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 | |
|---|---|---|
| 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 | not documented | 0% |
| FX fee | not documented | 0% |
| Monthly fee | none | none |
| ATM fee | not documented | not documented |
| Cashback | not documented | 8% in USD |
| Privacy & custody | ||
| KYC | Basic KYC | Full KYC |
| Custody | Self-custody | Custodial |
| Limits | ||
| Daily spend limit | GBP 30,000 per transaction and per day (GBP 30,000/month; higher with documented limit-increase review) | 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 | GBP 500/day, GBP 5,000/month, 5 withdrawals/day (official card-support FAQ, sourced from Wirex BaaS docs) | 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 | GLOBAL | GLOBAL, EEA, UK, APAC, LATAM |
| Network | Visa | Visa |
| Form factor | Virtual | Physical + virtual |
| Apple Pay | yes | yes |
Pick Nuri if
- Lighter KYC (Basic KYC vs Full KYC)
Pick Wirex if
- Higher documented cashback (8% vs none)
- Physical card option
- 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.
More head-to-heads
FAQ
Which is better for privacy, Nuri or Wirex?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-09-21 · How we verify