Bitrefill Card vs Wirex
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer Wirex ranks higher on the documented evidence (5.4/10 vs unscored). The right pick still depends on your priority - see the flow comparison below.
| Bitrefill Card |  Wirex | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| Lightning funding | balance only, not the card | no |
| BTC sale timing | BTC sold when you top up | Not documented |
| Fees | ||
| Top-up fee | 1.99% | 0% |
| FX fee | 0% | 0% |
| Monthly fee | none | none |
| ATM fee | 2.49% | not documented |
| Cashback | 1% in EUR | 8% in USD |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Hybrid | Custodial |
| Limits | ||
| Daily spend limit | $10000.0 | 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 | $15000.0 | not documented |
| Availability | ||
| Regions | EEA | GLOBAL, EEA, UK, APAC, LATAM |
| Network | Visa | Visa |
| Form factor | Physical + virtual | Physical + virtual |
| Apple Pay | no / unknown | yes |
Pick Bitrefill Card if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
Pick Wirex if
- Known fee stack (2.0 vs 0.0 % equivalents on a $500/mo profile)
- Higher documented cashback (8% vs 1)
- Wider documented availability
Bitrefill Card
exists - active; EEA-only Visa-Karte (Wallester AS), crypto-to-EUR at_load (1.99% + Spread), Cashback 1%+1% in EUR/Store-Credit statt BTC
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, Bitrefill Card or Wirex?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-11-02 · How we verify