WIREX ONE CARD
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 | $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 | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €750 |
| 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 | NON 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 | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €750 |
| 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 | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €750 |
| DAILY LIMIT | $30,000 |
- 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.
Tier is recalculated daily as portfolio value and WPAY ratio change.
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
- Zero subscription fees — tiers earned by portfolio, not paid
- Zero FX fees on international purchases
- Non-custodial
- 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
- No lock-up required
- Balance-path qualification for Elite+ (no WPAY needed)
- HIGHER TIERS REQUIRE MINIMUM PORTFOLIO VALUE + WPAY RATIO
- TIER STATUS CAN CHANGE AS PORTFOLIO VALUE OR WPAY RATIO CHANGES
- BASE TIER IS VIRTUAL-ONLY; NO ATM ACCESS
- SELF-CUSTODIAL WALLET MEANS LOST RECOVERY ACCESS CAN CAUSE PERMANENT LOSS OF FUNDS
- CARD AND REGULATED SERVICES ARE REGION-DEPENDENT
- DIGITAL-ASSET FEATURES MAY HAVE LIMITED REGULATORY / CONSUMER PROTECTIONS
- CARD USE REQUIRES SUFFICIENT DIGITAL-ASSET BALANCE; NO CREDIT FACILITY
- THIRD-PARTY INFRASTRUCTURE DEPENDENCIES APPLY
- LIMITS VARY BY REGION / CURRENCY AND MAY CHANGE
- HIGHER TIERS REQUIRE HOLDING A MINIMUM WPAY PORTFOLIO SHARE
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.
ROBINHOOD CARD 
METAMASK CARD
BYBIT CARD
