Wirex Review: Wirex One Card, Cashback & Eligibility

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Score4.3

Join Wirex

Worldwide, excluding NY

Wirex Snapshot

Last updated: October 21, 2026

Crypto and fiat spending app with interest-bearing X-Accounts on stablecoins and crypto holdings.

Pros

Competitive rates for crypto

Cons

Earn achieved by converting to DAI internally
X-Account rates vary by coin

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Wirex Review

Wirex is an app to buy, sell, and spend crypto. Wirex offers a crypto back credit card, and interest bearing crypto accounts called X-Accounts.

X-Accounts are a unique feature offered by Wirex that allows users to earn interest on their traditional and cryptocurrency holdings.

Wirex achieves these crypto interest rates by converting X-Account funds into DAI or another stablecoin, and placing them in a DeFi protocol. This streamlined process eliminates traditional DeFi complexities and fees, providing users with a straightforward balance that can grow or be withdrawn at any time. By incorporating DeFi for the user, Wirex passes on high returns to users in the form of interest without the technical hassle or burdens required to do it yourself.

More about Wirex

Is Wirex legit?

With a user base of 6 million+, Wirex is an established player in the cryptocurrency industry.

Is Wirex available in US?

Wirex is available to most US-based customers except residents of New York.

Where is Wirex based?

Wirex has its headquarters in London, UK along with offices in Kyiv, Italy and Singapore.

Custody and key risks

Wirex One describes its wallet as self-custodial, using Privy key infrastructure. Card and payment services are supplied separately by regulated entities or partners. Losing wallet credentials can cause permanent loss. Smart-contract failures, stablecoin depegging and withdrawal restrictions can also cause losses. Crypto earn products are not insured bank deposits.

Wirex FAQ

Is Wirex One Card available in the USA?

The United States is not on Wirex One Card’s supported-country list, checked October 30, 2026. Wallet, payment and earn eligibility must be checked separately.

Does Wirex pay compound yield?

Wirex One card cashback is a spending reward, separate from earn products. No current asset-specific earn rate or compounding schedule is verified in this review. Check the selected product’s terms.

How often do you receive payouts?

Weekly

Does Wirex require a lockup period?

Wirex One membership has no required lockup. Earn products and on-chain withdrawals have separate terms, liquidity constraints and risks; membership terms do not establish unrestricted withdrawal access.

Does Wirex pay interest on Bitcoin?

A current Bitcoin rate is not listed here for Wirex. Confirm product availability, rates and eligibility directly with the provider.

Does Wirex pay interest on Ethereum?

A current Ethereum rate is not listed here for Wirex. Confirm product availability, rates and eligibility directly with the provider.

When was Wirex founded?

Wirex was founded in 2014.

Where is Wirex headquartered?

Wirex is headquartered in London, UK.

Where is Wirex available?

Worldwide, excluding NY

Available Card