Wirex One
Wirex One is a crypto card issued on Mastercard, rated 7.5/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Wirex One is the strongest fit for free issuance and crypto funded, and asks for ID + proof at signup — we carry it at self-custodial wallet; up to 8% cashback requires WPAY holdings risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Wirex One · Crypto Card |
| Official site | https://www.wirexapp.com |
| Best for | Free issuance · Crypto funded |
| Network | Mastercard |
| Rating | 7.5/10 (4.0★, 902 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | free virtual; physical from Premium tier |
| Monthly / annual fee | none (5 tiers; Base tier free) |
| Top-up (deposit) fee | 0% conversion on USDC/USDT/EURC |
| FX / conversion fee | 0% advertised FX markup; ~0.35-1.25% observed spread |
Verification and risk
| KYC required | yes (full KYC) |
| Risk level | self-custodial wallet; up to 8% cashback requires WPAY holdings |
Funding and limits
| Crypto top-up | yes (USDC, USDT, EURC, BTC, ETH, WPAY) |
| Bank transfer | yes (multi-currency IBAN) |
| Alipay / WeChat Pay | no |
| Cards per account | virtual + physical by tier |
Billing
| Billing country | EEA, UK, AU + 73 countries (not US/CN/KP) |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 547692 | Mastercard | EEA (Europe) | Debit | 193 | 138 | 71.5% |
We logged 138 cleared charges out of 193 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Issuing country
Other Mastercard virtual cards
Frequently asked
What does Wirex One cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is none (5 tiers; Base tier free); top-ups cost 0% conversion on USDC/USDT/EURC; conversion is priced at 0% advertised FX markup; ~0.35-1.25% observed spread. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Wirex One?
Wirex One asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: yes (full KYC)
How can I fund Wirex One?
You can fund it with crypto (USDC, USDT, EURC, BTC, ETH, WPAY), bank transfer (multi-currency IBAN). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Wirex One need?
Setting it up: cards are issued against EEA, UK, AU + 73 countries (not US/CN/KP). Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
How many cards can I open with Wirex One?
Wirex One allows more than one number per account rather than a fixed count, and the issuer's own wording is: virtual + physical by tier. Multiple numbers under one account is the practical pattern here, so a single merchant block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.