Wirex on true all-in cost
7.8/ 35% of the score
Publishes a full fee table including FX and ATM limits; a conversion spread applies when spending crypto.
Best Crypto Cards · Rank 04 of 8
Wirex review
Multi-currency spending across many markets
Last verified August 15, 20264 scored axes
Score7.9
Self-reported only
The short answer
Wirex scores 7.9 out of 10 and ranks #4 of 8 in the best crypto cards table, strongest on coverage (9.0) and weakest on reward honesty (7.4).
One of the longest-running programmes in the category with genuinely broad multi-currency support and competitive exchange rates. It has also weathered service disruptions that cardholders felt directly.
Key facts on record
- Issuer
- Wirex with partner banks
- Coverage
- Europe, UK and selected markets
- Token staking
- Required for top tiers
What the record shows
4 axes, weighted as published in the table’s methodology. Each score below is read from the fact printed under it.
Wirex on issuer stability
7.4/ 25% of the score
Operating since 2015 through named issuing partners; cardholders have experienced service disruptions, including card-scheme transitions.
Wirex on coverage
9.0/ 20% of the score
Available in Europe, the UK and selected other markets, published per region.
Wirex on reward honesty
7.4/ 20% of the score
Top reward tiers require staking the platform token, with the tables published.
Quick answers
- What is Wirex best for?
- Multi-currency spending across many markets. One of the longest-running programmes in the category with genuinely broad multi-currency support and competitive exchange rates.
- Where does Wirex rank among best crypto cards?
- #4 of 8, scoring 7.9 out of 10 — self-reported only on our band scale.
- What is the weakest part of Wirex?
- Reward honesty at 7.4. Top reward tiers require staking the platform token, with the tables published.
Strengths and weaknesses
In its favour
- Long operating history with wide market coverage
- Strong multi-currency and FX handling
- Competitive conversion rates on major currencies
Against it
- Has experienced service disruptions affecting cardholders
- Top reward tiers depend on staking its own token
Ten years of spending crypto
Wirex has run since 2015, which in this category is close to permanence, and its multi-currency handling and FX rates remain among the better ones. For a traveller holding several currencies alongside crypto, the product does something conventional cards do not.
The 2026 change
The reward programme on the Classic app ended for EEA and Australian users on 30 June 2026, with accrued rewards payable only after upgrading to the newer product. Cardholders have also lived through service disruptions including card-scheme transitions. None of this cost anyone their balance; all of it is the reason this category's stability axis exists.
Costs
The full fee table is published including FX and ATM limits, and a conversion spread applies when spending crypto. Top reward tiers require staking the platform token, with the tables published.
Who it suits
Multi-currency spenders in Europe and the UK who value the FX handling and are not relying on the rewards, which have proved the least stable part of the offer.
How it compares
Against Gnosis Pay it trades custody for reach and multi-currency features; against Crypto.com it offers narrower coverage at a similar reward structure. Its FX handling is the reason to choose it, not the cashback.
What to check
Which app version you are on and what happened to accrued rewards during the 2026 programme change, since the answer differs by region and by product.
Frequently asked questions
Is Wirex still worth using?+
Its multi-currency and FX handling remain competitive. The rewards are less reliable: the Classic app's programme ended for EEA and Australian users on 30 June 2026, with accrued rewards paid only after upgrading.
Has Wirex had outages?+
Cardholders have experienced service disruptions over the years, including card-scheme transitions. No loss of customer balances appears on its record.
Does Wirex require staking?+
Top reward tiers require staking the platform token, with the tier tables published. The card functions without it.
How Wirex compares
8 services in best crypto cards
- 01Coinbase CardUS users who want a card from a regulated public company8.5
- 02Gnosis PaySpending from a wallet you actually control8.4
- 03Nexo CardSpending against collateral instead of selling it8.1
- 04Wirexyou are hereMulti-currency spending across many markets7.9
- 05Crypto.com VisaUsers already committed to that ecosystem's token7.8
- 06RedotPayAvailability in markets other issuers do not serve7.7
- 07Bybit CardSpending directly from an existing exchange balance7.5
- 08PlutusUsers chasing the highest rewards and willing to work for them6.9