Comparison
Vield Non-Custodial Mastercard vs. Wirex One Card (EEA): fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Vield Non-Custodial MastercardVield
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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 %).
- Wirex One Card (EEA) has the best score (58.22).
| Attribute |
Vield Non-Custodial MastercardVield
|
Wirex One Card (EEA)Wirex
|
|---|---|---|
| Overview | Requires KYC Private Virtual | Requires KYC Private Virtual Physical Metal |
| Score | average | average with variant Premium: 60 with variant Elite: 60.75 with variant Private: 61.5 with variant Bespoke: 62.63 |
| CostsWeight 25 % | 83 | 75 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 40 | 90 |
| AvailabilityWeight 10 % | 0 | 48 |
| RewardsWeight 10 % | not scored | 10 |
| TrustWeight 10 % | 68 | 83 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card form (differs)same for all |
prepaid
vield.io checked 29 Oct 2026
Source and check
Source
vield.io
Wording at the source
The Virtual Prepaid Mastercard is issued by Immersve Pty Ltd (ABN 93 658 192 057, AFSL Number 545925) pursuant to license by Mastercard.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 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 typessame for all |
virtual
vield.io checked 29 Oct 2026
Source and check
Source
vield.io
Wording at the source
- Virtual card: Currently digital-only (no physical card yet)Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 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 (differs)same for all |
Mastercard
vield.io checked 29 Oct 2026
Source and check
Source
vield.io
Wording at the source
- Accepted everywhere: Use anywhere Mastercard is acceptedChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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)same for all |
self-custody
vield.io checked 29 Oct 2026
Source and check
Source
vield.io
Wording at the source
- Non-custodial: You retain full control of your cryptoChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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 modelsame for all |
stablecoin balance
vield.io checked 29 Oct 2026
Source and check
Source
vield.io
Wording at the source
1. USDC is deducted from your Vield card balance 2. The amount is instantly converted at the USDC/AUD market rate 3. The transaction is completed in merchant currencyChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 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)same for all |
AUD
vield.io checked 29 Oct 2026
Source and check
Source
vield.io
Wording at the source
2. The amount is instantly converted at the USDC/AUD market rateChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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? |
| Usagesame for all |
personal
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
The Card is available only to individuals. It is designed for personal use and must not be used for any commercial purposes.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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)same for all |
Immersve Pty Ltd (ABN 93 658 192 057, AFSL 545925)
vield.io checked 29 Oct 2026
Source and check
Source
vield.io
Wording at the source
The Virtual Prepaid Mastercard is issued by Immersve Pty Ltd (ABN 93 658 192 057, AFSL Number 545925) pursuant to license by Mastercard.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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 onsame for all | 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 accountsame for all | unknown | |
| Unknown for all | Cards per account | |
| Availability | ||
| Available insame for all | unknown |
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)same for all |
USDC
vield.io checked 29 Oct 2026
Source and check
Source
vield.io
Wording at the source
- Currently accepted: USDC on Polygon network onlyChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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 assetssame for all | unknown | |
| Top-up networks (differs)same for all |
Polygon
vield.io checked 29 Oct 2026
Source and check
Source
vield.io
Wording at the source
- Currently accepted: USDC on Polygon network onlyChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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 (differs)same for all |
No
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
The Available Balance may only be comprised of USDC which is loaded on the Card via your Smart Contract Account.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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? |
| Unknown for all | Number of supported assets | |
| Payments | ||
| Mobile walletssame for all |
Apple Pay
Google Pay
vield.io checked 29 Oct 2026
Source and check
Source
vield.io
Wording at the source
- Digital wallets (Apple Pay, Google Pay)Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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 (differs)same for all |
No
vield.io checked 29 Oct 2026
Source and check
Source
vield.io
Wording at the source
- ATM withdrawals: Not supported (virtual card only)Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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? |
| Contactlesssame for all |
Yes
vield.io checked 29 Oct 2026
Source and check
Source
vield.io
Wording at the source
- Physical purchases: Cannot insert at point of sale (no physical card yet), however payWave is available via Apple Pay and Google WalletChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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 issuancesame for all | 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? |
| Physical card issuancesame for all |
not applicable
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
Virtual Form - The Card is issued in virtual form only, eliminating the need for a physical card.Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 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? |
| Free cardssame for all | unknown | |
| Shippingsame for all |
not applicable
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
Virtual Form - The Card is issued in virtual form only, eliminating the need for a physical card.Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
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 feesame for all |
0.00 AUD
vield.io checked 29 Oct 2026
Source and check
Source
vield.io
Wording at the source
- Monthly fees: NoneChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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 feesame for all | unknown | |
| Top-up feesame for all |
free
vield.io checked 29 Oct 2026
Source and check
Source
vield.io
Wording at the source
- Vield does not charge top-up feesChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Crypto deposit feesame for all | unknown | |
| Crypto conversion feesame for all | unknown |
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)same for all |
1.5 %
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
| Currency Conversion Fee: payable and deducted from the Card at the same time you make a transaction using the Card in a currency other than USD, or you make a transaction using the Card in any curre...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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 allowancesame for all | 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 feesame for all | unknown | |
| ATM feesame for all |
not applicable
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
The Card cannot be used for cash withdrawals from ATMs or other service providers.Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Transaction feesame for all |
free
vield.io checked 30 Oct 2026
Two sources, two values
Shownfree
vield.iochecked 30 Oct 2026
| Purchase Transaction Fee: deducted from the Card at the same time you successfully use your Card at an eftpos terminal to make a payment. | $0 for domestic and international transactions |Differing1.5 % vield.iofetched 30 Oct 2026 - Transaction fee: 1.5% charged on each purchaseThe shown value comes from the more binding source (terms and fee schedules rank above help pages, product pages and app stores). Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Cross-border feesame for all | 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 feesame for all | unknown | |
| Activation feesame for all | unknown | |
| Minimum top-upsame for all |
not applicable
vield.io checked 30 Oct 2026
Source and check
Source
vield.io
Wording at the source
- Minimum: No minimum limitChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Declined payment feesame for all |
0.00 AUD
vield.io checked 30 Oct 2026
Source and check
Source
vield.io
Wording at the source
| No Funds Fee: deducted from the Card at the same time you attempt to use the Card at an eftpos terminal, but that transaction is declined because there are insufficient funds available on the Card....Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Refund feesame for all | unknown | |
| Inactivity feesame for all |
0.00 AUD
vield.io checked 29 Oct 2026
Source and check
Source
vield.io
Wording at the source
- Inactivity fees: NoneChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Minimum monthly spendsame for all | unknown | |
| Inactivity rulesame for all | unknown | |
| Card replacementsame for all |
free
vield.io checked 28 Oct 2026
Source and check
Source
vield.io
Wording at the source
| Card Replacement Fee | $0 |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Unknown for all | Free cards · Annual fee · Crypto deposit fee · Minimum FX fee · Withdrawal fee · Activation fee · Refund fee · Minimum monthly spend · Inactivity rule | |
| Rewards | ||
| Cashbacksame for all | unknown | |
| Referral bonus (invited friend)same for all | unknown | |
| Referral bonus (you)same for all | unknown | |
| Welcome bonussame for all | unknown | |
| Unknown for all | Referral bonus (invited friend) · Referral bonus (you) · Welcome bonus | |
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 Vield Non-Custodial Mastercard · Wirex One Card (EEA): promotions and bonuses as well as warnings and incidents.