Name: Revolut Card
Brand: Wirex
Availability: InStock
Rating: 9.2 (1581 reviews)

Description

Key features:

Card validity: Physical cards are valid for 3 years, while virtual cards remain active indefinitely unless compromised.
Crypto-fiat hybrid: Supports spending in multiple cryptocurrencies and traditional currencies.
Ease of use: Available for everyday spending both online and offline, with broad merchant acceptance.

Limitations to consider:

~1.5% crypto conversion spread: A notable spread applies when converting crypto for transactions.
ATM limits: Only €200/month in fee-free ATM withdrawals; additional usage incurs charges.
Apple/Google Pay workaround: Native mobile wallet support requires using a third-party service like Curve.
Mandatory KYC: Full identity verification is required before the card can be activated or used.

Wirex Card is a solid option for users seeking flexibility between fiat and crypto, though it comes with trade-offs in conversion fees, ATM limits, and extra steps for mobile wallet integration.

Main characteristics

Name	Value
Network	Issued on the Mastercard network by Transact Payments Malta Limited (regulated by MFSA), providing worldwide merchant and ATM access.
Card Type	A hybrid debit card that lets you spend both cryptocurrencies and traditional currencies directly from your Wirex wallet—no borrowing, only your own funds.
Mobile Wallets	Not natively supported—workaround via Curve enables both Apple Pay and Google Pay compatibility.
Funding Options	Multiple funding channels: SEPA Instant & Credit transfers (up to €50 000/day), UK Faster Payments, US ACH, debit/credit card (via 0% markup), plus direct crypto deposits.
Stablecoin Onboarding	Full support for over 150 crypto and stablecoin assets (e.g. USDT, USDC), auto-converting on transaction.
KYC Verification	Full identity verification (ID document, selfie, phone) required before card issuance.
Cardholder	Individual personal card linked to your Wirex user account.
Issuing Entity	Transact Payments Malta Limited (Mastercard issuer, Malta).
Base Currency	True multi-currency: hold and spend in EUR, USD, or GBP wallets.
Supported Cryptos	Spend any of the 150+ assets on platform (including BTC, ETH, USDT, USDC).
Coverage Area	Available in 150+ countries across EEA, UK, US, Canada, APAC and beyond.
FX Markup	Zero markup on FX—uses Mastercard’s live interbank rate.
Crypto→EUR Funding	Real-time “on-the-fly” conversion at point of sale.
Interest Rate	Not a credit line—no interest applies.
Max Cashback	Up to 8% “Cryptoback™” rewards in WXT tokens on the Elite plan.
Base Cashback	1% “Cryptoback™” in WXT tokens on the free plan.
Daily Spend Limit	Customizable up to €30 000 per day for verified EU/EEA users.
ATM Fee (Variable)	0% up to €200/month; 2% on subsequent withdrawals.
Monthly ATM Cap	Monthly ATM Cap
Free ATM Allowance	Free ATM Allowance
Card Formats	Both virtual and physical card options available via the app.
Bank Account Offered	Bank Account Integration
Account Type	E-money current account for SEPA, Faster Payments, ACH inbound/outbound.
Third-Party Receipts	Accept direct incoming payments via IBAN or sort code.
Primary Region	Live since 2018 on Visa and since 2021 on Mastercard; global footprint of 61 million acceptance points.
Custody Model	Wirex retains custody of your crypto and fiat balances.
Physical Card Cost	€5 standard shipping (EEA); €15 for express delivery.
Virtual Card Cost	Instantly issued at no cost.
Conversion Spread	Approximately 1.5% on crypto-to-fiat exchanges.
Transaction Fee	Zero per-purchase fee—unlimited free transactions.
Total Crypto Cost	~1.5% all-in cost for crypto spends.
Instant Sell	Yes—automatically converts crypto when you pay.
Spendable Fiat	EUR, USD, GBP with 0% FX on any currency spend.
Deposit Fee	No fee to deposit crypto; network fees apply.
BIN	Not publicly disclosed.
Issue Country	Malta.
Validity	Physical: 3 years; virtual: indefinite until compromised.

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