Vivid Money 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 (5.2/10 vs 4.5/10). The right pick still depends on your priority - see the flow comparison below.
Who wins what
WirexKnown fee stack (1.0 vs 0.0 % equivalents on a $500/mo profile)- WirexHigher documented cashback (8% vs 4)
- WirexApple Pay support
- WirexGoogle Pay support
- WirexPhysical card option
- WirexWider documented availability
Rule-based on the documented facts below - no judgement calls.
 Vivid Money | 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% | 0% |
| Monthly fee | none | none |
| ATM fee | 3% | not documented |
| Cashback | 4% | 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 | EEA | GLOBAL, EEA, UK, APAC, LATAM |
| Network | Visa | Visa |
| Form factor | Virtual | Physical + virtual |
| Apple Pay | yes - Cards FAQ: 'Can I add my card to Apple Pay or Google Pay? Yes. Every Vivid card is ready for both wallets, so you can start paying straight away.' | no (not documented as of 2026-11-07) |
| Google Pay | yes - Cards FAQ: 'Can I add my card to Apple Pay or Google Pay? Yes. Every Vivid card is ready for both wallets, so you can start paying straight away.' | no (not documented as of 2026-11-07) |
| ATM withdrawal | yes (card + PIN 3%) | yes (card + PIN) |
Pick Vivid Money if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
Pick Wirex if
- Known fee stack (1.0 vs 0.0 % equivalents on a $500/mo profile)
- Higher documented cashback (8% vs 4)
- Physical card option
- Wider documented availability
Vivid Money
Vivid's consumer crypto card is alive and regulated: free-first physical Visa, 300+ coins from EUR 1 under a Dutch AFM MiCAR CASP licence (custody via Copper), 2% default crypto trading fee and plan-capped cashback. The B2B pivot is real but the personal product demonstrably operates - with a documented 2026 freeze/support complaint pattern typical of partner-rail neobanks.
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.
FAQ
Which is better for privacy, Vivid Money or Wirex?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-11-07 · How we verify