Wirex One Card vs Bitpanda Card: which wins?

Cashback, annual fee, FX and ATM charges, custody and country availability — both cards on the same fields, taken from each issuer's published terms; each card page shows when its data was last verified.

DEBITWirex One logo
CASHBACK
8%
ANNUAL FEE
Free
WIREX ONE CARD
WIREX ONE
VISA/MASTERCARD

Wirex One Card

Wirex One
  • High cashback
  • No fees
  • Self-custody
  • No staking
DEBITTransact Payments Malta Ltd logo
CASHBACK
1%
ANNUAL FEE
Free
BITPANDA CARD
TRANSACT PAYMENTS MALTA LTD
VISA

Bitpanda Card

Transact Payments Malta Ltd
  • No fees
  • No FX fees
  • No staking
  • Apple Pay
OUR SCORE

How we rate them

Our own assessment, not a user rating — four criteria at 25% each, scored against each issuer's published terms. See the scoring model.

Editorial scores for the Wirex One Card and the Bitpanda Card
CriterionWirex One CardBitpanda Card
Overall4.2 / 54.1 / 5
Cost 25%5.0No monthly, annual or card fee, 0.35% FX (confirmed by Wirex) and a free monthly ATM allowance.4.5No account, card or monthly fee and no Bitpanda FX markup. ATM withdrawals cost 2% (minimum €2), and a replacement card is €5.90.
Conditions 25%3.7Elite's 3% needs a $2,500 balance with 3% held in WPAY — nothing locked. The advertised 8% needs $50,000, more than twice the scored rate.4.5No stake, plan or balance is needed, but cashback only applies when you fund a purchase with crypto — paying with EUR, stablecoins, metals or stocks earns nothing.
Rewards 25%4.5Elite pays 3% in USD — about $45 at $1,500 spend, well within its $300 monthly redemption cap.3.0A flat 1% on crypto-funded purchases, paid in whatever asset you spent, so there is no separate token to sell and no cap to run into.
Reliability 25%3.5Wirex has been operating since 2014, and its team kindly confirmed the current FX fee (0.35%) for us. This score reflects one detail on its public pages that hasn't caught up yet: the card page and help centre still describe FX as free. We'll happily review this score once those pages are updated.4.5Regulated EMI issuer (Transact Payments Malta), a long-running exchange, and fees and limits documented in its own help centre.
Wirex One Card

Wirex One is a strong all-in-one crypto card with up to 8% USD cashback, self-custody, no monthly membership fee and broad banking functionality. Its biggest weakness is the requirements for higher membership tiers, which require substantial portfolio balances and WPAY holdings. The cashback redemption limits also restrict how quickly large rewards can be withdrawn, although unused rewards roll forward. Overall, Wirex One earns 4.1/5 for combining unusually strong rewards and features with meaningful tier requirements.

QUICK VERDICT

Who wins on what

  • HIGHER HEADLINE CASHBACK
    Wirex One Card
    Up to 8% vs 1%
  • KEEPS YOUR KEYS
    Wirex One Card
    spends from your own wallet, not a custodial balance

Only stated where the published data supports it. A card with a tiered or conditional fee is not counted as free.

THE SHORT VERSION

How they actually differ

  • Rewards arrive in different assets: USD on the Wirex One Card, The same crypto you spend on the Bitpanda Card.
  • Wirex One Card runs on Visa/Mastercard; Bitpanda Card runs on Visa.
EVERY FIELD

Wirex One Card vs Bitpanda Card, side by side

Full field-by-field comparison of the Wirex One Card and the Bitpanda Card
FieldWirex One CardBitpanda Card
Card typeDebitDebit
NetworkVisa/MastercardVisa
Max cashbackUp to 8%1%
Rewards paid inUSDThe same crypto you spend
Annual feeFreeFree
Monthly feeNoneNone
FX fee0.35%
Confirmed by Wirex's team. Some Wirex pages still list FX as free.
0%
ATM feeFree up to $100-$2,500/month by tier; unlimited for Bespoke; 2% after the allowance2% or €2 minimum, whichever is higher
Crypto conversion—Free
(conversion spread applies)
Where it worksAndorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, United Kingdom, Australia, Hong Kong, Japan, Macao, Malaysia, New Zealand, Philippines, South Korea, Taiwan, Thailand, Azerbaijan, Bahrain, Georgia, Kazakhstan, Oman, United Arab Emirates, Uzbekistan, Ghana, Kenya, Nigeria, South Africa, Uganda, Argentina, Brazil, Chile, Colombia, Ecuador, El Salvador, Mexico, Panama, PeruAustria, Belgium, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, Spain (euro-area residents only; NOT available in: UK)
Self-custodyYesNo
No staking neededYesYes
Apple PayYesYes
Google PayYesYes
Virtual card——

A dash means the issuer has not published that figure — it does not mean zero. See our methodology for how each field is verified. Rewards and availability change often and vary by region. Not financial advice.

GO DEEPER

Read the full review of each

Wirex One Card review →Bitpanda Card review →Compare three cards instead

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