Wirex
Wirex is a UK-based digital payment platform integrating cryptocurrency and traditional currencies, offering a Wirex card, mobile app, savings accounts, and corporate cards.
Account Types
Personal Plans
| Feature | Elite Enhanced | Elite Entry | Elite Ultimate | Premium Enhanced | Premium Entry | Premium Ultimate | Standard Enhanced | Standard Entry |
|---|---|---|---|---|---|---|---|---|
| Monthly Fee | €29.99 | €29.99 | €29.99 | €9.99 | €9.99 | €9.99 | Free | Free |
| Annual Fee | €306.00 | €306.00 | €306.00 | €102.00 | €102.00 | €102.00 | Free | Free |
| Minimum Balance | €1,500,000 | - | €7,500,000 | €250,000 | - | €750,000 | €150,000 | - |
| Fee Currency | EUR | EUR | EUR | EUR | EUR | EUR | EUR | EUR |
| Free ATM Withdrawals | - | - | - | - | - | - | - | - |
| Card Type | Metal PhysicalMetal Virtual | Metal PhysicalMetal Virtual | Metal PhysicalMetal Virtual | Premium PhysicalPremium Virtual | Premium PhysicalPremium Virtual | Premium PhysicalPremium Virtual | Standard PhysicalStandard Virtual | Standard PhysicalStandard Virtual |
| Billing Model | Subscription | Subscription | Subscription | Subscription | Subscription | Subscription | Free | Free |
| Free Tier | No | No | No | No | No | No | Available No monetary fee but requires locking 150,000 WXT tokens for 180 days. | Available Available to all Wirex users at no cost with no WXT lock required. |
| Description | Enhanced Elite X-tras tier. Requires locking 1,500,000 WXT for 180 days. 6% Cryptoback™, up to 15% X-Account interest, 8% WXT Savings Bonus. | Entry-level Elite X-tras plan. 4% Cryptoback™ on all in-store and online purchases, higher X-Account interest rates. | Ultimate Elite X-tras tier. Requires locking 7,500,000 WXT for 180 days. 8% Cryptoback™, up to 16% X-Account interest, 16% WXT Savings Bonus. | Enhanced Premium X-tras tier. Requires locking 250,000 WXT for 180 days. 2% Cryptoback™, up to 12.5% X-Account interest, 3% WXT Savings Bonus. | Entry-level Premium X-tras plan. 1% Cryptoback™ on all in-store and online purchases, higher X-Account interest rates, discounted transaction fees. | Ultimate Premium X-tras tier. Requires locking 750,000 WXT for 180 days. 3% Cryptoback™, up to 13% X-Account interest, 6% WXT Savings Bonus. | Enhanced Standard X-tras tier. Requires locking 150,000 WXT for 180 days. 1% Cryptoback™, up to 16% X-Account interest, 1% WXT Savings Bonus. | Free basic X-tras tier for all Wirex users. 0% WXT lock required. 0.5% Cryptoback™ on card purchases. |
Business Plans
| Feature | Wirex Corporate Account | Wirex Private |
|---|---|---|
| Monthly Fee | - | - |
| Annual Fee | - | - |
| Minimum Balance | - | - |
| Fee Currency | - | - |
| Free ATM Withdrawals | - | - |
| Card Type | Standard PhysicalStandard Virtual | Metal PhysicalMetal Virtual |
| Billing Model | Custom | Custom |
| Free Tier | No | No |
| Description | Global corporate accounts connecting traditional banking with stablecoin infrastructure. Multi-currency (USD/EUR/GBP), SWIFT/SEPA/Faster Payments, 1:1 fiat-stablecoin conversion, zero-FX Business Visa card. | Premium corporate banking tier. Priority onboarding, dedicated relationship manager, enhanced transaction limits, bespoke yield solutions, custom treasury structures. |
Visit the provider website for detailed plan comparisons and features
Business Features
Wirex offers a stablecoin-native corporate banking and API platform. API: Confirmed via dedicated developer pages (wirexapp.com/developers), Wirex SDK, REST API docs at docs.wirexapp.com, with support for ACH, SEPA, PIX, FPS, SWIFT payment rails. No API monthly fee mentioned. Corporate cards: Confirmed — physical and virtual cards issued on Visa and Mastercard networks, accepted at 80M+ merchants globally, funded with USD/EUR/GBP fiat or stablecoins (USDC, EURC), zero FX fees, 1:1 conversion with no spreads. No maximum card count stated. Multi-user access: Confirmed — businesses can issue cards to employees, contractors, and departments with spend limits, user permissions, and a centralised dashboard or API for management. Expense management: Confirmed — real-time transaction visibility, spend analytics, budget management, transaction categorisation, and exportable statements. Receipt scanning: Confirmed — users can attach receipts to transactions and categorise spending ('Attach receipts, categorise spending, and export reports'). Payment gateway: Confirmed — the platform supports accepting stablecoin and fiat payments ('Accept stablecoin or fiat payments with minimal code. Automatically convert between fiat ↔ stablecoin'), and marketplace checkout use case is explicitly mentioned. Bulk payments: Not explicitly mentioned; global payouts to contractors/suppliers are supported but no specific bulk/batch payment feature is confirmed. Approval workflows: Not mentioned. Scheduled/recurring payments: Not mentioned. Invoicing: Not mentioned. Accounting integrations (Xero, QuickBooks, etc.): Not mentioned. API fee: Not stated, assumed free or negotiated. The platform is compliance-first with KYB, KYT, and Travel Rule support, and offers white-label/embedded model capabilities.
