RedotPay 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 4.7/10). The right pick still depends on your priority - see the flow comparison below.
 RedotPay |  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 | 0% | 0% |
| FX fee | 1.2% | 0% |
| Monthly fee | none | none |
| ATM fee | 2% | not documented |
| Cashback | none | 8% in USD |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | $100,000 per transaction, $1,000,000 daily (official fee table, effective 2025-12-01) | 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 | USD BIN: $3,750/day, $50,000/month, 3 withdrawals/day and 30/month (official fee table; note: in some countries/regions daily $3,000 and monthly $10,000 apply); HKD BIN: 23,000 HKD/day, 75,000 HKD/month | 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 | APAC, GLOBAL | GLOBAL, EEA, UK, APAC, LATAM |
| Network | Visa | Visa |
| Form factor | Physical + virtual | Physical + virtual |
| Apple Pay | yes | yes |
Pick RedotPay if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
Pick Wirex if
- Known fee stack (1.2 vs 0.0 % equivalents on a $500/mo profile)
- Higher documented cashback (8% vs 0)
- Wider documented availability
RedotPay
A heavily-marketed APAC crypto card whose fees and terms we could not independently verify (bot-blocked pages) - a verify listing: confirm the current fee schedule and issuer on their terms page before loading funds.
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, RedotPay or Wirex?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-09-21 · How we verify