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 | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | Direct BTC top-up (on-chain) | BTC via in-app conversion |
| Lightning funding | no | no |
| BTC sale timing | Not documented | Not documented |
| Fees | ||
| Top-up fee | 6.5% | 0% |
| FX fee | 2.5% | 0% |
| Monthly fee | none | none |
| ATM fee | ATM withdrawals not supported - official FAQ (2fiat.com/api/v1/faq, entry updated 2025-06-21): 'Can I use the virtual card to withdraw funds? - Withdrawals are not supported at this time.' | not documented |
| Cashback | none | 8% in USD |
| Privacy & custody | ||
| KYC | No KYC | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | not documented | 30,000 EUR per transaction and per day (virtual + physical); Metal card 30,000 EUR/transaction, 75,000 EUR/month (monthly cap increasable on request) |
| ATM daily limit | not documented | 750 EUR/day and 5,000 EUR/month (physical + metal card; virtual card N/A). Limits may vary by region. |
| Max load | $10,000 per load | not documented |
| Availability | ||
| Regions | GLOBAL | GLOBAL, EEA, UK, APAC, LATAM |
| Network | Mastercard | Visa |
| Form factor | Virtual | Physical + virtual |
| Apple Pay | yes | yes |
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)
- Physical card option
- Wider documented availability
2Fiat
A multi-asset virtual Mastercard with Apple/Google Pay support and $10-$10,000 loads - a rare direct-altcoin-load 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.
More head-to-heads
FAQ
Which is better for privacy, 2Fiat or Wirex?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-09-21 · How we verify