Name: Nexo Card
Brand: Wirex
Availability: InStock
Rating: 8.1 (5623 reviews)

World rating

4.9

Rating in Europe

4.1

Brand reliability rating

4.4

Rating by fees and limits

7.6

Customer service rating

6.3

Pros:

Cons:

Description

Wirex Card bridges traditional finance with crypto utility in a format that emphasizes accessibility. It supports both physical and virtual formats — the virtual card remains active indefinitely unless compromised, while the physical one has a 3-year validity. Users can make purchases globally, with crypto automatically converted to fiat at the point of sale. However, the approximately 1.5% conversion spread can add up, and ATM withdrawals are only free up to €200 per month. While it supports Apple and Google Pay, direct integration requires a workaround through Curve. KYC verification is mandatory before use, positioning Wirex as a hybrid option for users who value ease of access over total decentralization.

Main characteristics

Name	Value
Visa or MC	MasterCard
Support for Stablecoins	Not Specified – the provided text does not explicitly state support for stablecoins.
Beneficiary	Issued in the cardholder’s name – the card is personalized and linked directly to your Wirex asset account.
Card Issuer	Wirex Ltd – as indicated on the back of the card.
Denominated In	Euro (EUR) – the card is denominated exclusively in Euro.
Supported Cryptocurrencies	Supports 159 cryptocurrencies – offering a broad selection (see “Show All (159)”).
Supported Countries	37 Countries – available in countries such as Australia, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, and others (see “Show All (37)”).
Foreign Exchange Fee	0% – no fee is charged for currency exchange.
Crypto to Fiat Conversion	Auto on Every Purchase – crypto is converted automatically to EUR at the time of purchase.
Monthly Fee	0.00 EUR – there is no monthly fee for using the card.
Monthly Inactivity Fee	5.00 EUR – a monthly inactivity fee of 5.00 EUR is charged if the card remains unused.
Interest Rate	N/A – as a debit card, no interest rate applies.
Highest Cashback	Up to 8% cryptoback – for users meeting enhanced conditions (with higher monthly fees or WXT lockup).
Entry-Level Cashback	1% – entry-level users qualify for a 1% cryptoback.
Entry-Level Cashback Monthly Cap	10,000 WXT (~30 EUR) – the maximum entry-level cryptoback is capped at 10,000 WXT (approximately 30 EUR) per month.
Daily Spending Limit	30,000 EUR – the card offers a generous daily spend limit of up to 30,000 EUR.
Daily ATM Withdrawal Limit	500 EUR – you can withdraw up to 500 EUR per day from ATMs.
ATM Withdrawal Fee - Fixed Local	Approximately 3 EUR – a fixed fee (e.g., the ATM operator fee) is applied on local ATM withdrawals.
ATM Withdrawal Fee - Percent Local	2% – an additional 2% fee is applied on local ATM withdrawals.
ATM Withdrawal Limit Monthly - Basic	Not Offered – there is no specified monthly free ATM withdrawal allowance beyond the daily limit.
No Fee ATM Withdrawal Monthly - Basic	200 EUR – free ATM withdrawals are provided for up to 200 EUR per month (the ATM Withdrawal Fee is waived for the first 200 EUR withdrawn).
Card Form Mechanism	Both Physical and Virtual – Wirex Card is available in both physical and virtual formats. The physical card is mailed to you, and the virtual card is available instantly after KYC verification.
Attached to a Bank Account	Yes – Wirex offers a personal bank account linked to the card.
Bank Account Offered	Yes – you receive a Malta-based IBAN bank account number issued in your name.
Bank Account Country	Malta – the associated bank account is based in Malta.
Bank Account Type	IBAN Bank Account – a traditional IBAN?based debit account is provided.
Can Receive From Third Party	No – third?party deposits are not allowed, only deposits from accounts in your name can be received.
Availability	Available for residents in Europe, including Poland – the card is supported in 37 countries and is available for Polish residents.
Region	Europe – the card is tailored for the European market.
Crypto Asset Management	Custodial – Wirex manages your crypto keys on your behalf.
Cost to Order Physical Card	Not Specified – no additional cost information is provided for ordering the physical card.
Cost to Order Virtual Card	Not Specified – typically free, the virtual card is available instantly after KYC.
Full Spread	~2% – the total crypto-to-EUR conversion cost, including all fees and spreads, is approximately 2%.
Load Fee	Not Specified (Assumed 0%) – no additional load fee is mentioned.
Sell Spread	~0.5% – a sell spread of approximately 0.5% is applied during crypto conversion.
Transaction Fee	0% – there are no extra transaction fees.
BIN Number	53738934 – the BIN is printed on the card.
Issuing Country	Lithuania – the card is issued in Lithuania.
Validity Period	3 years – the Wirex Card is valid for 3 years from the date of issuance.
Card Network (Visa or MC)	Visa and MasterCard – the card is issued on both networks, ensuring global acceptance and secure transactions.
Card Type (Debit or Credit)	Дебетова картка функціонує виключно як дебетова картка, підключаючись до вашого вибраного рахунку активів на платформі Wirex.
Apple Pay/Google Pay Availability	Google Pay is not explicitly mentioned., Not Enabled – Apple Pay is not enabled
Recharge Methods (SEPA, SWIFT, P2P)	Not Applicable – the card is connected directly to your crypto balance on the platform, traditional fiat recharge methods (SEPA, SWIFT, P2P) are not used.
KYC Requirements (Levels)	Mandatory KYC Identity Verification is required to activate the card, specific verification levels are not detailed.
Instant Conversion	Yes – conversion occurs automatically at the time of purchase.
Fiat Supported (EUR/USD/GBP etc.)	Euro (EUR) – the card is denominated in and transacts solely in Euro.
Crypto Cashback	Up to 8% cryptoback – available for users who meet enhanced criteria, entry-level users receive 1% cryptoback capped at 10,000 WXT (~30 EUR) per month.
Crypto Deposit Fee	Not specified – no additional fee information for crypto deposits is provided.

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