Wirex mobile app (in the wild!)

Wirex Card Review (2020)

Wirex Card Review (2020)
  • Ease of Use
  • Customer Support
  • Payment Options
  • Speed
  • Fees


I’ve been impressed by Wirex.

It’s a crypto-friendly account, which has EXTREMELY competitive fees, provides the market rate exchange rate, and a good user interface. Wirex now supports Bitcoin (BTC), Ethereum (ETH), Ripple (XRP), and an ever-growing list of other cryptocurrencies.

It’s definitely the best bitcoin debit card available in the UK and Europe.

Wirex is a crypto-friendly currency account. It allows you to store, transfer, and exchange between cryptocurrencies (e.g. Bitcoin) and fiat currencies (i.e. GBP, EUR, & USD).

With Wirex’s GBP Visa Debit card, you can also shop in-store and online.

Is it the best bitcoin debit card in the UK and EU? Check out this Wirex review to see why I love it.

Advantages & Disadvantages


  • Quick verification (< 5mins).
  • 4* Trustpilot rating (700+ reviews)
  • Hold a UK FCA e-money licence.
  • 24/7 customer support.
  • Buy and sell bitcoin (BTC), ether (ETH), litecoin (LTC), ripple (XRP), waves (WAVES), wollo (WLO), dai (DAI), nano (NANO), and stellar (XLM) at competitive rates.
  • Makes buying and sell supported cryptocurrencies really quick and easy.
  • Cashback (0.5% in satoshis) when you use your Wirex card (in-store only).
  • Contactless Visa Debit cards (issued and delivered for FREE).
  • Browser-based and mobile apps (iOS & Android).
  • Provide crypto-friendly business accounts too.


Who Are Wirex?

Wirex Review - Pavel Matveev and Dmitry Lazarichev

Pavel Matveev and Dmitry Lazarichev.

Wirex was established in late-2014 by Dmitry Lazarichev and Pavel Matveev. They’re based in the UK but have offices around the world. They were previously known as ‘E-Coin’ but rebranded in 2016.

Wirex has over 2.6 million users across over 150 countries, with more than 3000 new registrations every single day.

To sum up their mission statement, Wirex is aiming to.

  • Expand the availability of banking services.
  • Get more people involved in the ongoing financial revolution.
  • Remove the geographic limitations of finance.

Main Features

Crypto Features

Wirex Review - Nano Wallet Overview

  • Store bitcoin (BTC), ether (ETH), litecoin (LTC), ripple (XRP), waves (WAVES), wollo (WLC), dai (DAI), nano (NANO), and stellar (XLM) in their web wallets.
  • Send and receive from/to these cryptocurrency web wallets.
  • Buy and sell supported cryptocurrencies with GBP, EUR, and other fiat currencies at very competitive rates (about 1% above the real exchange rate).

Card Features

Wirex Review - Account Dashboard

Supported Countries

Wirex fully supports 32 countries, which includes the UK, Europe, and Singapore.

In the near future, Wirex cards will be available in the US too.

There’s partial support (i.e. without card features) in dozens of other countries. You can check what features are available in your country (or one that you’re visiting) here.

What countries are fully supported by Wirex?

  • Austria
  • Belgium
  • Bulgaria
  • Croatia
  • Cyprus
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hungary
  • Iceland
  • Ireland
  • Italy
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Malta
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Romania
  • Singapore
  • Slovakia
  • Slovenia
  • Spain
  • Sweden
  • United Kingdom

Supported Cryptocurrencies

You can buy, sell, and transfer the following cryptocurrencies on Wirex:

  • Bitcoin (BTC)
  • Ethereum (ETH)
  • Litecoin (LTC)
  • Ripple (XRP)
  • Waves (WAVES)
  • Wollo (WLO)
  • Dai (DAI)
  • Nano (NANO)
  • Stellar (XLM)

Supported Traditional (Fiat) Currencies

In addition to GBP, EUR, and USD accounts, Wirex now supports the following traditional currencies:

  • AUD (Australian Dollar)
  • CAD (Canadian Dollar)
  • CHF (Swiss Franc)
  • CZK (Czech Koruna)
  • HKD (Hong Kong Dollar)
  • JPY (Japanese Yen)
  • Mexican Peso (MXN)
  • SGD (Singapore Dollar)

How do I activate additional traditional (fiat) currencies in Wirex?

  • Go to Preferences > Accounts (top right of the dashboard)
  • Scroll down to Inactive Accounts.
  • Select the + symbol next to the currency you want to add.
  • Select Home in the left sidebar and you’ll see that currency in the Accounts Overview.

Payment Methods

You can fund your GBP account with:

  • Credit/debit cards (3D Secure)
  • UK bank transfer

I wouldn’t recommend using a credit card, as it’ll probably be considered a cash advance (not good). It’ll be simpler (and cheaper) to just use a debit card.

You can also withdraw GBP from your Wirex account via a UK bank transfer. These are processed through the Faster Payments Scheme, which means they should be processed quickly. For whatever reason, there’s not a reference field at the moment.

If you’re using a credit or debit card, you can top-up your account with £5000/€5000/$5000 per day.

Lower limits apply to UK bank transfers.

