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Please note, Wirex is not available for U.S. residents at this time.
With a Wirex Visa Card, you’ll earn up to 1.5% cryptoback on in-store purchases. You’ll also get up to a $10 Bitcoin bonus for every person you successfully refer to Wirex. Each of your referrals will enjoy a $10 Bitcoin welcome bonus with your invite. Find more referral deals here.
Click here for more free Bitcoin bonuses and other cryptocurrency promotions. Top crypto exchanges compared here.
Wirex lets their customers store, transfer and exchange between cryptocurrencies and traditional currencies. They also provide a Visa debit card so you can easily shop in-store and online with both your digital and fiat funds. For more on Wirex and their current offers, keep reading.
Wirex Up To 1.5% Cryptoback
Earn up to 1.5% back in Bitcoin on all in-store purchases when you use your Wirex Visa Card (more on that later). Your cryptoback rate depends on your account type. Rewards are instantly paid in Satoshis to your Wirex account. Once you receive your free BTC, you can do whatever you want with them.
Wirex Give $10, Get $10 Referral Program
Earn up to $10 in Bitcoin when you tell your friends and family about Wirex, and they sign up for an account with your invite. Each of your referrals will also earn a $10 bonus in Bitcoin. Here’s how the referral bonus breaks down:
- Get $5 in BTC when your referral buys 100 USD of crypto using a credit or debit card.
- Get another $5 in BTC when your referral uses their Wirex Visa Card in-store for the first time.
Like your cryptoback rewards, referral bonuses are instantly paid in Satoshis to your Wirex account, and you’re free to use your bonus as you wish.
There is no limit to how many people you can invite to join Wirex, nor a limit on how much in referral bonuses you can earn. See their referral terms.
We don’t have a personal referral link to share. But, you can try one of these below:
- https://wirexapp.com/r/Arcalia
- https://wirexapp.com/r/Neeks
- https://wirexapp.com/r/i6le8mptoo
- https://wirexapp.com/r/VinceUk
- https://wirexapp.com/r/59aqyfjnyt
Wirex Features
Wirex works like any other online bank account. You can register with your phone, and it comes with a debit card so you can easily spend the funds you have in your account.
One glaring difference between Wirex and a traditional bank, however, is that Wirex allows you to store and spend digital currencies seamlessly, in addition to multiple traditional currencies.
Wirex Current Account
Your Wirex current account allows you to buy, store and exchange digital and traditional currencies wherever you are in the world, at whatever time. They feature:
- Customization within the app. Choose which accounts you want to see and hide the rest.
- Several funding options. Use a debit or credit card, or do UK bank, SEPA, SWIFT or crypto transfer.
- High limits. With no hidden charges and free fiat-to-fiat exchange (more on fees and limits later).
- Instant in-app notifications. So you can stay on top of tracking and managing your money
Supported cryptocurrencies in the European Economic Area (EEA) include:
- Bitcoin (BTC)
- Dai (DAI)
- Ethereum (ETH)
- Litecoin (LTC)
- Nano (NANO)
- Ripple (XRP)
- Stellar (XLM)
- Waves (WAVES)
- Wollo (WLO)
- Wirex Token (WRX)
Supported fiat currencies in the EEA include:
- AUD (Australian Dollar)
- CAD (Canadian Dollar)
- EUR (Euro)
- CHF (Swiss Franc)
- CZK (Czech Koruna)
- GBP (British Pound)
- HKD (Hong Kong Dollar)
- JPY (Japanese Yen)
- MXN (Mexican Peso)
- SGD (Singapore Dollar)
- USD (US Dollar)
Please note, you won’t be able to add USD to your Wirex account if you’re not a resident of an EU country. To see what’s available in your country, check out this page.
Wirex Debit Card
The multi-currency Wirex Visa Card lets you pay at over 54 million outlets worldwide, without exchange fees or hidden charges. It does everything seamlessly at the point of sale, quickly converting digital currency to fiat at the live rate and paying for the purchase in traditional currency. The process transpires in a matter of seconds. And, as we mentioned earlier, you’ll earn Bitcoin rewards with every in-store purchase.
We like that the Wirex debit card also:
- Lets you access more than 150 currencies.
- Lets you pay in the local currency, avoiding unnecessary bank charges and fees.
