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Wirex review

Wirex
VirtualPhysicalVisaMastercardPassport+POA
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Wirex is one of the earlier consumer crypto cards, and its help center publishes fees and limits by region (UK, EEA, APAC, Singapore, Australia and other). The virtual card is free, the plastic card is free apart from delivery, the metal card is 45 GBP, and ATM withdrawals are free within a monthly allowance and 2% above it.

Pros

  • Free virtual card
  • ATM allowances and limits published per region
  • Top up with fiat or crypto
  • Physical delivery to Hong Kong, Taiwan, Singapore and more

Cons

  • Verification needs proof of address and source of funds
  • Not built for multi-card ad use
0 USDIssuance
≥0.0%Total cost
—FX fee
—Daily limit
Verdict: An established crypto card with clear ATM and limit rules, but spending fees have to be checked in the app.

Card overview

Fees

Virtual issuance
0 USD
ATM
Free within the monthly allowance (200 GBP UK and other, 200 EUR EEA, 200 SGD APAC/SG, 400 AUD Australia), 2% above

Limits

Bulk issuing
Not supported

Card info

Network
Visa, Mastercard
Website
wirexapp.com

Funding

Assets
Crypto, Fiat (SEPA, Faster Payments, ACH, PIX)

Virtual card free; plastic physical card free but delivery is charged (5 GBP UK local, 15 GBP international), metal card 45 GBP; local-card top-ups cost 0% or more depending on currency and region, while SEPA, Faster Payments, ACH and PIX are free; a one-off 30 GBP administrative fee for accounts breaching the terms

Max purchase 30,000 EUR; monthly purchases 30,000 EUR (virtual and plastic) / 75,000 EUR (metal); ATM 500 EUR per day, 5,000 EUR per month; limits may vary by region or currency

Data basis: General fee page (UK / EEA / APAC / SG / AU / Other)

KYC requirements

Documents and regions

Passport + proof of address
✓ Accepted

Official verification covers identity, address and source of funds; physical-card delivery fees list the UK, EEA, Hong Kong, Singapore, Australia, New Zealand, the Philippines and Taiwan, not mainland China

help.wirexapp.com · 2026-11-10

Its weak spot is the spending side: card spending and FX percentages are not given on the pages read — Wirex only says all fees are shown before you confirm a transaction. Verification covers identity, address and source of funds, a higher bar than passport-only cards. Physical-card delivery covers Hong Kong, Taiwan, Singapore, the Philippines and others but not mainland China, though the official pages don't state outright whether mainland China is restricted.

What 1,000 USDT buys

Open one virtual card, top up 1000 USDT once (1 USDT = 1 USD) and spend it over 10 purchases; spendable amounts at USD and non-USD merchants, on-chain gas excluded.

① Issuance fee: 0.00 USD
② Top-up fee: 1000 × 0% = 0.00 USD
③ Card balance: 1000 − 0.00 − 0.00 = 1,000.00 USD
④ Spendable at a USD merchant: 1,000.00 ÷ (1 + 0%) = 1,000.00 USD
⑤ Spendable at a non-USD merchant: 1,000.00 ÷ [(1 + 0%) × (1 + 0%)] = 1,000.00 USD
Total cost: USD merchant 0.00% / non-USD merchant 0.00%

Who it suits

Suits: Individuals holding both fiat and crypto who want a physical card

Not for: Ad teams; users wanting cheap USDT-funded subscriptions

Checklist before you apply

  1. Check your residence: Confirm in writing with support that your residence is supported.
  2. Prepare documents: Passport+POA.
  3. Check the live fee preview in the app before opening.
  4. Use the right network: it must match the deposit page when withdrawing from an exchange.
  5. Start small: top up only enough for one purchase first, and confirm arrival, charges and refunds work before adding more.

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FAQ

Can mainland China residents apply for Wirex?

Official verification covers identity, address and source of funds; physical-card delivery fees list the UK, EEA, Hong Kong, Singapore, Australia, New Zealand, the Philippines and Taiwan, not mainland China Confirm with official support before applying.

How much does it cost to open a Wirex card?

Virtual card issuance 0 USD, physical card —, monthly fee —.

Can Wirex be used for Meta / Google / TikTok ads?

The issuer makes no specific statement on ad platforms; prefer a card that officially supports ad payments.

How much can I actually spend from 1,000 USDT on Wirex?

On official fees, about 1,000.00 USD at a USD merchant and 1,000.00 USD at a non-USD merchant (upper bound).

How can I top up Wirex?

assets: Crypto, Fiat (SEPA, Faster Payments, ACH, PIX).

Affiliate linkOpen a Wirex card

Checked 2026-11-10 · help.wirexapp.com

A U-card is only for passing payments through: top up only what you will spend, and never keep a large balance on the card.