WIREX ONE CARD
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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 | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | NOT DISCLOSED |
| 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 | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €750 |
| DAILY LIMIT | NOT DISCLOSED |
| 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 | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €750 |
| DAILY LIMIT | NOT DISCLOSED |
| 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 | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €750 |
| DAILY LIMIT | NOT DISCLOSED |
| 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 | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €750 |
| DAILY LIMIT | NOT DISCLOSED |
Monthly purchase limit: €30,000 for virtual and physical cards; €75,000 for metal cards.
- Min portfolio balance (per tiers): None, ≥ $500, ≥ $2,500, ≥ $25,000, ≥ $50,000
- WPAY % of portfolio (per tiers): 0%, ≥ 1%, ≥ 3%, ≥ 5%, ≥ 10%
WPAY is not cashback, it is the tier-eligibility token.
Base requires no WPAY; higher tiers require both a minimum portfolio value and WPAY allocation.
Cashback is paid in USD, not WPAY.
WPAY price volatility can affect tier eligibility.
Higher tiers unlock higher cashback, yield, subscription rebates and travel/lifestyle perks.
Physical card must be activated in the app before use.
Virtual card does not require physical card activation.
THE REAL STORY ON THIS CARD.
- UP TO 8% CASHBACK IN USD — BESPOKE
- 0% FOREIGN TRANSACTION FEE
- INSTANT VIRTUAL CARD — ALL TIERS
- PHYSICAL CARD — PREMIUM AND ABOVE
- VISA SIGNATURE METAL — PRIVATE AND BESPOKE
- APPLE PAY AND GOOGLE PAY
- 50% REBATES ON ELIGIBLE SUBSCRIPTIONS — TIER-DEPENDENT
- SELF-CUSTODY WITH USER-CONTROLLED KEYS
- SEPA, ACH AND FASTER PAYMENTS — REGION-DEPENDENT
- NO MONTHLY OR ANNUAL MEMBERSHIP FEE
- NO TOKEN LOCK-UP REQUIREMENT
- HIGHER TIERS REQUIRE MINIMUM PORTFOLIO VALUE AND WPAY ALLOCATION
- TIER STATUS CAN CHANGE AS PORTFOLIO VALUE OR WPAY RATIO CHANGES
- BASE TIER IS VIRTUAL-ONLY AND HAS NO ATM ACCESS
- ATM FEES NOT DISCLOSED IN WIREX ONE-SPECIFIC FEE DOCUMENTATION
- ATM WITHDRAWALS AND OTHER EXCLUDED TRANSACTIONS EARN NO CASHBACK
- DAILY CARD-SPENDING LIMIT NOT DISCLOSED
- PHYSICAL-CARD DELIVERY PRICING NOT DISCLOSED FOR PREMIUM AND ELITE
- CARD ISSUANCE ELIGIBILITY IS REGION-DEPENDENT
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).
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| FEATURE | BASE | PREMIUM | ELITE | PRIVATE |
|---|---|---|---|---|
| W BONUS | NONE | NONE | NONE | NONE |
| REG FEE / REQ | FREE | $500 | $2,500 | $25,000 |
| CASHBACK | 0.5% | 1% | 3% | 5% |
| NEED KYC | YES | YES | YES | YES |
| FX FEE | 0% | 0% | 0% | 0% |
| APR / YIELD | NO | NO | NO | NO |
| CARD TYPE | VIRTUAL CARD | VIRTUAL AND PHYSICAL CARD | VIRTUAL AND PHYSICAL CARD | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | ||||
| BLOCKCHAIN | ||||
| REGION |