United Kingdom
Australia
Singapore
United States
activeFeaturedCrypto cardExchange
- HQ
- Singapore
- Fee
- Card tiers gated by CRO stake (terms change — verify)
Wirex
The original crypto card, still issuing in more places than you think.
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7.1Solid
AlternativesFive questions
At a glance
Is it a bank?
No. Wirex is not a bank. Your money sits with Wirex programme / BIN sponsor.
If it fails?
EMI safeguarding on fiat e-money; crypto is separate
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Free + paid X-tras
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
7.1
/10 · Solid
The veteran. Check whether your country still gets a card before you switch.
What it is
Wirex is a London EMI that pioneered crypto cards. Fiat e-money is safeguarded; crypto is not. It remains a sane UK-adjacent alternative to stadium-named apps.
Best for: UK/EU users who want a long-running crypto card with an EMI wrapper on fiat.
Last checked 2026-08-01. Not advice.
What it does well
- +Longevity
- +EMI fiat sleeve
- +Card issuing history
What to watch
- −Quieter than Crypto.com
- −Rewards complexity
Who holds the money
The account
How money actually moves
- Who holds the cash
- EMI safeguarded funds
- How money moves
- ACH / USD · Faster Payments · Crypto on-ramp
- Built for
- Travel
- Settlement
- Card auth in seconds
- Freeze risk
- Compliance holds on fiat ramps are common
- Card
- Wirex lists a physical card and a virtual card and a metal card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
EMI safeguarding on fiat e-money; crypto is separate
Who holds the money: Wirex programme / BIN sponsor
- FCAEMI (UK) · United Kingdom
Fees
- Monthly
- Free + paid X-tras
- FX markup
- Crypto sell + scheme FX
- ATM
- Fair-usage then fees
Features
- –IBAN
- ✓Fee-free core
- ✓Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- ✓Metal card
- ✓Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- Crypto and fiat card
- Cryptoback
- Accounts
- Metal
Score
- Safety25%
- 6.8
- Fees20%
- 7.2
- Features15%
- 7.6
- App15%
- 7.2
- Global15%
- 7.4
- Support10%
- 6.4
Change log
Full logNo dated notes yet. When the licence, fees, or status moves, it lands here.
Available in
Straight answers
FAQ
01Is Wirex a bank?
No. Wirex is filed as EMI (UK). The money sits with Wirex programme / BIN sponsor.
02What happens to money in Wirex if it fails?
EMI safeguarding on fiat e-money; crypto is separate
03What does Wirex charge each month?
The monthly fee on this file is Free + paid X-tras. Fees change — open the operator's pricing page if it is linked.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
Alternatives
activeFeaturedCrypto card
- HQ
- Hong Kong
- Fee
- Free virtual
activeFeaturedNeobankCrypto card
- HQ
- London
- Fee
- Free