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Moon vs Wirex

Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.

Moon - illustration (AI-generated, not the official card design)
Moon
3.8
Basic KYCCustodialLightning
Get Moon
Higher score Wirex - illustration (AI-generated, not the official card design)
Wirex
5.4
Full KYCCustodialBTC via in-app conversion
Get Wirex

Short answer Wirex wins overall (5.4/10 vs 3.8/10). The right pick still depends on your priority - see the flow comparison below.

Moon Wirex
Bitcoin flow
BTC loadDirect BTC top-up (on-chain) + LightningBTC via in-app conversion
Lightning fundingyes - loads the cardno
BTC sale timingNot documentedNot documented
Fees
Top-up feenot documented0%
FX fee0%0%
Monthly feenonenone
ATM feenot documentednot documented
Cashbacknone8% in USD
Privacy & custody
KYCBasic KYCFull KYC
CustodyCustodialCustodial
Limits
Daily spend limitnot documented30,000 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 limitnot documented750 EUR/day and 5,000 EUR/month (physical + metal card; virtual card N/A). Limits may vary by region.
Max loadnot documentednot documented
Availability
RegionsGLOBALGLOBAL, EEA, UK, APAC, LATAM
NetworkVisaVisa
Form factorVirtualPhysical + virtual
Apple Payno / unknownyes

Pick Moon if

  • Lighter KYC (Basic KYC vs Full KYC)
  • Lightning funding that actually loads the card

Pick Wirex if

  • Higher documented cashback (8% vs 0)
  • Physical card option
  • Wider documented availability

Moon

Watch - do not load funds. The Lightning-funded virtual card worked until late November 2025, then cards were blocked en masse and withdrawals stalled (documented cases). Support has gone silent while the site still markets the product.

Full review

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.

Full review

More head-to-heads

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FAQ

Which is better for privacy, Moon or Wirex?
Moon requires Basic KYC, while Wirex requires Full KYC. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
Moon: Not documented. Wirex: Not documented. Sale timing determines your price exposure between loading and spending.
Which is cheaper overall?
Compare the full stack - top-up, FX, monthly, ATM - against your own spending mix in the fee calculator. Headline numbers alone flip with real usage.

Facts checked 2026-09-21 · How we verify