Kem Card vs Wirex Card EEA
On cashback Wirex Card EEA wins (up to 8%). In our editorial rating Wirex Card EEA leads (4.3 vs 3.0). In short: Kem Card if your usage matches its strength, Wirex Card EEA otherwise — the numbers above beat any slogan.
| Kem Card | Wirex Card EEA | |
|---|---|---|
| Tier | C | A |
| Rating | ★ 3.0 | ★ 4.3 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| Multi-currency | USD | Yes · 9 currencies |
| Network | Visa | — |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | US, EEA, UK, LATAM | EEA, UK, APAC, LATAM · 130+ countries |
| Regulator | Repubblica Ceca (autorita di vigilanza VASP) | Bank of Lithuania |
| Segment | B2C | B2C |
| IBAN | — | dedicato · LT |
| Outbound transfers to third-party IBANs | — | Yes |
| Utility direct billing | — | No |
| SEPA direct debit (SDD) | — | No |
| SEPA transfer | — | Free |
| Interest on balance | — | 16% |
| OAM Italy registration | — | Yes |
| Regions | US, EU/EEA, UK, LATAM | EU/EEA, UK, APAC, LATAM |
| Licences & safety | VASP registrato in Repubblica Ceca (Kemfinity s.r.o., Company No. 221 62 194) | VASP LT + EMI partner |
Frequently asked questions
Kem Card vs Wirex Card EEA: which is better?
On cashback Wirex Card EEA wins (up to 8%). In our editorial rating Wirex Card EEA leads (4.3 vs 3.0). In short: Kem Card if your usage matches its strength, Wirex Card EEA otherwise — the numbers above beat any slogan.
Which is cheaper, Kem Card or Wirex Card EEA?
On the standard spending profile Kem Card has the lowest net annual cost: €0 versus €0 for Wirex Card EEA.
Which offers more cashback, Kem Card or Wirex Card EEA?
Wirex Card EEA has the highest cashback: up to 8%. Note the top rate often requires token staking and is subject to spending caps.
Is Kem Card custodial or self-custody?
Kem Card is custodial: funds are held by the platform, while Wirex Card EEA is custodial.
Which is better for spending abroad?
For foreign-currency spending Wirex Card EEA wins, with the lowest FX markup: 0%.