# Wirex One Card (EEA)

by Wirex · checked 30 Oct 2026 · updated 30 Oct 2026

Website: [wirexapp.com](https://www.wirexapp.com)

## Facts

- Wirex One Card (EEA) is a Visa debit card from Wirex.
- Wirex One Card (EEA) has no monthly fee.
- Payments in foreign currencies cost 0 %.
- Topping up via bank transfer costs free.
- Topping up via card costs free (Wirex fee for local card top-ups; a conversion fee applies when the top-up currency is USD because processing is in EUR, and the card issuer may charge its own fees.).
- It works with Apple Pay, Google Pay.
- Base cashback is 0.5 %.
- Custody: smart wallet.
- Issuer / BIN sponsor: Wirex Limited.
- The crypto conversion fee is only shown in the app.

## Basics

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Card form | debit |  | wirexapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Card types | virtual, physical, metal |  | wirexone.freshdesk.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ Standard | virtual, physical, metal |  | wirexone.freshdesk.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ Plan Base | virtual |  | wirexone.freshdesk.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ Plan Premium | virtual, physical |  | wirexone.freshdesk.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ Plan Elite | virtual, physical |  | wirexone.freshdesk.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ Plan Private | virtual, physical, metal |  | wirexone.freshdesk.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ Plan Bespoke | virtual, physical, metal |  | wirexone.freshdesk.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Card network | Visa |  | wirexapp.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Custody | smart wallet |  | wirexapp.com (checked 30 Oct 2026 · verified 30 Oct 2026) |
| Funding model | stablecoin balance |  | wirexapp.com (checked 30 Oct 2026 · verified 28 Oct 2026) |
| Card currencies | EUR |  | help.wirexapp.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Usage | personal |  | wirexapp.com (checked 30 Oct 2026 · verified 28 Oct 2026) |
| Limits depend on | KYC level |  | wirexone.freshdesk.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Cards per account | unknown |  |  |
| Mobile wallets | Apple Pay, Google Pay |  | wirexone.freshdesk.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| ATM withdrawals | Yes |  | wirexapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Contactless | Yes |  | wirexapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |

## Fees and variants

|  | All variants | Base | Premium | Elite | Private | Bespoke | Source |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Status |  | available | available | available | available | available |  |
| Price |  | 0.00 EUR/month | 0.00 EUR/month | 0.00 EUR/month | 0.00 EUR/month | 0.00 EUR/month | wirexone.freshdesk.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Score |  | 58.22 (Entry variant) | 60 | 60.75 | 61.5 | 62.63 |  |
| **Card** |  |  |  |  |  |  |  |
| Card types |  | virtual | virtual, physical | virtual, physical | virtual, physical, metal | virtual, physical, metal | wirexone.freshdesk.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ATM withdrawals | Yes |  |  |  |  |  | wirexapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| **Fees** |  |  |  |  |  |  |  |
| Virtual card issuance | unknown |  |  |  |  |  |  |
| ↳ EEA | 0.00 EUR |  |  |  |  |  | help.wirexapp.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ EEA | 0.00 EUR |  |  |  |  |  | help.wirexapp.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Physical card issuance | unknown |  |  |  |  |  |  |
| ↳ EEA | 0.00 EUR |  |  |  |  |  | help.wirexapp.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ EEA | 0.00 EUR |  |  |  |  |  | help.wirexapp.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Shipping | unknown |  |  |  |  |  |  |
| ↳ EEA | 5.00 EUR – 15.00 EUR |  |  |  |  |  | help.wirexapp.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ EEA | 5.00 EUR – 15.00 EUR |  |  |  |  |  | help.wirexapp.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Annual fee | unknown |  |  |  |  |  |  |
| Top-up fee |  | with USDT · top-up via crypto: 0.08 % (USDT deposits, verified account; before verification 0.08 % on all levels; other tokens may differ (shown in app).) | with USDT · top-up via crypto: 10,000.00 USD free per calendar month, then 0.08 % on the amount above it (USDT deposits, verified account; before verification 0.08 % on all levels; other tokens may differ (shown in app).) | with USDT · top-up via crypto: 50,000.00 USD free per calendar month, then 0.08 % on the amount above it (USDT deposits, verified account; before verification 0.08 % on all levels; other tokens may differ (shown in app).) | with USDT · top-up via crypto: free (USDT deposits, verified account; before verification 0.08 % on all levels; other tokens may differ (shown in app).) | with USDT · top-up via crypto: free (USDT deposits, verified account; before verification 0.08 % on all levels; other tokens may differ (shown in app).) | wirexone.freshdesk.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Crypto deposit fee |  | with USDT · top-up via crypto: 0.08 % (Applies to verified Base accounts; unverified accounts on every tier also pay 0.08%.) | with USDT · top-up via crypto: 10,000.00 USD free per calendar month, then 0.08 % on the amount above it (Verified Premium account; before verification the fee is 0.08% on all deposits.) | with USDT · top-up via crypto: 50,000.00 USD free per calendar month, then 0.08 % on the amount above it (Verified Elite account; before verification the fee is 0.08% on all deposits.) | with USDT · top-up via crypto: free (Verified Private account; before verification the fee is 0.08%.) | with USDT · top-up via crypto: free (Verified Bespoke account; before verification the fee is 0.08%.) | wirexone.freshdesk.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Crypto conversion fee | only in the app |  |  |  |  |  | wirexone.freshdesk.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Minimum conversion | unknown |  |  |  |  |  |  |
| Foreign currency fee |  | 0 % | 0 % | 0 % | 0 % | 0 % | wirexone.freshdesk.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Minimum FX fee | unknown |  |  |  |  |  |  |
| ATM fee | unknown |  |  |  |  |  |  |
| Merchant-specific fee | unknown |  |  |  |  |  |  |
| Transaction fee | unknown |  |  |  |  |  |  |
| Cross-border fee | not published |  |  |  |  |  | wirexone.freshdesk.com (checked 30 Oct 2026 · verified 30 Oct 2026) |
| 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 |  |  |  |  |  |  |
| Plan waivers |  | unknown | unknown | unknown | Shipping waived: Free card delivery included in the tier. | Shipping waived: Free card delivery included in the tier. | wirexone.freshdesk.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| **Cashback & rewards** |  |  |  |  |  |  |  |
| Cashback |  | 0.5 % · in USD · requires token holding or staking | 1 % · in USD · requires token holding or staking | 3 % · in USD · requires token holding or staking | 5 % · in USD · requires token holding or staking | 8 % · in USD · requires token holding or staking | wirexone.freshdesk.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| **Limits** |  |  |  |  |  |  |  |
| Spending per month | 30,000 EUR |  |  |  |  |  |  |
| ATM per day (physical card) | 750 EUR |  |  |  |  |  |  |
| ATM per month (physical card) | 5,000 EUR |  |  |  |  |  |  |
| Single payment per transaction | 30,000 EUR |  |  |  |  |  |  |

## KYC and limits

KYC: ID document

### ID document

- Identity verification at Wirex — Requires: E-mail, ID document, Selfie / liveness; In some cases: Proof of address (on request: Terms 6.1 list proof of residential address dated within the last 6 months; not part of the in-app flow described in the help centre) — wirexone.freshdesk.com (checked 29 Oct 2026 · verified 28 Oct 2026)

The limits are listed per variant in the table variants and fees.

### When is KYC needed?

- After a risk review at its own discretion, Wirex may request additional documents such as proof of source of funds. — wirexapp.com (checked 28 Oct 2026 · verified 28 Oct 2026)
- To order a physical version, Wirex requires level 1 (e-mail address, ID document, selfie). — wirexone.freshdesk.com (checked 29 Oct 2026 · verified 28 Oct 2026)

## Availability

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Available in | Available in 73 countries and regions |  | wirexone.freshdesk.com (checked 30 Oct 2026 · verified 30 Oct 2026) |
| ↳ Standard | Available in 73 countries and regions |  | wirexone.freshdesk.com (checked 30 Oct 2026 · verified 30 Oct 2026) |
| ↳ by residence | Available in: European Economic Area |  | wirexapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Residency requirement | Must be at least 18 years old and resident in a supported jurisdiction. |  | wirexapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |

| Country | Available |
| --- | --- |
| Germany | available |
| Austria | available |
| Switzerland | available |
| United States | not available |
| United Kingdom | available |
| France | available |
| Spain | available |
| Italy | available |
| Netherlands | available |
| Türkiye | not available |
| Brazil | available |
| Nigeria | available |
| India | not available |
| United Arab Emirates | available |
| Singapore | not available |