Fees & Limits
| Route | Fee Structure | Min/Max |
|---|---|---|
| Wire | Free(1-3 business days) | No limit Bank Transfer free for UK users (deposit and withdrawal). Source: Wirex Fees (UK) help page. |
| Wire | Free(1-3 business days) | No limit Bank Transfer free for UK users (deposit and withdrawal). Source: Wirex Fees (UK) help page. |
| SEPA (EUR) | Free(instant) | No limit SEPA Instant available via Modulr partnership. Includes Secure Bank Transfers (Plaid). Zero fees for UK and EEA users. |
| SEPA (EUR) | Free(instant) | No limit SEPA Instant available via Modulr partnership. Includes Secure Bank Transfers (Plaid). Zero fees for UK and EEA users. |
| Faster Payments (EUR) | Free(instant) | No limit Faster Payments for UK users. Zero fees, high transaction limits. Via Modulr partnership. Includes Secure Bank Transfers (Plaid). |
| Faster Payments (EUR) | Free(instant) | No limit Faster Payments for UK users. Zero fees, high transaction limits. Via Modulr partnership. Includes Secure Bank Transfers (Plaid). |
| Not Available | Free(N/A) | No limit No transfer fee data found for Wirex Corporate Account (business account type). The available fee pages (Wirex Fees UK) cover personal account tiers only. Specific business account transfer fees were not available in the provided page content. |
| Fee | Details | Amount |
|---|---|---|
| Account Fees | ||
| Monthly Subscription Fee | -Monthly | €29.99 |
| Annual Subscription Fee | -Annual | €306.00 |
| Not Available | -Other | Free |
Cards
Security & Compliance
Regulation
- Financial Conduct Authority (FCA)License: 902025. Licensed in United Kingdom. Safeguarding: segregated_accounts.
- Compliance CertificationsPCI DSS
App Security
- Instant FreezeFreeze and unfreeze your card instantly from the app if lost or stolen.
- Two-Factor AuthenticationSMS OTP, biometrics (fingerprint, Face ID), push notifications
Wirex is an FCA-authorised Electronic Money Institution (EMI) in the UK. As an EMI, customer funds are safeguarded in segregated accounts rather than covered by FSCS deposit protection. Wirex issues Visa-linked crypto-enabled debit cards, requiring PCI DSS compliance for card payment processing. The platform uses TLS encryption for data in transit and enforces GDPR-compliant data handling practices. No explicit mention of SOC 2 certification, AES-256 at-rest encryption, bug bounty programme, or penetration testing found in available page content.
Support & Platforms
Customer Support
- Phone
Avg response: ~1 min
+44 800 689 4179 (Support)
- Email
Avg response: ~2d
Support emails: [email protected], [email protected], [email protected], [email protected]. Complaints acknowledged within 2 business days per complaints handling procedure.
- Live Chat24/7
Avg response: ~5 min
In-app live chat ('CHAT WITH US') accessible via the Wirex help center and Wirex app. Live chat feature confirmed via Facebook posts and help center page.
- Help Center24/7
Wirex Help Center at help.wirexapp.com. Covers account support, app usage, transactions, and FAQs.
- Contact Form24/7
Avg response: ~2d
Formal complaints form at help.wirexapp.com/complaints-form. Also a general 'create request' ticket form for non-complaint support inquiries. Complaints are acknowledged within 2 business days and resolved within 15 business days.
- Social Media24/7
Facebook: https://www.facebook.com/wirexapp/, Twitter/X: https://twitter.com/wirexapp, Instagram: https://www.instagram.com/wirexapp/, YouTube: https://www.youtube.com/channel/UCAI8wK4Z9vxYM08lp3C7d_A, LinkedIn: https://www.linkedin.com/company/wirex-limited, Discord community: join via Wirex help center.
- Physical OfficeBusiness hours
UK HQ: 25 Old Broad Street, London, EC2N1HN, United Kingdom. EU office: via Della Posta 7, 20213 Milan, Italy (Wirex Digital Services s.r.l.).
Available Platforms
Eligibility
Supported Currencies
Local Account Details3 accounts
Named Virtual Accounts with unique IBANs for each user. Supports 1:1 fiat↔stablecoin conversion (EUR↔stablecoins) instantly 24/7 with no on-ramp or off-ramp fees. Accounts built to meet banking and AML requirements. Offered as B2B API/embedded banking product via Wirex SDK.
Named Virtual Accounts with unique IBANs for each user. Supports 1:1 fiat↔stablecoin conversion (GBP↔stablecoins) instantly 24/7 with no on-ramp or off-ramp fees. Accounts built to meet banking and AML requirements. Offered as B2B API/embedded banking product via Wirex SDK.
Named Virtual Accounts with unique IBANs for each user. Supports 1:1 fiat↔stablecoin conversion (USD↔stablecoins) instantly 24/7 with no on-ramp or off-ramp fees. Accounts built to meet banking and AML requirements. Offered as B2B API/embedded banking product via Wirex SDK.