2Fiat vs Wirex
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer: too close to call on the weighted score. The decision is your use case: check the bitcoin-flow rows below.
 2Fiat |  Wirex | |
|---|---|---|
| Overall score | 5.3 | 5.4 |
| BTC load | Direct BTC top-up (on-chain) | BTC via in-app conversion |
| BTC sale timing | Not documented | Not documented |
| KYC | No KYC | Full KYC |
| Custody | Custodial | Custodial |
| Top-up fee | 6.5% | 0% |
| FX fee | 2.5% | 0% |
| Monthly fee | none | none |
| Cashback | none | 8% in USD |
| Regions | GLOBAL | GLOBAL, EEA, UK, APAC, LATAM |
Pick 2Fiat if
- Lighter KYC (No KYC vs Full KYC)
Pick Wirex if
- Known fee stack (9.0 vs 0.0 % equivalents on a $500/mo profile)
- Higher documented cashback (8% vs 0)
- Wider documented availability
2Fiat
A Monero-capable virtual Mastercard with Apple/Google Pay support and $10-$10,000 loads - a rare direct-XMR card. Until fees, limits and the operator behind it are verifiable, treat it as an unverified lead: fund only what you can afford to lose.
Wirex
The veteran (2014) reinvented as a stablecoin bank: fee-free FX worldwide, multi-currency accounts with 1:1 stablecoin conversion, real Visa/Mastercard principal memberships and an 8% headline cashback. Fee details hide in the help hub, and the El Salvador licensing move makes the regulatory story newer than its brand.