Wirex Fees
- Zero basic maintenance: The standard account and card have no monthly fees, though physical card issuance costs around €5–10 plus delivery.
- Tiered rewards and costs: Higher cashback (up to 8%) requires paid subscriptions (Premium €9.99/mo or Elite €29.99/mo) and holding/staking WXT tokens.
- ATM limits and FX: Free ATM withdrawals are limited (e.g., £200/mo), with a 2% fee thereafter; currency conversions often include a markup or spread above the mid-market rate.
- Crypto-to-fiat spending: Spending crypto directly at terminals incurs real-time conversion spreads, which vary depending on the asset and market conditions.