Wirex Review

Benzinga Money is a reader-supported publication. We may earn a commission when you click on links in this article. Learn more.
securely through Wirex's website

1 Minute Review

Leave Your Own 1 Minute Review!

Wirex is a borderless, digital payment platform seeking to make traditional currencies and crypto equal and accessible to everyone. Its innovative mobile app and next-gen card lets you purchase, store, exchange and spend a broad range of traditional and digital currencies quickly and securely — zero fuss and no hidden fees.

You can customize the app the way you want it to work by choosing from more than 12 traditional and crypto currency accounts. Quick and simple money transfer options are readily available, as well as the freedom to spend 150+ fiat and cryptocurrencies in over 54 million locations around the globe using the Wirex card.

Funding your account is also as easy as using your debit/credit card, bank transfer or crypto. For a seamless experience, Wirex lets you manage your account and track payments with its live in-app messages.

Best For

  • Secure accounts
  • Quick and simple money transfer options
  • Exchange multiple currencies instantly


  • You can spend over 150 fiat and cryptocurrencies
  • Easy account funding
  • Earn up to 1.5% in Bitcoin for every in-store transaction you make
  • Heavily-discounted fees
  • High limits
  • 24/7 live chat support


  • There have been complaints about long running open tickets
securely through Wirex's website

Wirex Quick Summary

Overall4 stars
Commissions & fees5 stars
Customer support4 stars
Research3 stars
Mobile app5 stars
Education3 stars
Ease-of-use5 stars

Wirex Fees and Account Minimums

Getting your Wirex card and the corresponding current account is free, but different fees and limits will apply depending on the currency of your account. Account fees, multi-sig crypto accounts, multi-sig fiat accounts, card issuance, card maintenance, card replacement, and card delivery fees are $0.

You’ll pay a 1% fee for topping up with cryptocurrency in your account using a debit or credit card, while Wirex fiat account holders will enjoy free top ups. All bank deposits are done free of charge and may take 2 to 3 days to settle in your account.

Wirex cryptocurrency account limits vary depending on the currency from which the conversion is being performed. A crypto transfer OUT has a $10,000 limit per transaction and $50,000 limit per day. There’s no maximum account balance for all Wirex users.

Wirex also spoils its users with handsome rewards. You can earn up to 1.5% in Bitcoin for every in-store transaction you make. You’ll also get $10 in Bitcoin when you refer a friend.

Account feeFree
Card maintenance feeFree
Multi-sig crypto and fiat accountsFree
Crypto account top-up1% fee
Fiat exchange servicesFree

Wirex Ease of Use

Best For
Secure accounts

Account registration

Currently, Wirex hosts a new program known as X-Accounts. In a partnership with Fireblocks, Wirex believes this is the most accessible interest-paying account in the industry. As part of the program, X-Account owners can earn up to 20% interest on selected currencies, up to 16% annual Savings Bonuses and up to 8% Cryptoback rewards.

X-Account owners avoid the fees and complicated registration procedures they encounter with other DeFi and yield farming services. You always have control over your funds. There is an option to deposit and withdraw at any time with no minimum holdings, and accountholders never pay maintenance fees. 

How does it work? You can set up your account in 5 minutes, add funds as needed and even top up the account with your credit or debit card. Select the X-Account tab, follow the instructions and create a custom name for each account. With industry-leading interest rates, you get paid for investing like you normally would. You might need a few minutes to upload the required documents, and that’s all.

Wirex calculates earnings every day, paying once a week. With compound interest, you earn even more than you can with other platforms.

Funding Your Account

With Wirex, you can both add funds from or send money to external crypto wallets and currency accounts. Wirex lets you top up your account by sending traditional por crypto currency from your external accounts, requesting from friends or family members or getting paid by your employer. You only need to provide them with your account details.

If you’re funding your account through an already linked card, you can settle the transaction within the Wirex mobile app. For an external crypto or fiat currency account, you’ll receive the necessary information to send to the Wirex account from the external platform, including sort code, IBAN number and cryptocurrency addresses.

Multi Currency Card

The Wirex multicurrency card lets you spend different crypto and fiat currencies with instant conversion at any point-of-sale and with zero exchange fees. This Wirex card also earns you up to 2% Cryptoback™ rewards on all your spending in-store and online. The Wirex multicurrency card is available in 130 countries, boasts over 4.5 million customers and supports 150+ traditional and crypto currencies.

