Wirex
Wirex is a crypto card issued on Mastercard, rated 8.0/10 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 is the strongest fit for free issuance and crypto funded, and asks for ID + proof at signup — we carry it at medium 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 · Crypto Card |
| Official site | https://wirexapp.com |
| Best for | Free issuance · Crypto funded |
| Network | Mastercard |
| Rating | 8.0/10 (4.0★, 938 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | Free (Classic virtual); physical varies by tier |
| Monthly / annual fee | Free (basic); X-tras plans vary |
| Top-up (deposit) fee | Free crypto top-up ··· |
| FX / conversion fee | 0% FX (Wirex One, no published FX fee); Classic varies by region |
Verification and risk
| KYC required | Yes (full KYC) |
| Risk level | Medium |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | Yes ··· |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | Multiple cards available |
Billing
| Billing country | UK, NZ, HK, TW ··· |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | No |
| Meta / Google Ads | No |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 537219 | Mastercard | United Kingdom | Debit | 157 | 113 | 72.0% |
We logged 113 cleared charges out of 157 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 cost to run?
The cost lines stack like this: issuing the card is free; there is no monthly fee on the entry tier; loading it carries no top-up fee; conversion is priced at 0% FX (Wirex One, no published FX fee); Classic varies by region. 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?
Wirex 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?
You can fund it with crypto (Classic 150+; EEA/AU crypto disabled 2026-06-30; Wirex One self-custody), bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Wirex need?
Setting it up: cards are issued against UK, NZ, HK, TW (Classic crypto live); EEA/AU crypto ended 2026-06-30; Wirex One 73 countries (excl. US/CA/SG); an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Will Wirex trigger 3-D Secure?
Yes. Wirex supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Wirex?
Wirex allows more than one number per account rather than a fixed count, and the issuer's own wording is: Multiple cards available. 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.