WIREX ONE CARD Premium Banking Built For People Who Expect More
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 0.5% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €100 |
| DAILY LIMIT | $30,000 |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $500 |
| CASHBACK | 1% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €250 |
| DAILY LIMIT | $30,000 |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $2,500 |
| CASHBACK | 3% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €750 |
| DAILY LIMIT | $30,000 |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $25,000 |
| CASHBACK | 5% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €2,500 |
| DAILY LIMIT | $30,000 |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $50,000 |
| CASHBACK | 8% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | UNLIMITED |
| DAILY LIMIT | $30,000 |
WPAY is NOT cashback — it's a tier-gating token. You must hold WPAY (1%-10% of portfolio) to access Premium+ tiers. WPAY price volatility directly impacts tier eligibility. If WPAY drops, your ratio falls, tier downgrades in 24h.
WPAY % of portfolio (per tiers): 0%, ≥ 1% , ≥ 5%, ≥ 8%, ≥ 10%
- Min portfolio balance (per tiers): None, ≥ $500, ≥ $2,500, ≥ $25,000, ≥ $50,000
Base offers no travel perks, Premium includes Uber One, luxury hotels, Wirx Travel, and merchant offers, Elite adds the same travel perks with airport lounge access and Air Refunds, Private includes all Elite travel perks plus SIXT discounts, and Bespoke includes all Private travel perks with unlimited free ATM access and premium travel benefits.
Physical card activation required via app before use
THE REAL STORY ON THIS CARD.
- Up to 8% cashback in USD
- Zero subscription fees, tiers earned by portfolio, not paid
- Zero FX fees on international purchases
- 50% rebate on premium subscriptions (Uber, ChatGPT, Claude, Perplexity, Whoop, Bloomberg, FT)
- Earn rate boosts on crypto and stablecoins
- Visa Signature Metal card for Private/Bespoke
- Apple Pay and Google Pay support
- 130+ countries, $30M+ insurance, 7M+ users
- Requires holding WPAY token to qualify for higher tiers
- Tier can drop if portfolio value or WPAY ratio falls
- ATM fees 2% after free allowance exceeded
- KYC required
- Not available in US (card ordering)
- Virtual-only for Base tier (no physical card, no ATM)
- Physical card delivery: Standard up to 4 weeks (non-trackable)
- Custodial wallet (not non-custodial)
- 15 transactions/day max on card
- Crypto-to-fiat conversion spread applies
GENERAL QUESTIONS.
Card issuance is completely free across all tiers. No subscription fees. No lock-ups. Physical card delivery fees apply (amounts TBC). Metal card delivery is free for Bespoke, fee applies for Private.
ATM withdrawals available with Physical or Metal cards only (Premium tier and above). 500 EUR/day, 5,000 EUR/month, max 5 withdrawals/day. Free within allowance (amount not publicly disclosed for Wirex One), 2% fee above allowance.
Visa and Mastercard for all card types. Metal cards are Visa Signature with premium benefits (AirRefund, SIXT rental discounts).
Tiers are determined by total portfolio value (fiat + crypto + Earn accounts in USD) and percentage held in WPAY. Both thresholds must be met. Recalculated daily. No subscription fee, no lock-up. Five tiers: Base, Premium, Elite, Private, Bespoke.
Every eligible purchase earns 0.5%-8% cashback in USD depending on tier. Credited to Rewards Balance upon settlement. Instantly redeemable for spending. Excludes ATM, crypto purchases, gambling, and refunded transactions.
Pay for eligible subscriptions with your Wirex One card. 50% is refunded in USD at end of month. Capped at standard individual plan price. Access expands by tier: Premium (Uber One), Elite (+ChatGPT), Private (+Claude, Perplexity), Bespoke (+Whoop, Bloomberg, FT).
MORE CRYPTO CARDS.
BYBIT CARD 
CRYPTO.COM
READY CARD
