Wirex Card EEA
Wirex
Wirex is a crypto neobank present in more than 130 countries, with a mature banking-as-a-service infrastructure and cashback of up to 8% paid in WXT tokens. While FX is formally 0%, a hidden crypto spread of 1–2.5% applies, and the value of the cashback depends on the WXT token.
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | dedicato · LT |
| Multi-currency | Yes · 9 currencies |
| Outbound transfers to third-party IBANs | Yes |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| SEPA transfer | Free |
| Interest on balance | 16% |
| ATM withdrawal | not declared |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA, UK, APAC, LATAM · 130+ countries |
| Regulator | Bank of Lithuania |
| OAM Italy registration | Yes |
| Segment | B2C |
| MiCA / License status | VASP LT + EMI partner VASP registrato (Bank of Lithuania) |
Plans & pricing
Standard
- Price
- Free
- Issuance fee
- Free
- Cashback
- 0.5%
- Cashback currency
- WXT
- Required staking
- Nessuno
- ATM fee
- 2%
- ATM limit
- €200/mese gratis, poi 2%
- Net annual cost
- Free
- Cryptoback 0.5%
- X-Accounts base
- 9 fiat
Card issuance free, EEA delivery €5 (€15 express). Wirex applies its own exchange rates, which vary by currency pair: no fixed percentage markup is published.
Premium
- Price
- €10
- Issuance fee
- Free
- Cashback
- 1%
- Cashback currency
- WXT
- Required staking
- Nessuno
- ATM fee
- 2%
- ATM limit
- €200/mese gratis, poi 2%
- Net annual cost
- €102
- APY maggiorato
Card issuance free, EEA delivery €5 (€15 express). Wirex applies its own exchange rates, which vary by currency pair: no fixed percentage markup is published.
Elite
- Price
- €30
- Issuance fee
- Free
- Cashback
- 8%
- Cashback currency
- WXT
- Required staking
- 7.500.000 WXT bloccati per 180 giorni
- ATM fee
- 2%
- ATM limit
- €200/mese gratis, poi 2%
- Net annual cost
- €306
- Up to 8% (4% base; 8% with 7.5M WXT locked)
- 0% FX
Card issuance free, EEA delivery €5 (€15 express). Wirex applies its own exchange rates, which vary by currency pair: no fixed percentage markup is published.
Strengths
- 130+ countries; mature BaaS; up to 8% WXT cashback.
- No notable sovereignty advantage documented.
Weaknesses
- Hidden 1–2.5% spread; cashback value depends on WXT.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (VASP registrato (Bank of Lithuania)): reporting to authorities and freezes on order.
Verdict
One of the highest ratings reflects maturity: presence in more than 130 countries, an established BaaS infrastructure, a solid licence under the Bank of Lithuania and OAM registration in Italy. The catch for the careful user is that the 0% FX hides a 1–2.5% crypto spread and the up-to-8% cashback is paid in WXT tokens, so the real value depends on the token's price.
Through this lens it is among the worst: custodial, full KYC and bottom privacy (2/10). It is a fully centralized, regulated neobank, the opposite of the self-custody, censorship-resistant model that matters to the crypto-native user.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Wirex Card EEA a real bank?
Wirex Card EEA operates under a VASP LT + EMI partner licence. Fund protection: safeguarding — no deposit guarantee.
Can I send transfers to third-party IBANs with Wirex Card EEA?
The ability to send transfers to third-party IBANs is not documented; check the official website.
Does Wirex Card EEA support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does Wirex Card EEA support?
Wirex Card EEA supports 9 fiat currencies. Multi-currency accounts: supported.
Can I withdraw crypto on-chain from Wirex Card EEA?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page SEPA fee · SWIFT fee · On-chain crypto withdrawals · Plans & pricing · +4 Data verified on Jul 23, 2026
- spendnode.io Data verified on Jul 10, 2026
- crunchbase.com Stock ticker · Stock listing · IPO date Data verified on Jun 15, 2026
- help.wirexapp.com Plans & pricing · Cashback Data verified on Jun 15, 2026
Show 9 more sources
- canvasbusinessmodel.com Issuer Data verified on Jun 14, 2026
- find-and-update.company-information.service.gov.uk Issuer Data verified on Jun 14, 2026
- pitchbook.com Issuer Data verified on Jun 14, 2026
- cryptocardcompare.io Trustpilot reviews · Monthly fee Data verified on Jun 13, 2026
- cryptoreview.co.uk Deposit guarantee · Past incidents · Third-party audit Data verified on Jun 13, 2026
- earnpark.com Savings interest Data verified on Jun 13, 2026
- prnewswire.com OAM Italy registry Data verified on Jun 13, 2026
- take3.io Founders Data verified on Jun 13, 2026
- wirex.com Plans & pricing · Regulatory framework Data verified on Jun 13, 2026
Update history
- Official URL updated to wirexapp.com: wirex.com no longer responds (connection refused as of 23/7/2026), while wirexapp.com is active and also hosts the help center and promo pages already cited in the sources.
- Currency exchange clarified: Wirex does not publish a fixed markup (it applies its own rates, varying by pair), so the 0% previously shown was not a verifiable figure. Card delivery in the EEA: €5 standard, €15 express.
🔔 Notify me of changes
~$30 in WXT on your first deposit (via invite)
Invite code only: ~$30 in WXT for a deposit above $500 (tiers: $10 over $100, $30 over $500, $60 over $1,000). The reward is paid in WXT, an illiquid and volatile token: once converted to euros the real net is lower than the nominal value. EEA residency required (Italy included; Cyprus and Liechtenstein excluded).