID and any address evidence in the application for your residence and program.
Steps on the official site or app
- Verify your email in Wirex One and set up a passkey or authenticator app.
- Complete KYC before ordering and check country coverage and tier-specific card formats.
- Under Add → Stablecoin Deposit, select token and network and use the displayed address and memo.
- After on-chain confirmation, check the USD or EUR spendable credit and use the card available at your tier.
The official site opens in a new tab. Select the product and tier shown above. Identity checks and the final application take place with the provider.
Full details & support
Full details
Practical payment facts
Narrow by supported features · brand guidance, subject to regional and tier conditions.
- Funding / spending assets
- USDC · USD · EUR · GBP
- Supported networks
- Official confirmation needed
- Balance / billing currency
- USD / EUR / GBP spendable accounts
- Conversion timing
- Depends on region or payment mode
- Virtual card
- Listed · check region and plan
- Physical card
- Listed · check region and plan
- Apple Pay
- Official confirmation needed
- Google Pay
- Official confirmation needed
- Recurring payments
- Listed · check region and plan
Refunds & support
Wirex One cards only; legacy Wirex App/X-Tras terms are separate.
- Cancellations, refunds and support
- Wirex One public help does not establish an ordinary card-purchase refund process. Ask support for your card program’s procedure.
- How long does it take?
- Ordinary-purchase refund timing is unverified; external card-transfer timing concerns a different process.
- Where is it returned?
- Refund currency, balance and rate are unverified. Ask support which USD, EUR or GBP account receives the refund.
- Cancellation and subscriptions
- Ask support about card-only closure. Profile → Settings → Delete Account permanently deletes the account; official guidance requires exporting the private key first.
- Declined or unfamiliar transactions
- With sufficient funds, limits or merchant security checks can still cause declines. Review regional limits in-app and contact support if it persists.
- What to prepare for support
- Use Contact support in the Wirex One help center. For a lost Metal card, freeze it in-app immediately and report it.
Wirex One account deletion ↗
Wirex One Metal card support ↗
Wirex One regional card availability ↗
Wirex One separate payment accounts ↗
Wirex One wallet custody ↗
2026.09.08 · Based on official documentation · not a firsthand payment test
Brand and custody
- Card issuer / operator
- Official confirmation needed
- Custody of funded balances
- Privy-based self-custodial crypto wallet; payment accounts are separate
Official guidance describes self-custody and key export for the Privy-based wallet. Payment accounts are separate; protect access factors and verify deposit networks.
An alternative to compare
Keep metal and AI subscription benefits with USD25,000 and 5% WPAY thresholds.
Check regional termsOfficial documentation & sources
Official sources
Tier benefits ↗
Membership ↗
Fees ↗
Custody ↗
Spendable account stablecoin funding ↗
Wirex One stablecoin and crypto card ↗
Wirex One card limits and fees ↗
Wirex One Metal Card ↗
Account creation ↗
wirex · official terms ↗
Official information · Wirex One Bespoke ↗
Catalog dated 7 Sep 2026 · supplemental facts checked 8 Sep 2026
Official terms reviewed · 2026-09-21
The review date applies to the fields below. Check the source for regional and tier differences and later changes.
- Wirex One ATM / limits
- Wirex One physical/metal ATM limits: €750/day and €5,000/month; virtual ATM not available. Purchases: €30,000 each; monthly €30,000 virtual/physical, €75,000 metal, subject to region.
- FX
- No foreign transaction fee. This source does not state issuance or ATM withdrawal fees; these remain unconfirmed.