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Comparison

Cypher Card vs. Wirex One Card (EEA) compared

  • Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Cypher CardCypher
  • Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Wirex One Card (EEA)Wirex

In short

  • Wirex One Card (EEA) has the lowest foreign currency fee (0 %).
  • Cypher Card has the higher score (58.48).
Attribute Cypher CardCypher Requires KYC Private Virtual Physical Metal Wirex One Card (EEA)Wirex Requires KYC Private Virtual Physical Metal
Score average average
CostsWeight 25 % 68 75
KYC and privacyWeight 20 % 35 35
FeaturesWeight 15 % 76 90
AvailabilityWeight 10 % not scored 23
RewardsWeight 10 % not scored 10
TrustWeight 10 % 81 81
CommunityWeight 10 % not scored not scored
KYC KYC: ID document KYC: ID document
Limits (entry level)
  • Top-up per transaction: 100,000 USD
  • Spending per day: 50,000 USD
  • Spending per month: 150,000 USD
+4
  • Spending per month: 30,000 EUR
  • ATM per day (physical card): 750 EUR
  • ATM per month (physical card): 5,000 EUR
+1
Basics
Card form (differs)
credit Source and check Source cypherhq.io Wording at the source # CYPHER CREDIT CARD ACCOUNT OPENING DISCLOSURES – NO SET LINE OF CREDIT Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
debit Source and check Source wirexapp.com Wording at the source 9.9. The Wirex Card does not provide any credit facility. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card types (differs)
virtual, physical Source and check Source cypherhq.io Wording at the source Cards Virtual card✅ Free ✅ Free Physical Card✅ ($50Shipping fee) ✅ ($50Shipping fee) Metal Card🚫 ✅ Free Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
virtual Source and check Source wirexone.freshdesk.com Wording at the source | Benefit | Base | Premium | Elite | Private | Bespoke | |---|---|---|---|---|---| | Card type | Virtual | Plastic | Plastic | Metal | Metal | | Foreign Exchange Fee | Free | Free | Free | Free | Free... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card network
Visa Source and check Source cypherhq.io Wording at the source The card program is issued by the Issuer under license from Visa. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Visa Source and check Source wirexapp.com Wording at the source Wirex One's crypto-enabled card is available to any user, and offers up to 8% cashback on any purchase, anywhere Visa is accepted. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Custody
self-custody Source and check Source cypherhq.io Wording at the source CypherD offers a Non-Custodial Wallet enabling users to store, manage, and transact with cryptocurrencies, as well as a Crypto Card designed for facilitating purchases. As a non-custodial service, Cyp... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
self-custody Source and check Source wirexone.freshdesk.com Wording at the source Do I actually own my wallet, or does Wirex hold it for me?You own it. Wirex One is non-custodial: your wallet is controlled by keys that only you can authorise the use of. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Funding model
stablecoin balance Source and check Source cypherhq.io Wording at the source - Your funds are completely safe and can be withdrawn at any time before the deadline, with no fees. - Withdrawals are processed in USDC on Base and may take 24 to 48 hours to reflect in your wallet.... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
stablecoin balance Source and check Source wirexapp.com Wording at the source - Stablecoin-funded card with up to 8% cashback in USD** instantly spendable in everyday life Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card currencies (differs)
USD Source and check Source cypherhq.io Wording at the source If you make a transaction using your Account in a foreign currency (including, for example, online purchases from a merchant located outside of the U.S.), the credit card association will convert any... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
EUR Source and check Source help.wirexapp.com Wording at the source The billing currency for the European Economic Area is EUR, GBP for the United Kingdom, AUD for Australia, SGD for the APAC region, and USD for the United States. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Usage
personal Source and check Source cypherhq.io Wording at the source - You will use the Cypher Card for personal, family, or household use. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
personal Source and check Source wirexapp.com Wording at the source has today launched Wirex One, the first stablecoin neobank built for the growing segment of mass affluent consumers, to the public. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Issuer / BIN sponsor (differs)
Third National Source and check Source cypherhq.io Wording at the source - "Issuer" refers to the issuer of the card program. The issuer for this card program is Third National. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Wirex Limited Source and check Source wirexapp.com Wording at the source Card-based Regulated Services is provided by Wirex Limited, a company incorporated in England and Wales (company number 09334596), authorised and regulated by the Financial Conduct Authority as an ele... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Limits depend on (differs)
plan Source and check Source cypherhq.io Wording at the source The Standard Plan users have a daily limit of $10,000 and a monthly limit of $30,000. The Premium Plan users have a daily limit of $20,000 and a monthly limit of $60,000. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
KYC level Source and check Source wirexone.freshdesk.com Wording at the source Your Wirex One card comes with spending and withdrawal limits designed to keep your account secure. Some limits can be increased through additional verification. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Cards per account
unknown
unknown
Availability
Available in
unknown
unknown
Crypto
Supported assets (differs)
ETH, USDC, SOL Source and check Source cypherhq.io Wording at the source Note: A single load of up to $100,000 can be added for USDC, USD, ETH, and SOL. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
