Our Official Verdict
The Free Travel Essential: 0% FX Fees Worldwide
The Standard Wirex card is the perfect backup for any traveler. With Free fees and zero FX markup, it's cheaper to use abroad than most traditional bank cards, even with the modest 0.5%% cashback rate.
Overview
The foundational Wirex card. 0.5% cashback and 0% FX fees with no monthly subscription required.
Fees & Charges
Annual Fee
Free
FX Fee
0%
ATM Fee
2%
Requirements
Supported Regions
EEA, UK, APAC
Spendable Assets
WXT, BTC, ETH, USDC, USDT
Wirex Standard Card Review
The Wirex Standard Card is a custodial Visa debit crypto card designed to let Wirex users spend digital assets in everyday purchases.
The Entry-Level Wirex Card
The Wirex Standard Card is positioned as the entry-level tier in the Wirex lineup. Pricing, FX treatment, and rewards depend on the current plan schedule, so treat all costs as issuer-defined and verify them in-app.
Spending & Mechanics: Multi-Currency Access
- Network: Visa acceptance.
- Asset support: Managed in-app and subject to regional availability.
- Funding: Balance transfers and conversions are handled inside the Wirex app.
Fees Analysis: ATM Policy and FX Treatment
Wirex lists free ATM withdrawals up to 200 GBP/EUR per month with a 2% fee thereafter. FX and conversion costs vary by plan and should be confirmed in-app.
ROI Analysis: Cryptoback Positioning
Wirex markets a Cryptoback rewards program, but exact rates depend on your plan and region. Treat all reward rates as in-app disclosures.
Verdict
The Standard tier is best for users who want a straightforward entry point into Wirex with multi-currency access. Verify FX fees, rewards, and plan pricing in-app before relying on it for primary spending.
Fees and break-even math
Annual fee: Not disclosed; FX fee: Not disclosed; ATM fee: 2% after 200 GBP/EUR monthly allowance. With a 2% ATM fee, a $500 withdrawal costs about $10 if you exceed the free allowance. All numeric fee and limit figures referenced above are sourced from the issuer documentation listed below. Source: Issuer card page. Source: Issuer fee and limits.
Competitor comparison
Closest alternatives include the Crypto.com Visa Card and the Coinbase Card. Compare custody model, rewards caps, and FX fees before choosing.
Eligibility and onboarding notes
Expect standard KYC checks and region-based eligibility for Wirex card issuance. Limits and availability can change with partner banks, so confirm supported countries and account tiers before applying. If you are outside the core coverage area, treat availability as TBD until the issuer confirms.
