Gate Card vs Wirex
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer Wirex wins overall (5.4/10 vs 3.2/10). The right pick still depends on your priority - see the flow comparison below.
 Gate Card |  Wirex | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| Lightning funding | no | no |
| BTC sale timing | Not documented | Not documented |
| Fees | ||
| Top-up fee | not documented | 0% |
| FX fee | not documented | 0% |
| Monthly fee | not documented | none |
| ATM fee | not published ('ATM withdrawals may incur fees from the card issuer') | not documented |
| Cashback | 8% in points (redeemable for USDT or GT) | 8% in USD |
| Privacy & custody | ||
| KYC | Full 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 | not documented | not documented |
| Availability | ||
| Regions | unknown | GLOBAL, EEA, UK, APAC, LATAM |
| Network | ? | Visa |
| Form factor | Physical + virtual | Physical + virtual |
| Apple Pay | no / unknown | yes |
Pick Gate Card if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
Pick Wirex if
- Wider documented availability
Gate Card
The least documented program in this comparison: an exchange card whose issuer is not named anywhere on the product page, with no published fee schedule for issuance, monthly, top-up, FX or ATM, cashback paid as points redeemable for USDT/GT rather than as cash, and an availability statement ("non-restricted countries or regions") without a published list. Instant Spend Mode can pay directly from a BTC balance and the 8% points headline is large - but until the issuer, the fee table and the conversion timing are published, every number on the page is an advertisement, not a fact.
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, Gate Card or Wirex?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-10-05 · How we verify