Wirex Education

While Wirex doesn’t have a vast collection of educational resources, its help center serves as a one-stop location for quick and effective solutions to any questions about its product. Start with its blog where you’ll find updated information about most asked questions you may be interested in.

The Wirex community is also a great resource for anyone looking to share their feedback, suggest new features and connect with like-minded enthusiasts. Top categories in the Wirex community include:

  • Support & resources: This dedicated support and resource center provides all the information you need regarding accounts, cards, fees and limits, security, crypto & traditional currencies, Wirex rewards and others.
  • General chat: This room is home to all conversations regarding blockchain, Fintech, innovation, your favorite cryptocurrencies and more.
  • Feedback and ideas: Here, you can share your ideas, requests and provide feedback on how Wirex can deliver a greater experience.

And if you still can’t find what you’re looking for, submit your request to the Wirex support team and they’ll have it resolved as soon as possible.

Wirex Customer Support

Wirex doesn’t provide a dedicated customer support number but offers dedicated 24/7 live chat support to all its users. For better problem resolution, Wirex dedicates different channels for different inquiries as follows:

The company advises its customers to first try the Wirex community or visit the help center before submitting a request. Even so, you can contact Wirex support via your mobile app by creating a new ticket or replying to an existing ticket.

Wirex Offerings

The Wirex platform continues to develop its product in-line with the market development. Some of its key offerings include:

  • Contactless Wirex visa card and Mastercard (EEA) : Wirex boasts the pioneer contactless payment card that lets you seamlessly spend numerous digital and conventional currencies in more than 54 million locations globally.
  • Instant exchange: Instantly convert money between any of the supported crypto or traditional currencies at live OTC and interbank rates.
  • Cryptoback™ rewards: Wirex owns the world’s novel bitcoin reward programme in which you can earn up to 2% back in bitcoin on every in-store purchase you make with the Wirex card.
  • Quick and simple money transfer: With Wirex, you can easily transfer cryptocurrencies across the world for free, or take advantage of integrated banking channels like SEPA, Swift and Faster Payments.

Wirex Mobile App

The Wirex mobile app is arguably what sets it apart from its competition, and for good reason — it has a host of incredibly features including:

  • User-friendly interface: Most of the Wirex app users give it a positive review for its user-friendly experience. From funding your account to submitting a support ticket when you’re stuck, the Wirex interface makes it incredibly easy for you to locate all these features. The app isn’t cluttered, so you won’t feel worked up trying to find what you want.
  • Robust platform: Besides storing 30+ crypto and traditional currencies in one account, the Wirex mobile app also provides an intuitive, robust platform where you can seamlessly buy, hold, exchange and spend these currencies. When you exchange cryptocurrencies to and from traditional currencies inside the app, the corresponding amount is instantly loaded to your wallet or card.
  • 13 languages supported: The latest Wirex mobile app update came with an additional new language including Turkish, Italian, Portuguese, Greek, Russian, Tagalog and Indonesian. Just pick your preferred language in your phone settings.
  • Available for both Android and iOS: The Wirex app supports iOS 12.4 and higher as well as Android 5.0 Lollipop and higher.

Wirex Overall Review

Wirex gives you the power to use your money, your way, on a single borderless payment platform. The Wirex app also excels at saving you money — you can buy, exchange and transfer 20 traditional and digital currencies with low fees, high limits and no hidden charges. You also have unrestricted access to OTC and interbank rates.

We also bet you’ve seen rewards that will match Cryptoback™ rewards that dole out up to 1.5% in bitcoin each time you use your Wirex card in-store. Wirex is your gateway to buying and selling crypto freely and easily.

How do you like Wirex?

User Reviews

pushpa ramraika

Tell Us Your Experience With "Wirex"

Really bad experience! I deposited crypto and service was instant and I liked that. But while withdrawing I initiated XLM which should take few seconds to transfer and should be verified within 5 mins, its been more than 3 days and it is till pending

The Crypto Rocketship: Weekly Newsletter
  • Exclusive Crypto Airdrops
  • Altcoin of the Week
  • Insider Interviews
  • News & Show Highlights
  • Completely FREE