## Crypto

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Supported assets | only in the app |  | wirexone.freshdesk.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Number of supported assets | unknown |  |  |
| Top-up networks | only in the app |  | wirexone.freshdesk.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Spending order | unknown |  |  |
| Fiat top-up | Yes |  | wirexone.freshdesk.com (checked 29 Oct 2026 · verified 28 Oct 2026) |

## Trust

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Issuer / BIN sponsor | Wirex Limited |  | wirexapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Program manager | UAB Wirex |  | wirexapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Headquarters | Available in: United Kingdom |  | wirexapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Support channels | chat, email |  | wirexapp.com (checked 28 Oct 2026 · verified 28 Oct 2026) |

- Financial Conduct Authority · emi 902025 · GB [Register entry](https://register.fca.org.uk/s/firm?id=0010X000047SC0tQAG)

## Company and trust

- Brand on record since 10/2015
- Domain since 06/2015

### Issuer

- Wirex
- Issues 4 card programmes in our catalogue

### Transparency

- Transparency 70 %
- 2 of 18 key values not published
- Imprint / company details: no
- Public fee schedule: yes
- Cardholder agreement: no
- Terms and conditions: yes
- Terms with version or date: yes
- Sources last checked 2026-10-30

## How the score is made up

58.22 of 100 · average. Weighted sum of the criteria, each 0 to 100 from proven values. A criterion without data is not scored and counts neutral, not as 0.

| Criterion | Weight | Part (0–100) | Points |
| --- | --- | --- | --- |
| Costs | 25 % | 75 | 18.7 |
| KYC and privacy | 20 % | 35 | 7.0 |
| Features | 15 % | 90 | 13.5 |
| Availability | 10 % | 48 | 4.8 |
| Rewards | 10 % | 10 | 1.0 |
| Trust | 10 % | 83 | 8.3 |
| Community | 10 % | not scored | counts with the median (5.0) |

## News

Recent news about Wirex from the press and the provider's own channels, rated automatically.

- 28 Oct 2026: [Wirex to Host New Stablecoin Infrastructure Conference, Full Stack London](https://www.wirexapp.com/post/wirex-to-host-new-stablecoin-infrastructure-conference-full-stack-london) (wirexapp.com) — Neutral. Wirex is hosting a closed-door stablecoin infrastructure conference, with no stated change to its card or app terms.

Headlines link to the original article. Sentiment and severity are an automated assessment of headline and summary, not a statement of fact; we do not store the articles.

## Changelog

- 30 Oct 2026: Score changed from 55.69 to 58.22.
- 30 Oct 2026: Score changed from 55.58 to 55.69.
- 29 Oct 2026: Changes to limits.
- 29 Oct 2026: Score changed from 57.21 to 57.91.
- 29 Oct 2026: Changes to licences.
- 29 Oct 2026: Score changed from 58.45 to 57.21.
- 29 Oct 2026: Changes to licences.
- 28 Oct 2026: Score changed from 58.34 to 58.26.
- 28 Oct 2026: Score changed from 58.77 to 58.26.
- 28 Oct 2026: Score changed from 67.1 to 58.77.
- 28 Oct 2026: Score changed from 65.6 to 67.1.
- 28 Oct 2026: Changes to KYC levels and requirements.
- 28 Oct 2026: Score changed from 64.6 to 65.6.
- 28 Oct 2026: Changes to licences.
- 28 Oct 2026: Changes to reward programmes.
- 28 Oct 2026: Changes to KYC levels and requirements.

Found an error or a missing value? Report it with a source: https://cryptocardss.com/en/wirex-card-eea/report-an-error/

---

- **Canonical URL:** https://cryptocardss.com/en/wirex-card-eea/
- **As of:** 30 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 30 Oct 2026, https://cryptocardss.com/en/wirex-card-eea/