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Wirex review
Mastercard · custodial · last checked 2026-07-04
Wirex is a custodial Mastercard with plan tiers from free to $29.99/month. The pitch is 0% FX in supported corridors and WXT cashback from 0.5% up to 8% — but the top rates require both a WXT stake and the paid plan, so read the headline number carefully.
Issue fees are $0 (stated). ATM withdrawals are free up to a monthly cap that depends on your plan.
Fee
Amount
Verified
Virtual card issue
$0
statedPhysical card issue
$0
statedMonthly
$0-29.99 by plan
statedTop-up
varies
statedFX
0% in supported corridors
statedATM
free to monthly cap by plan
stated✓ = we paid it ourselves · “stated” = from Wirex’s pricing page, not yet tested · how we verify
Cashback / rewards (stated)
0.5-8% WXT; top rates need WXT stake + paid plan
Good
Free virtual and physical cards (stated)
0% FX inside supported corridors (stated, limits apply)
Free plan available
Not good
Headline 8% cashback is locked behind €29.99/mo plan + WXT stake
FX limits are easy to hit
Mostly EEA/UK/APAC availability
Wirex
last checked 2026-07-04