Tria
Self-custodial Visa crypto card with one-time tier fees and no monthly cost.
Last checked: 2026-06-22
- Self-custody-focused crypto spenders
- Users comparing crypto card reward and travel-perk models
Review
Wirex
Wirex combines fiat and crypto balances with virtual and physical card options in many regions. It is useful for comparing crypto-plus-fiat travel wallets, but fees, limits, rewards and supported features differ by region and plan.
Last checked: 2026-06-22Overall: 4/5Fees: 3/5Travel: 4/5
Not financial advice
Crypto cards are not bank deposits. Check official terms, custody model, issuer availability and compliance requirements before loading funds.
Best for
- Mixed fiat and crypto card wallet comparisons
- Users who want published ATM allowance tables
Avoid if
- Users who need identical terms across countries
- Users who want rewards without plan complexity
Summary verdict
- Crypto and fiat card wallet with regional fee and limit tables.
- Wirex consumer-card custody should be reviewed in current terms because Wirex also publishes separate BaaS non-custodial documentation.
- Keep at least one backup provider for critical trips or payouts.
Availability
Region-dependent
Wirex states 130+ countries; card support varies by country row
Supported-country and feature tables differ for account, crypto account, card top-up and card availability.
Card and payments
- Type
- Virtual + physical
- Custody
- Hybrid
- KYC
- Required
- Apple Pay
- Yes
- Google Pay
- Yes
Watchout
- Card limits and availability vary materially by region.
- Exchange and rewards terms can change and may be app-specific.
Fees and limits
| Issue | Free card issuance listed in general fee table |
|---|---|
| Monthly | Standard plan free; paid Elite plan about 29.99 USD per month for higher rewards and ATM limits |
| Annual | No annual card fee found in checked fee table |
| FX | Wirex advertises 0% FX markup on in-app exchange; exact spread per currency pair is shown at quote time |
| ATM | Free monthly ATM allowance (about GBP/EUR 200 on Standard, up to ~1,000 USD on Elite), then 2% |
| Spend | Fiat bank transfers may be free in listed rails; crypto external withdrawals have network-variable fees |
| Limits | Card limits vary by region; EEA table includes EUR 30,000 max purchase and EUR 500 daily ATM withdrawal for plastic/metal |
How it works
- Virtual and physical cards
- Spend crypto, stablecoins and fiat
- Visa or Mastercard acceptance stated in help center
Pros
- Broad regional tables for countries, fees and limits
- Works as a mixed fiat and crypto wallet comparison point
Cons
- Fees and exchange costs can be app-specific
- Rewards depend on price plan and WXT-related terms
Risks / compliance notes
- Card limits and availability vary materially by region.
- Exchange and rewards terms can change and may be app-specific.
Official sources
Verified from official pages: Wirex fees
Data confidence
- Source checked
- 2026-06-22
- Data confidence
- High
- Review status
- Fresh
- Wirex consumer-card custody should be reviewed in current terms because Wirex also publishes separate BaaS non-custodial documentation.
Alternatives
4/5
Nexo Card
Dual-mode crypto card for eligible European users.
Last checked: 2026-06-22
- Existing Nexo users in eligible European countries
- Users comparing dual credit/debit crypto card models
Gnosis Pay
Self-custodial Visa debit card spending stablecoins from a Safe account.
Last checked: 2026-06-22
- EEA, UK and Swiss users who want self-custodial stablecoin spending
- Users comfortable managing a Safe smart account
Popular head-to-head comparisons
Related next steps
FAQ
Are Wirex fees the same everywhere?
No. Wirex publishes region-specific fees, limits and supported-country tables. Check the app and the country row that applies to your residence.
Can a crypto card replace a bank account?
No. Treat it as a specialized spending tool and keep regulated backup accounts for essential money.
What should I verify first?
Issuer support, KYC rules, custody model, spending fees, ATM costs, card network support and current reward terms.