Wirex vs Xapo Bank
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer: too close to call on the weighted score. The decision is your use case: check the bitcoin-flow rows below.
 Wirex |  Xapo Bank | |
|---|---|---|
| Overall score | 5.4 | 5.6 |
| BTC load | BTC via in-app conversion | Direct BTC top-up (on-chain) |
| BTC sale timing | Not documented | Not documented |
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Top-up fee | 0% | 0% |
| FX fee | 0% | 0% |
| Monthly fee | none | $83.33 |
| Cashback | 8% in USD | none |
| Regions | GLOBAL, EEA, UK, APAC, LATAM | GLOBAL |
Pick Wirex if
- Known fee stack (0.0 vs 16.7 % equivalents on a $500/mo profile)
- Higher documented cashback (8% vs 0)
- Wider documented availability
Pick Xapo Bank if
- you match none of Wirex's edge cases - the closer score makes it the default
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.
Xapo Bank
The only true bank in the comparison: a Gibraltar credit institution with deposit-guaranteed USD, savings interest paid daily in BTC and worldwide card spending with no FX fees. The $1,000/year membership makes it a wealth product, not a spending card - it pays off for balances where the 3.35% yield outruns the fee.