- Lets you access ATMs worldwide, for free.
- Instantly exchanges fiat-to-fiat for free.
Wirex allows you to have up to three debit cards, one in GBP, EUR and USD each.
Wirex Token (WXT)
Wirex Token (WXT) is the Stellar-based native token issued by Wirex. The more WXT you hold inside your Wirex account, the more benefits you unlock:
| WXT | FEE DISCOUNT | ENHANCED CRYPTOBACK |
| 50,000 WXT | 25% | 0.75% |
| 100,000 WXT | 50% | 1.00% |
| 500,000 WXT | 100% | 1.50% |
Other benefits include:
- Free access to Wirex Premium or a free Wirex Premium Card
- Exclusive merchant offers
- Airport lounge access
- Travel insurance
Wirex Fees & Limits
*Please note, the fees and limits below apply to the EEA.
Wirex does not charge any account maintenance fees for traditional and digital currencies. Card issuance and standard delivery is free. However, there is a 1.50 USD charge for card maintenance every month. Other fees include:
Deposit & Transfer Fees
| Digital currency external card top-up | 1% |
| Traditional currency external card top-up | FREE |
| SEPA (in) | FREE |
| SEPA (out) | FREE |
| Faster payments (in) | FREE |
| Faster payments (out) | FREE |
| SWIFT (in) | FREE |
| SWIFT (out) | 15 USD |
| Digital currency (in) | FREE |
| Digital currency (out) | FREE, blockchain fees apply |
| Internal (in) | FREE |
| Internal (out) | FREE |
Exchange Fees
| Digital currency | OTC rates + commission |
| Traditional currency (FX) | FREE |
Card Transaction Fees
| In-store (POS) | FREE |
| Online (ePOS) | FREE |
| ATM (EEA) | 2.50 USD |
| ATM (International) | 3.50 USD |
| FX | 3% |
Wirex has no limits for maximum balances and exchanges, but they do place the following limits:
Deposit & Transfer Limits
| Credit/debit card top-up, confirmed | 5,000 USD/day |
| Credit/debit card top-up, unconfirmed | 50 USD/day |
| SEPA (in) | 50,000 USD/transaction, 500,000 USD/day |
| SEPA (out) | 50,000 USD/transaction, 500,000 USD/day |
| Faster payments (in) | Unlimited |
| Faster payments (out) | 3,000 GBP/transaction, 3,000 GBP/day |
| SWIFT (in) | 50,000 USD/transaction, 500,000 USD/day |
| SWIFT (out) | 50,000 USD/transaction, 500,000 USD/day |
| Digital currency (in) | Unlimited |
| Digital currency (out) | 10,000 USD/transaction, 50,000 USD/day |
Card Transaction Limits
| Card Spend | 10,000 USD/transaction, 10,000 USD/day |
| ATM | 250 USD/day |
Wirex Limitations
Wirex is available in 37 countries, such as the UK, Europe and Singapore. Although it will be in the near future, Wirex is currently not available in the United States. Other limitations include:
- A 1.50 USD fee per month for account maintenance.
- ATM withdrawal fees are high, 2.50 to 3.50 USD per withdrawal.
- Purchases in foreign currencies are subject to a 3% fee.
- No phone-based customer support.
Bottom Line
A crypto-friendly account with decent fees, Wirex should be something you consider if you’re a world traveler, online shopper or crypto trader. It allows you to buy, store and exchange digital currencies as well as traditional currencies, eliminating the barrier between crypto and fiat and letting customers spend their digital coins in shops and restaurants around the world. Plus, you can earn up to 1.5% cryptoback, as well as $10 in Bitcoin bonuses for every successful referral you make.
However, Wirex is not available to U.S. residents at this time. Instead, check out Crypto.com. It offers a variety of products, including a wallet, Metal Visa cashback cards, crypto dividends, credit for instant crypto loans, along with investment and payment options. Crypto.com is offering several promotions at the moment. Check out all Crypto.com offers here.
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Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Disclaimer: These responses are not provided or commissioned by the bank advertiser, credit card issuer, hotel, airline or other entity. Responses have not been reviewed, approved or otherwise endorsed by any of the entities included within the post. It is not the bank advertiser's or any other entity's responsibility to ensure all posts and/or questions are answered.