Comparison
Karta Card vs. Wirex One Card (EEA): fees, limits & KYC
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karta.io29 Oct 2026
Image source
Source
karta.io
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Karta CardKarta.io
-
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 %).
- Karta Card has the higher score (68.29).
| Attribute |
Karta CardKarta.io
Requires KYC
Private
Virtual
Physical
Metal
|
Wirex One Card (EEA)Wirex
Requires KYC
Private
Virtual
Physical
Metal
|
|---|---|---|
| Score | good | average with variant Premium: 60 with variant Elite: 60.75 with variant Private: 61.5 with variant Bespoke: 62.63 |
| CostsWeight 25 % | 68 | 75 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 89 | 90 |
| AvailabilityWeight 10 % | 79 | 48 |
| RewardsWeight 10 % | 100 | 10 |
| TrustWeight 10 % | 81 | 83 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) | no limits captured |
|
| Basics | ||
| Card form |
debit
karta.io checked 29 Oct 2026
Two sources, two values
Showndebit
karta.iochecked 29 Oct 2026
- Debit card (Visa Signature) accepted at 150 million merchantsDifferingvalue not recorded legal.karta.iofetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
debit
wirexapp.com checked 28 Oct 2026
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, metal
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Step 4: Consider upgrading to Karta's physical metal card (from 100 USDT) if you prefer having a physical cardChecked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
virtual
wirexone.freshdesk.com checked 29 Oct 2026
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?
virtual, physical
wirexone.freshdesk.com checked 29 Oct 2026
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?
virtual, physical
wirexone.freshdesk.com checked 29 Oct 2026
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?
virtual, physical, metal
wirexone.freshdesk.com checked 29 Oct 2026
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?
virtual, physical, metal
wirexone.freshdesk.com checked 29 Oct 2026
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
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Use Karta Visa Signature® worldwide. Instant virtual and physical cards. Compatible with Apple Pay, Google Pay, and global ATM cash access.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Visa
wirexapp.com checked 30 Oct 2026
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 30 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Custody (differs) |
self-custody
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Only you control your wallet. Secure by design — send, receive, and manage your crypto.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
smart wallet
wirexapp.com checked 30 Oct 2026
Source and check
Source
wirexapp.com
Wording at the source
3.3. The Self-Custodial Wallet is a non-custodial smart contract account that enables you to directly access and manage your digital assets and interact with on-chain functionality on Wirex One.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
| Funding model |
stablecoin balance
karta.io checked 29 Oct 2026
Two sources, two values
Shownstablecoin balance
karta.iochecked 29 Oct 2026
a Visa card funded from your stablecoin balance.Differingvalue not recorded legal.karta.iofetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
stablecoin balance
wirexapp.com checked 30 Oct 2026
Source and check
Source
wirexapp.com
Wording at the source
- Stablecoin-funded card with up to 8% cashback in USD** instantly spendable in everyday lifeChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card currencies (differs) |
USD
legal.karta.io checked 29 Oct 2026
Source and check
Source
legal.karta.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
help.wirexapp.com checked 29 Oct 2026
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
legal.karta.io checked 29 Oct 2026
Source and check
Source
legal.karta.io
Wording at the source
The primary purpose of your Account is for personal expenses.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
personal
wirexapp.com checked 30 Oct 2026
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 30 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs) |
Third National
legal.karta.io checked 29 Oct 2026
Source and check
Source
legal.karta.io
Wording at the source
"Karta Finance Inc" 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
wirexapp.com checked 28 Oct 2026
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) | unknown |
KYC level
wirexone.freshdesk.com checked 28 Oct 2026
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 | |
| Availability | ||
| Available in (differs) |
Not available in 21 countries and regions
legal.karta.io checked 29 Oct 2026
Source and check
Source
legal.karta.io
Wording at the source
Karta Accounts are not available in the following jurisdictions: - Bangladesh - Belarus - Brazil - Cuba - Democratic People's Republic of Korea - Egypt - Iran - Iraq - India - Israel - Myanmar - Chin...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Available in 73 countries and regions
wirexone.freshdesk.com checked 30 Oct 2026
Source and check
Source
wirexone.freshdesk.com
Wording at the source
Below is the current list of countries where Wirex One Card is available. Availability changes as we roll out new markets. If your country isn't listed yet, check back — we're expanding coverage regu...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Crypto | ||
| Supported assets (differs) |
USDT, USDC
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Stablecoins: USDT or USDC on Tron (TRC-20), Ethereum, BNB Smart Chain, Polygon, Arbitrum, Optimism, Base, and Solana.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
only in the app
wirexone.freshdesk.com checked 29 Oct 2026
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 | |
| Top-up networks (differs) |
Ethereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Stablecoins: USDT or USDC on Tron (TRC-20), Ethereum, BNB Smart Chain, Polygon, Arbitrum, Optimism, Base, and Solana.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
only in the app
wirexone.freshdesk.com checked 29 Oct 2026
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 |
Yes
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Fiat transfers: ACH (USD), SWIFT (USD), Domestic Wire (USD), SEPA (EUR), PIX (BRL), Bank Transfer (COP), and SPEI (MXN).Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
wirexone.freshdesk.com checked 29 Oct 2026
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
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Use Karta Visa Signature® worldwide. Instant virtual and physical cards. Compatible with Apple Pay, Google Pay, and global ATM cash access.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
wirexone.freshdesk.com checked 28 Oct 2026
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
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Use Karta Visa Signature® worldwide. Instant virtual and physical cards. Compatible with Apple Pay, Google Pay, and global ATM cash access.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
wirexapp.com checked 28 Oct 2026
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
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
For in-store contactless payments, add your Karta virtual card to your mobile wallet:Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
wirexapp.com checked 28 Oct 2026
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) | 5.00 USDT promotion, no end date stated
karta.io checked 30 Oct 2026
Source and check
Source
karta.io
Wording at the source
Signing up is free, and you can get started right away. There's a one-time fee of 30 USDT 5 USDT for issuing your virtual Visa Signature® card.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? , regular 30.00 USDT karta.io checked 30 Oct 2026 Source and check Source karta.io Wording at the source Signing up is free, and you can get started right away. There's a one-time fee of 30 USDT 5 USDT for issuing your virtual Visa Signature® card.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
Standard:
unknown
1 more country/regionEEA: 0.00 EUR help.wirexapp.com checked 29 Oct 2026 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/regionEEA: 0.00 EUR help.wirexapp.com checked 29 Oct 2026 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 | |
| Shipping | unknown |
Standard:
unknown
1 more country/regionEEA: 5.00 EUR – 15.00 EUR help.wirexapp.com checked 29 Oct 2026 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) |
0.00 USD
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Karta alternative: Zero monthly fees. Your account remains active as long as you use it, with no minimum balance requirements and no hidden maintenance charges.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 EUR
wirexone.freshdesk.com checked 29 Oct 2026
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 | |
| Top-up fee | unknown | |
| Crypto deposit fee | unknown | |
| Crypto conversion fee (differs) |
0 % above the market rate
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
While competitors charge 2-5% just to load your card, Karta offers 0% commission on crypto deposits. Your 100 USDT becomes $100 in spending power—no hidden conversion spreads, no "processing fees," no...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
only in the app
wirexone.freshdesk.com checked 28 Oct 2026
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 % above the network rate
karta.io checked 29 Oct 2026
Two sources, two values
Shown1 % above the network rate
karta.iochecked 29 Oct 2026
💡 Visa network charge: Visa applies a standard 1% international transaction fee on payments made in currencies other than USD. This is a Visa network standard separate from Karta's fees.Differingvalue not recorded legal.karta.iofetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0 %
wirexone.freshdesk.com checked 29 Oct 2026
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 (differs) | unknown |
not applicable
wirexone.freshdesk.com checked 30 Oct 2026
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 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Minimum FX fee | unknown | |
| ATM fee (differs) |
2.5 % + 1.00 USDT
karta.io checked 29 Oct 2026
Two sources, two values
Shown2.5 % + 1.00 USDT
karta.iochecked 29 Oct 2026
| ATM withdrawal (successful) | 1 USDT + 2.5% |Differingvalue not recorded karta.iofetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Transaction fee (differs) |
1.5 %
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
| Card payment fee | 1.5% per transaction |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Cross-border fee (differs) | unknown |
not published
wirexone.freshdesk.com checked 30 Oct 2026
Source and check
Source
wirexone.freshdesk.com
Wording at the source
- Paying abroad — Many payments abroad come with no extra fees. Depending on your card type, a payment processed by a merchant in another country may include an additional charge, even when no currenc...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Withdrawal fee | unknown | |
| Activation fee | unknown | |
| Minimum top-up | unknown | |
| Declined payment fee | unknown | |
| Refund fee | unknown | |
| Inactivity fee | unknown | |
| Minimum monthly spend | unknown | |
| Inactivity rule | unknown | |
| Card replacement | unknown | |
| Rewards | ||
| Cashback (differs) |
25 %
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Every USDT purchase earns 25% back in Karat—Karta's internal reward token.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Referral bonus (invited friend) | unknown | |
| Referral bonus (you) | unknown | |
| Welcome bonus | unknown | |
Highlighted rows differ.
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
Watch both cards
One mail when something changes at Karta Card · Wirex One Card (EEA): promotions and bonuses as well as warnings and incidents.