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PRODUCT
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Crypto cards

Wirex One

Visa/Mastercard debit with five levels in DE/AT/CH: custodial, no subscription in Base, saveback 0.5% entry - cap scaled via WPAY × 7%/Mon.

Visa/MastercardCustodialDE/AT/CH5 tiers

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Manufacturer's website
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Status: 15.08.2026

Compare

Wirex One ↔ Nexo CardIn comparison

At a glance

Net
Visa/Mastercard
Card type
Debit
Custody
Custodial

program

Stages in the program

Wirex One: Stages in the program from the crypto card catalog
criterionWirex One BaseVirtualWirex One PremiumPlasticWirex One ElitePlasticWirex One PrivateMetalWirex One BespokeMetal
NetNetwork: Visa or Mastercard. “Both” in research meets the Visa or Mastercard filter.Visa/MastercardVisa/MastercardVisa/MastercardVisa/MastercardVisa/Mastercard
Card typeCard type: Debit debits credit/account. Prepaid is loaded beforehand. Mixed = Debit and Credit variants in one SKU line.DebitDebitDebitDebitDebit
CustodyCustody: Custodial = credit on the provider account. Non-custodial = card on a wallet, not on the exchange account.CustodialCustodialCustodialCustodialCustodial
DE / AT / CHGermany, Austria and Switzerland: Documented edition in DE, AT or CH. Unknown policy is not a filter option.DE/AT/CHDE/AT/CHDE/AT/CHDE/AT/CHDE/AT/CH
Apple/Google PayApple/Google Pay: Hard Research Line. A help text “2025 is coming” does not count as yes.✓✓✓✓✓
FXFX: Provider's surcharge when paying in foreign currency, plus target currency if used. Spread when changing assets is not 0-%-FX. Visa rate = network rate without extra markup.0% markup0% markup0% markup0% markup0% markup
Withdraw moneyWithdrawing money (ATM): Fees and limits for cash at ATMs. “Unknown” / — is not a free acceptance.$ 100/mo$ 250/mo$ 750/mo$ 2500/mounlimited
CapCap: Upper limit or scale of this SKU (month, AI band, flight). No cap in the cell does not mean “unlimited” if the policy is unknown.WPAY × 7%/MonWPAY × 7%/MonWPAY × 7%/MonWPAY × 7%/MonWPAY × 7%/Mon
SavebackSaveback: Rate of this SKU — not the marketing cap. One number per column for sorting to work.0.5%1%3%5%8%
Cash outCashout: In which asset the saveback refund arrives - e.g. E.g. same spend crypto, USDC, BTC, CRO or recurring investment plan. Not automatically Euro/Fiat.USDUSDUSDUSDUSD
Card costsCard Cost: Issue or subscribe to this SKU. Month × 12 = Year. EUR 0 only with an officially free edition - “no subscription” is not a 0. Mandatory lock or hold (CRO, XPL, WPAY) is in the cell with the amount - this is not a sorting price. Tickers lead to CoinMarketCap.no subscription≥$ 500 · ≥1% WPAY≥2,5k $ · ≥3% WPAY≥25k $ · ≥5% WPAY≥50k $ · ≥10% WPAY

Overview

Editorial assessment

Wirex One is the custodial Visa/Mastercard debit crypto card program with five levels — Base, Premium, Elite, Private and Bespoke — in DE/AT/CH. No subscription in Base; Saveback starts at 0.5% and goes up to 8% in Bespoke. Caps follow the formula WPAY × 7%/Mo — the cap is linked to token holdings, not to a fixed Euro cap or CRO lock. Dual network Visa/Mastercard is documented and distinguishes Wirex from pure Visa or Mastercard individual lines.

FX 0% Markup in all columns. Premium from ≥$ 500 and ≥1% WPAY; Elite and above require larger holdings; Bespoke from 50k $. Saveback payout in USD; ATM $ 100/mo in Base to unlimited in Bespoke. Apple Pay and Google Pay are occupied. Higher levels are not free: WPAY share and minimum holdings belong to the column. Rate and cap formula must be read together — 0.5% in Base with WPAY cap is a different profile than Bespoke.

Custodial and WPAY centering distinguish Wirex from CRO or Hold models. Token holdings determine the saveback cap; without WPAY the cap remains tight. FX 0% markup is documented equally in all columns and belongs in everyday calculations alongside saveback.

In Direct comparison Nexo Card vs Wirex One Saveback, FX and custody of the entry levels are in direct comparison - without ranking.

The offers four visa levels with CRO ecosystem Crypto.com Prepaid Card. Base to Bespoke — Caps, FX and WPAY-Hold per column in the tier table under the profile.

Compare alternatives

02

Pros

  • 5 stages in the same program
  • No monthly card subscription at the entry level
  • FX: 0% Markup
  • Apple Pay / Google Pay

Cons

  • Saveback at entry level 0.5%
  • Saveback cap: WPAY × 7%/Mon
  • Higher levels are not free (Wirex One Premium, Wirex One Elite)
03

Suitable for whom?

  • If you want to get by without a monthly card subscription (no subscription - this is not a documented € 0 expenditure).
  • If entry level saveback is important to you (0.5%).
  • Recorded country scope: Germany, Austria and Switzerland (DE/AT/CH). This is separate from spending abroad.
  • If you are looking for low FX markup (0% markup).

Who is it not for?

  • If you want to hold keys yourself - custody is custodial.
  • If you expect unlimited saveback — Cap: WPAY × 7%/Mo.

Guides

Sources & notes

Review details3 Sources · Methodology

You can also find the sources for individual information directly in the respective characteristics area.

  1. Wirex One litepaperWirex · retrieved 2026-08-15
  2. Wirex supported countriesWirex · retrieved 2026-08-15
  3. Wirex supported countries (docs)Wirex · retrieved 2026-08-15

For the complete methodology