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 (5.4/10 vs 4.7/10). The right pick still depends on your priority - see the flow comparison below.
 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 | no / unknown | yes |
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.
More head-to-heads
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 2026-09-21 · How we verify