Daily LimitWeekly LimitMonthly Limit

The maximum card balance is £15000/€16000/$20000. The transfer might get bounced if you try to deposit more than that. However, your account balance (seperate from card balance) is uncapped.

Deposits with a debit or credit card are instant, but my bank transfers weren’t credited for about an hour (even though they support Faster Payments). I find that it’s quicker and easier to just use your debit card.

All EUR accounts are linked with an IBAN. This means that European residents can now fund their EUR accounts with a SEPA transfer too.


Wirex Card Fees

Wirex card fees are reasonable and competitive.

Setting up a Wirex account is FREE and getting a physical card issued and delivered is also FREE.

Unfortunately, there is a £1/€1.20/$1.50 per month account management fee. It’s not a significant amount, but it’s still an annoying consideration. Regardless of your account activity, you’ll pay this account management fee.

These are the other Wirex card limits and fees I picked out…

Fee or LimitCharge
ATM charge (in Europe)£1.75/€2.25/$2.50
ATM charge (outside Europe)£2.25/€2.75/$3.50
ATM withdrawals£250/€250/$250 per day
Cashback (in-store)£50 per day
Credit/Debit card top-up£5000/€5000/$5000 per day
Maximum card balance£15000/€16000/$20000
Daily Spend Limit£7500/€8000/$10000
Daily Transfer Limit$50000 per day

I wouldn’t make a habit of withdrawing cash with the Wirex card, as the ATM charge will add up.

If I needed the raw cash, I’d just transfer the funds to my main bank account, and then withdraw via that (without paying any fees).

More information available here.

Buying Bitcoin With Wirex

Wirex has competitive rates (and low fees) in the UK and Europe for BTC, ETH, XRP, and all other supported cryptocurrencies.

Wirex offers wholesale exchange rates when you buy bitcoin (which are very close to the real BTC to GBP exchange rate). However, Wirex does charge a 1% fee for any crypto purchases you make.

As I’ve outlined in my popular guide, there are cheaper ways to buy bitcoin in the UK.

However, these alternatives aren’t as convenient. The closest competitor which offers equivalent convenience is Solidi (which charges higher rates). Check out my review for the lowdown on them.

It’s possible to buy and send supported cryptocurrencies on Wirex without ordering a Wirex card too. If that’s all you want to do, check out this post.

How can I check how competitive Wirex’s exchange rate is?

When you’re buying bitcoin (BTC) with Wirex, it’ll clearly show you the exchange rate and fees you’re being charged. However, the competitiveness of this exchange rate isn’t explicit.

Wirex Review - Buy Bitcoin

To understand how competitive Wirex prices are, check out BittyBot. It ranks the exchange rate offered by bitcoin (BTC) sellers in the UK (cheapest first). It’s a good impartial comparison that’s worth bookmarking.

When you hover over ‘Price’, you’ll see a little pop-up.

Wirex Review - BittyBot Price Comparison of Wirex

This shows you how much the offered exchange rate is above the BPI (or Bitcoin Price Index).

There are few bitcoin brokers offering better rates. As mentioned above, it’s mainly just Solidi which is keeping pace with Wirex’s competitiveness.


Wirex Review - Send Cryptocurrency

I think Wirex’s browser interface looks terrible, but it does the job.

Wirex has quite obviously developed the web interface around the mobile. The mobile version works and feels a lot better though (I can’t take screenshots as the app disallows it).


Coinbase Card Website _1

Coinbase Card is another half-decent crypto debit card available in the UK.

I recently reviewed it (check that out here). It offers a great user experience, allowing you to spend directly from your cryptocurrency balance.

But the fees suck. Every single time you make a purchase, you’ll be charged a cryptocurrency exchange fee of 2.49%. Ooof! No thanks.

Save yourself the trouble and just get a Wirex card instead.

There is no better crypto debit card available right now.

Summary: Best Bitcoin Debit Card?

When I first heard about Wirex, I wasn’t expecting much.

But I was wrong. Wirex 3.0 is awesome.

Without a doubt, it’s the best bitcoin debit card available in the UK and EU right now.


  • You can buy and sell bitcoin (BTC) and other supported cryptocurrencies without getting ripped off (fees of just 1%, which is fantastic).
  • It’s convenient and beginner-friendly. You get can going in no time at all.
  • Wirex GBP Visa Debit cards are accepted anywhere a normal Visa is (which is nearly everywhere).
  • 0.5% cashback on your purchases is competitive.

Want to give Wirex a shot?

Signup (and get verified) in less than 5 minutes.


  1. Jonathan Barron 9th November 2019
    • Dean 9th November 2019
  2. James 7th June 2019
    • Dean 7th June 2019
      • James 7th June 2019
  3. Ric PE Long 3rd May 2019
    • Dean 3rd May 2019
  4. Dave Cricketer 15th March 2019
  5. Dave 14th March 2019
  6. Dave 10th March 2019
  7. David Cricketer 9th March 2019
    • Dean 10th March 2019
  8. Dave 7th March 2019
    • Dean 8th March 2019
    • Dean 9th March 2019
  9. Sarah 29th September 2018
    • Dean 29th September 2018

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