Strong multi-currency travel card with high Cryptoback — gated behind WXT staking.
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Wirex is a multi-currency account with a Visa card that supports 150+ traditional and crypto currencies in one app. It is positioned heavily at travellers, with in-app exchange and free international ATM withdrawals up to a limit.
Its Cryptoback rewards reach up to 8%, but the higher rates require staking WXT, Wirex's native token — the familiar trade-off where the headline number depends on locking up an exchange asset.
How the Wirex Card stacks up on cost:
| Card Issuance | Free (standard) |
| Monthly Fee | Free on standard plan |
| Intl ATM | Free up to monthly limit |
| FX Conversion | Interbank-style, tight spread |
| In-app Exchange | Competitive spread |
| WXT Stake (top rate) | Locked |
Cryptoback scales with your WXT stake and plan:
| Plan / Stake | Cryptoback | Notes |
|---|---|---|
| Standard, no stake | Up to 1% | Entry |
| With WXT stake | 2-4% | Mid tiers |
| Premium + WXT | Up to 8% | Top tier |
| ATM | Free to limit | Travel benefit |
Wirex uses multi-signature wallets, 2FA, and is regulated in multiple jurisdictions. Visa zero-liability fraud protection applies. Card freeze and spend controls are available in-app.
The multi-currency account is the real star — holding and switching between fiat balances while travelling removed the usual FX friction.
Cryptoback posted as expected. To get past the entry rate you must commit to WXT, which is a market-exposure decision rather than a free perk.
Support was functional but slower than the exchange-backed cards during testing.
| Feature | Wirex | Nexo | Crypto.com |
|---|---|---|---|
| Type | Debit | Credit Line | Prepaid Debit |
| Max Cashback | 8% | 2% | 5% |
| Multi-currency | Yes (150+) | Limited | Limited |
| Free Intl ATM | Yes (limit) | 2/mo | Tier based |
| Token Stake for Max? | Yes (WXT) | No | Yes (CRO) |
For travellers who want one account spanning many currencies plus high crypto rewards, Wirex is a compelling package. The WXT staking requirement for top Cryptoback keeps it out of our very top tier, but the multi-currency travel use case is best-in-class.
Sign up through our link to get the current Wirex welcome offer.
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