Wirex
Wirex Card — EEA electronic-money program
The card accesses an electronic-money balance. Currency exchange and network conversion are subject to the agreement and region-specific fees; current crypto conversion quotes are shown in the app.
Last updated: 2026-10-18 · Within the 14-day review window · For education and research. Not investment, legal, or tax advice.
Program lifecycle: ACTIVE · New applications: CONDITIONAL
- Issuer agreement and regional fee/limit schedules read; no application attempted.
- Current program documents do not guarantee an open application or individual approval.
Field review queue (14-day captured-evidence window)
- availability: 2026-10-18 · CURRENT · wirex-eea-card-terms, wirex-fees, wirex-limits
- residence: 2026-10-18 · CURRENT · wirex-eea-card-terms
- costRules: 2026-10-18 · CURRENT · wirex-fees, wirex-eea-card-terms
- fees.monthly: Unknown · UNKNOWN ·
- fees.issuance: 2026-10-18 · CURRENT · wirex-fees
- fees.funding: Unknown · UNKNOWN ·
- fees.conversion: Unknown · UNKNOWN ·
- fees.spread: Unknown · UNKNOWN ·
- fees.fx: Unknown · UNKNOWN ·
- fees.atm: Unknown · UNKNOWN ·
- fees.withdrawal: Unknown · UNKNOWN ·
- rewards: Unknown · UNKNOWN ·
Check captured residence conditions
This checks supplied residence facts only. Nationality, tax residence, issuance, shipping, account checks and individual acceptance are separate. Inputs stay in this page.
Calculate documented program fees
V2 teaching scenario. Enter converted card-currency principals before fees; no live FX or authorization. Missing event facts stay unknown. Inputs remain on this page.
Legacy aggregate limitations
These conservative v1 omissions remain for old callers. The explicit v2 scenario below can evaluate represented conditions; unknown prices and restrictions remain separate.
- Current crypto conversion quote / spread · Sources: wirex-fees
- Applicable currency conversion cost · Sources: wirex-eea-card-terms
- ATM operator charge · Sources: wirex-fees
- Other applicable account/funding charges not fully captured · Sources: wirex-fees, wirex-eea-card-terms
Captured terms, claims and unresolved facts
Source text is retained in its recorded language. Official documents are not a direct product test. Conditional charges below are not automatically recurring monthly charges.
Documented term · evidence-4
Agreement describes electronic money rather than a bank deposit and says the deposit compensation scheme does not apply; safeguarding is referenced.
rights; Clauses 2.3 and 24; EEA only · Terms checked: 2026-10-18
- Actual safeguarding performance
- Insolvency outcome
- Independent legal enforceability
Sources: Wirex Debit Mastercard Terms and Conditions (wirex-eea-card-terms)
Documented term · evidence-5
EUR 200 monthly allowance then 2% on excess; operator and FX charges may be additional.
fees.atm; EEA rows; monthly allowance and prior use matter · Terms checked: 2026-10-18
- ATM operator charge
- Current FX and crypto quote
Sources: Wirex Fees (wirex-fees)
Documented term · issuance-and-shipping
Issuance EUR 0; standard delivery EUR 5 or DHL delivery EUR 15 are separate conditional charges.
Wirex Fees — EEA card issuance and standard / DHL delivery rows · Terms checked: 2026-10-19
- Captured official terms, not directly tested or human approved.
- Only the named conditional fee/component is executable; unknowns remain separate.
Sources: Wirex Fees (wirex-fees)
Product structure
- Provider
- Wirex
- Issuer
- Transact Payments Malta Limited
- Program manager
- Wirex
- Card type / network
- Not verified / MASTERCARD
- Virtual / physical
- Yes / Yes
- Funding assets
- Not verified
- Funding methods
- Wirex electronic-money account; exact supported funding assets and charges require current app information
- Custody model
- CUSTODIAL
- KYC requirement
- REQUIRED
- Conversion mechanism
- The card accesses an electronic-money balance. Currency exchange and network conversion are subject to the agreement and region-specific fees; current crypto conversion quotes are shown in the app.
- Withdrawal conditions
- The captured EEA fee schedule gives the first EUR 200 of ATM withdrawals per month without a Wirex withdrawal charge and a 2% charge on the excess. ATM-operator and FX costs can still apply. Limits vary by region and current app conditions.
- Staking requirements
- Not verified
- Lock-up requirements
- Not verified
Eligibility
Unknown — do not assume eligibility.
The EEA agreement requires age 18 or older and EEA residence, excluding Cyprus and Liechtenstein, together with identity and address checks. · A complete machine-readable supported-country list was not supplied in the captured source handoff; no positive country list is inferred. · The country filter alone cannot evaluate the full application conditions or guarantee approval.
Eligibility checked: 2026-10-18
Wirex / Transact Payments Malta Limited
Fees and conditions
- monthly: Not verified
- issuance: 0 EUR · 2026-10-18 · Wirex
- funding: Not verified
- conversion: Not verified
- spread: Not verified
- fx: Not verified
- atm: Not verified
- withdrawal: Not verified
Rewards and conditions
Not verified
Risk disclosure
- Clause 24 says the electronic money is not a bank deposit covered by the Malta depositor compensation scheme; safeguarding is not unconditional insurance.
- Account verification, spending limits, suspension, redemption and complaints depend on the applicable contract.
- A regional fee schedule does not establish the cost of a specific currency pair or ATM operator.
- The page title says Debit Mastercard, but clause 2.3 calls the arrangement electronic money and says it is not a credit, charge or debit card or a bank account. cardType stays UNKNOWN rather than inventing a PREPAID mapping.
- ATM tiered fees cannot be safely reduced to one unconditional atm percentage in the current calculator schema.
- Physical delivery is EUR 5 standard or EUR 15 DHL Express in the captured EEA rows; delivery cost is separate from card issuance.
- Current monthly/annual fees, Cryptoback percentage/caps, local-card top-up rate and crypto conversion quote remain unknown.