Nuri 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.
 Nuri |  Wirex | |
|---|---|---|
| Overall score | 3.2 | 5.4 |
| BTC load | Direct BTC top-up (on-chain) | BTC via in-app conversion |
| BTC sale timing | Not documented | Not documented |
| KYC | Basic KYC | Full KYC |
| Custody | Self-custody | Custodial |
| Top-up fee | not documented | 0% |
| FX fee | not documented | 0% |
| Monthly fee | none | none |
| Cashback | none | 8% in USD |
| Regions | GLOBAL | GLOBAL, EEA, UK, APAC, LATAM |
Pick Nuri if
- Lighter KYC (Basic KYC vs Full KYC)
Pick Wirex if
- Higher documented cashback (8% vs none)
- Wider documented availability
Nuri
The old Nuri bank is dead (2022 insolvency, customers moved to Vivid) - but the brand relaunched at nuri.com as an Estonian self-custody wallet with a free Visa card, IBAN and 130-country reach. Verify listing: card issuance, fees and the provider stack behind the banking rails are unverified; no community track record exists yet.
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.