Wirex.
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.
Pros.
- +100+ cryptocurrencies supported
- +0% FX fee
- +Free card issuance
- +Apple Pay & Google Pay
- +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
Cons.
- −⚠️ 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)
- −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
Detailed fee breakdown.
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).