only in the app Source and check Source wirexone.freshdesk.com Wording at the source Select your token — compatible networks appear automatically. Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean?
Number of supported assets
unknown
unknown
Top-up networks (differs)
Ethereum, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism, Avalanche, zkSync, Cosmos Source and check Source cypherhq.io Wording at the source 1. Ethereum 2. Polygon 3. Arbitrum 4. Optimism 5. Base 6. Injective 7. Osmosis 8. Cosmos 9. TX 10. BSC (Binance Smart Chain) 11. Solana 12. Avalanche (Avax) 13. ZKsync_ERA 14. Noble 15. Hyperliquid Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
only in the app Source and check Source wirexone.freshdesk.com Wording at the source Which networks are supported?Supported networks are shown in the app when you select a token. Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean?
Fiat top-up (differs)
No Source and check Source cypherhq.io Wording at the source No, it's not possible to fund the card with fiat. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Yes Source and check Source wirexone.freshdesk.com Wording at the source - Bank Transfer (SEPA) — Fund your EUR account directly from any SEPA-supported bank. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Payments
Mobile wallets
Apple Pay Google Pay Source and check Source cypherhq.io Wording at the source We've provided helpful links below to guide you through the process of adding your Cypher card to Apple Pay and Google Pay: Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Apple Pay Google Pay Source and check Source wirexone.freshdesk.com Wording at the source Your Wirex One card works like any Visa debit card. Make purchases online and in-store wherever Visa is accepted, withdraw cash at ATMs worldwide, and add your card to Apple Pay or Google Pay for cont... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean?
ATM withdrawals
Yes Source and check Source cypherhq.io Wording at the source The channels you can enable or disable are ATM Withdrawals, Online Transaction, Contactless Transaction, Card and PIM Transaction and Apple Pay and GPay. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Yes Source and check Source wirexapp.com Wording at the source 9.3. To set up your Personal Identification Number (PIN), you must follow the instructions available within your Profile. Your PIN is required to complete certain transactions, including ATM withdrawa... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Contactless
Yes Source and check Source cypherhq.io Wording at the source The channels you can enable or disable are ATM Withdrawals, Online Transaction, Contactless Transaction, Card and PIM Transaction and Apple Pay and GPay. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Yes Source and check Source wirexapp.com Wording at the source 9.4. A transaction is authorised when you enter your PIN, use contactless functionality, provide card credentials online, or confirm the transaction in-app. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Fees
Virtual card issuance (differs)
0.00 USD Source and check Source cypherhq.io Wording at the source Virtual card✅ Free ✅ Free Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Standard: unknown
1 more country/region EEA: 0.00 EUR Source and check Source help.wirexapp.com Wording at the source | Type | UK | EEA | APAC | SG | AU | Other | |---|---|---|---|---|---|---| | Card Issuance | Free | Free | Free | Free | Free | Free | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Physical card issuance
unknown
Standard: unknown
1 more country/region EEA: 0.00 EUR Source and check Source help.wirexapp.com Wording at the source | Type | UK | EEA | APAC | SG | AU | Other | |---|---|---|---|---|---|---| | Card Issuance | Free | Free | Free | Free | Free | Free | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Free cards
unknown
unknown
Shipping
unknown
Standard: unknown
1 more country/region EEA: 5.00 EUR – 15.00 EUR Source and check Source help.wirexapp.com Wording at the source | European Economic Area | DHLWorldMail (not trackable) | 5 EUR | | | European Economic Area | DHL Express ( trackable) | 15 EUR | | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Monthly fee (differs)
unknown
0.00 EUR Source and check Source wirexone.freshdesk.com Wording at the source Wirex One membership is a tiered programme that links your benefits to your portfolio structure. From the moment you open a Wirex One account, you start benefiting from the membership. There is no sub... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Annual fee
unknown
unknown
Top-up fee
unknown
unknown
Crypto deposit fee
unknown
unknown
Crypto conversion fee (differs)
unknown
only in the app Source and check Source wirexone.freshdesk.com Wording at the source Is there a fee?Fees are shown in full on the Review screen before you confirm. Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean?
Foreign currency fee (differs)
1.75 % Source and check Source cypherhq.io Wording at the source Forex Markup Non USD Transactions1.75% 0.75% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
0 % Source and check Source wirexone.freshdesk.com Wording at the source | Foreign Exchange Fee | Free | Free | Free | Free | Free | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
FX free allowance
unknown
unknown
Minimum FX fee
unknown
unknown
ATM fee (differs)
3 % Source and check Source cypherhq.io Wording at the source ATM Withdraw Fee 3% 2% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Declined payment fee
unknown
unknown
Refund fee
unknown
unknown
Inactivity fee
unknown
unknown
Minimum monthly spend
unknown
unknown
Inactivity rule
unknown
unknown
Card replacement
unknown
unknown
Rewards
Cashback (differs)
unknown
0.5 % · in USD · requires token holding or staking
Referral bonus (invited friend)
unknown
unknown
Referral bonus (you)
unknown
unknown
Welcome bonus
unknown
unknown

Highlighted rows differ.

Values of the chosen variant; without a choice the entry variant (first in the provider's order).

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