Wirex One issues Visa debit cards (virtual for every account; plastic from Premium; metal Visa Signature from Private) that can be added to Apple Pay and Google Pay. Official help confirms wallet provisioning is done manually in the device Wallet — not via a third-party Curve bridge. Cashback is paid in USD to a Rewards Balance (legacy WXT “Cryptoback” copy is obsolete). Rates and card form factors follow the Wirex One membership tier (portfolio value + $WPAY share; no subscription fee).
Figures below are from Wirex One Freshdesk (card, limits, membership, cashback) and the stablecoin-and-crypto-card marketing page as of this refresh. Limits may vary by region — always confirm in-app.
Prerequisites
- Verified Wirex One account with an issued Virtual, Physical, or Metal card.
- iPhone (models that support Apple Wallet / Apple Pay) or Apple Watch paired to a compatible iPhone; Face ID, Touch ID, or device passcode enabled.
- Latest Wirex One app and iOS Wallet app; network access for issuer SMS/email verification if prompted.
- Sufficient available balance for test spends (card spends debit your Wirex One balance — this is a debit product, not credit).
- For a physical plastic card: Premium tier or higher. For metal Visa Signature: Private or Bespoke.
Add Wirex One to Apple Pay (step-by-step)
- Issue or open the card in Wirex: In the app go to Card. Create a virtual card if you do not have one yet (available to all users; identity checks may apply). Or activate a delivered physical/metal card before wallet use.
- Reveal card details securely: Open the card in-app and view the full PAN, expiry, and CVV (authenticate in-app as required). Do not screenshot or share these details.
- Open Apple Wallet: On iPhone open the Wallet app → tap + → Debit or Credit Card → Continue.
- Enter card manually: Wirex help states you add the card manually through your device’s wallet settings. Enter the number, name, expiry, and CVV from the Wirex app (or use the camera only if you hold a physical card and prefer scan-then-verify).
- Complete issuer verification: Accept Terms, then complete SMS, email, or in-app verification Wirex/the card issuer sends. Wait until Wallet shows the card as ready for Apple Pay.
- Set as default (optional): Wallet → card → make default for contactless / in-app payments if desired. Add the same card to Apple Watch via the Watch app → Wallet & Apple Pay if you spend from the wrist.
- Test a small contactless or in-app payment: Confirm the debit posts in Wirex transaction history and that cashback eligibility rules still apply (see exclusions below).
Apple Pay readiness checklist
Tick each item before first spend. Progress updates automatically.
Card types & Apple Pay fit
| Card type | Who can get it | Best for | Apple Pay / Google Pay | ATM cash |
|---|---|---|---|---|
| Virtual | All Wirex One users | Instant online + wallet spend | Yes — manual add to device wallet | N/A |
| Physical (plastic) | Premium tier and above | In-store magstripe/chip where wallets are not accepted | Yes — same Visa credentials | Yes (see limits) |
| Metal (Visa Signature) | Private and Bespoke | Higher monthly purchase cap, Signature perks, top cashback tiers | Yes — virtual + physical metal forms; contactless supported | Yes (see limits) |
You may hold virtual, physical, and metal at the same time; each has its own number. Delivery: Standard local post up to ~4 weeks or Express DHL ~2–5 business days; free card delivery called out for Private/Bespoke on the benefits matrix. Activate physical cards in-app before spend.
Fees & spending limits (card / Apple Pay)
| Item | Amount | Notes |
|---|---|---|
| Apple Pay / Google Pay usage | No extra Wirex wallet fee published | Spend is a normal Visa debit against your balance |
| Foreign transaction fee | Free (all tiers) | Card limits & membership benefits articles |
| Card subscription | $0 | Tiers via portfolio + $WPAY %; not a paid card SKU |
| Virtual max purchase / monthly purchase | €30,000 / €30,000 | Region variance possible |
| Physical max purchase / monthly purchase | €30,000 / €30,000 | Region variance possible |
| Metal max purchase / monthly purchase | €30,000 / €75,000* | *Monthly metal limit increasable on request |
| ATM withdrawal (physical & metal) | €750 / day · €5,000 / month | Virtual ATM N/A; ATM ≠ cashback-eligible |
Membership tiers (unlock plastic / metal + cashback)
| Tier | Min portfolio | $WPAY of portfolio | Primary card form | USD cashback | Monthly rewards redemption cap |
|---|---|---|---|---|---|
| Base | None | None | Virtual | 0.50% | $25 |
| Premium | ≥ $500 | ≥ 1% | Plastic (+ virtual) | 1.00% | $100 |
| Elite | ≥ $2,500 | ≥ 3% | Plastic (+ virtual) | 3.00% | $300 |
| Private | ≥ $25,000 | ≥ 5% | Metal Visa Signature | 5.00% | $1,000 |
| Bespoke | ≥ $50,000 | ≥ 10% | Metal Visa Signature | 8.00% | $2,000 |
Both portfolio and $WPAY share must be met. Tiers recalculate daily and after balance-moving activity; upgrades are immediate, downgrades have a 24-hour grace period. No fund lock-up subscription is required to participate.
Apple Pay cashback estimator (USD)
Estimates eligible purchase cashback only. ATM, cash advance, crypto buys with the card, gambling, refunds, and listed MCC exclusions earn 0%.
| Estimated cashback (before redemption cap) | $10.00 |
|---|---|
| Monthly redemption cap (this tier) | $100 |
| Redeemable this month (if balance were only this cashback) | $10.00 |
Unused reward balance above the monthly cap rolls forward. Rate is the tier at settlement time; later tier changes do not rewrite past cashback.
Common pitfalls
- Assuming Curve is required: Current Wirex One help documents direct Apple Pay / Google Pay via the device wallet. Curve is not the official primary path.
- Expecting WXT token cashback: Live programme credits USD cashback to Rewards Balance, not WXT.
- Base tier expecting plastic in the mail: Physical plastic starts at Premium; Base is virtual (still wallet-capable).
- Counting ATM or crypto top-ups as cashback: ATM, cash advances, card-funded crypto purchases, gambling, refunds, and many money-transfer MCCs are excluded.
- Hitting purchase caps: Virtual/physical monthly purchase heads sit at €30k-class limits; metal monthly can be higher (€75k, increasable). Check the app for your region.
- Provisioning before activation / KYC: Incomplete verification or an inactive physical card is a frequent Wallet decline cause.
- Confusing Smart Perks with card cashback: 50% subscription rebates (Uber One, ChatGPT, etc.) are tier-gated and separate from the 0.5–8% spend cashback; Base gets no subscription rebates.
Device & availability notes
| Surface | Support snapshot |
|---|---|
| Apple Pay (iPhone / Apple Watch) | Supported — add Wirex One card manually in Wallet |
| Google Pay | Supported — same manual wallet add flow per help FAQ |
| Marketing availability | Card programme marketed for 130+ countries; local issuer/KYC rules apply (EEA/UK/AU/RoW entities differ) |
| Credit / borrowing | Not a credit card — no credit facility on the Wirex One card |
Sources
- Wirex — Stablecoin & crypto card (Apple Pay / Google Pay marketing)
- Freshdesk — Your Wirex One card (Apple Pay FAQ)
- Freshdesk — Card limits and fees
- Freshdesk — Wirex One membership
- Freshdesk — Membership levels benefits
- Freshdesk — How cashback works
- Freshdesk — Your Rewards Balance (redemption caps)
- Freshdesk — Wirex One Metal Card