Monetiro229 services on the ledger · last checked October 6, 2026
ENRU
$1.25/$100
Take it?CostsAsks forLimitsWhere it worksFlawsWhat has changedHow we checkedAlternatives
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Wirex

Wirex

Visa · MCVirtual and plasticSince 2014
Asks for everythingIssues reported

Before you continue. Readers report problems with this service — withdrawals, support or card delivery. Check current reports before you put money on it.

Pioneer crypto card (2014), rebranded to 'Wirex One' in 2026 — premium banking positioning with up to 8% USD cashback (tiered: Base/Premium/Elite/Private/Bespoke), up to 9.75% APY on stablecoin savings, and 50% rebates on select subscriptions (Uber One, ChatGPT Plus, etc.). 100+ cryptos, 0% FX. Despite the rebrand, legacy issues persist per user reports: mass account blocks, months-long fund holds, aggressive inactivity fees, AI-only support, lawsuit against founders.

Total, per $100 spent: $1.25per $100 spent

80 of the 174 priced cards cost less. Among the 113 that ask for exactly as much identity, the median is $1.23.

Open wirexapp.comNot a paid link: we earn nothing either way.

Whether to take Wirex

In its favour

  • 100+ cryptocurrencies supported
  • 0% FX fee
  • Free card issuance
  • Apple Pay & Google Pay

Against it

  • Trustpilot rating remains poor (was 1.2/5 as of May 2026); exact current score could not be independently re-verified — site blocks automated fetches
  • Mass account blocks without explanation (historical reports)
  • Funds held for months (historical reports)
  • Inactivity fees drain inactive accounts (€5/month per fiat balance + 0.003 BTC/day per crypto)

Also true, in its favour

  • ATM access (free up to €200/month)
  • Long track record since 2014
  • Up to 8% cashback in USD (Wirex One, top membership tier, no subscription cost)
  • Up to 9.75% APY on stablecoin savings (Wirex One)
  • Non-custodial wallet option via Wirex One

What Wirex costs

ChargeWhat it costs
To get the card
To issue the card$0.00
Monthly$0.00
To put money in
To load0%
To spend it
To spend0%
To spend outside the dollar0%
Total, per $100 spent$1.25

Not published by the issuer: per payment, fixed, at a cash machine.

Read off wirexapp.com on July 21, 2026.

0% bank transfer top-up. ~1% debit card. 1-1.5% crypto spread (reports of up to 10%). 0% FX. ATM: free €200/month, then 2%. Inactivity: €5/month per fiat + 0.003 BTC/day per crypto (after 18 months). Daily spend up to €30,000. Since the 2026 'Wirex One' rebrand: cashback 0.5-8% paid in USD (tier-based, no subscription fee), stablecoin savings up to 9.75% APY, 50% subscription rebates (Uber One, ChatGPT Plus, Claude Pro, Perplexity Pro, Whoop, Bloomberg, FT).

KYC: what Wirex asks for

Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.

Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards

Limits on spending

Daily spend$30,000
Cash, per day$500

Not published by the issuer: monthly spend, per payment, maximum balance.

Confirmed on wirexapp.com on July 21, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.

Where it works

WalletsApple Pay and Google Pay
Accepted whereOnline, in person, cash machines
Account detailsNone — it is a card, not an account
Coins in24BTC, ETH, USDT, USDC, DAI, WXT, SOL, XRP, ADA, LTC, DOT, DOGE, LINK, AVAX, MATIC, TRX, XLM, AAVE, ALGO, UNI, SHIB, TON, OP, ARB
Chains10Ethereum, Bitcoin, Solana, Polygon, Avalanche, Tron, Stellar, Base, Arbitrum, Optimism
TiersVirtual, Physical, Visa Signature Metal

Closed to residents of 16 countries, according to the issuer's own terms.

  • Afghanistan
  • Belarus
  • Canada
  • China
  • Cuba
  • Iran
  • Japan
  • North Korea
  • Philippines
  • Russia
  • South Korea
  • Sudan
  • Syria
  • United States
  • Venezuela
  • Zimbabwe

The other flaws

  • Support is 'AI bot only'
  • Lawsuit against founders in Netherlands (historical)
  • 1-1.5% hidden crypto spread (some report up to 10%)
  • Russia explicitly blocked
  • Mid-2026 rebrand to 'Wirex One' — some users report migration issues (locked out, unmigrated balances)
  • One of the most problematic services reviewed historically

What has changed

5 recorded changes, the most recent on May 7, 2026. Each carries the page we read it on.

May 7, 2026New cardWirex × SecondFi launch self-custodial cardOn May 7, 2026, SecondFi and Wirex announced a self-custodial card — letting users retain control of their crypto while spending globally on the Visa network. Marks Wirex's first self-custody product after years of custodial-only cards.businessinsider.com
April 8, 2026VerifiedWirex BaaS powers Utorg cards for 2M+ usersWirex BaaS partnered with Utorg on April 8, 2026, providing non-custodial card issuance, EUR/USD IBANs with SEPA Instant, and real-time crypto-to-fiat conversion for Utorg's 2 million+ users across 190+ countries. Apple Pay and Google Pay included.prnewswire.com
March 31, 2026VerifiedWirex launches Stablecoin Push-to-Card via Visa DirectWirex launched Stablecoin Push-to-Card powered by Visa Direct — enabling stablecoin-funded payouts to eligible cards worldwide, reaching the ~3 billion Visa card footprint. Onchain card volume grew 34% Feb→Mar 2026 as the rail activated.wirexapp.com
March 3, 2026New cardWirex Agents enables AI-powered stablecoin cardsWirex launched Wirex Agents on March 3, 2026 — a non-custodial infrastructure layer letting AI agents autonomously create stablecoin Visa cards, open virtual accounts, and execute on-chain financial transactions via an MCP server.prnewswire.com
February 18, 2026New cardWirex Visa Direct: stablecoin payouts to 3B+ cardsWirex launched Stablecoin Push-to-Card via Visa Direct on February 18, 2026, enabling BaaS partners to deliver stablecoin-funded payouts to 3 billion+ eligible Visa debit and prepaid cards across 200+ countries in under 30 seconds, 24/7.prnewswire.com

How we checked this

Thirteen fields are tracked for every service. 11 of them carry a figure we read off wirexapp.com on July 21, 2026.

Issuer's page
Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Issuance · Monthly · Spending limits · Apple Pay and Google Pay
Sign-up flow
Identity level
Live check
Operating status
Terms
Countries closed
The issuer does not publish
Cash machine charge · Maximum balance

Nothing here came from a press release, an affiliate sheet, or another comparison site.

Open wirexapp.comNot a paid link: we earn nothing either way.

Alternatives to Wirex

Costs $1.15 more per $100 — the price of the difference.RedotPay CardRedotPay CardVisa · MCVirtual and plasticAsks for everythingOperationalFree to load. 1.2% outside the dollar, plus $1.20 fixed.AG21 Jul$2.40per $100 spent
Its issuer publishes nothing to compare on price.WantToPayWantToPayVisa · MCVirtual onlyAsks for everythingOperationalPublishes 1 of five fee fields — not enough to price.AG9 Septnot published
Costs $11.25 more per $100 — the price of the difference.KemyCardKemyCardVisa · MCVirtual and plasticAsks for everythingOperational8% when you load, plus $4.50 fixed. 1 fee field is not published.AG21 Jul$12.50per $100 spent