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Wirex review

Spend your crypto and fiat currencies worldwide at interbank rates and with no fees.

Wirex is a borderless payment platform that lets you hold, spend and manage both fiat currencies and cryptocurrencies. It includes a wallet app and payment card that allows users to exchange multiple fiat and digital currencies at interbank and OTC rates.

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Monthly fee


Domestic ATM fee


Currency conversion fee


Product NameWirex Standard
Monthly feeS$0
Card delivery5 business days
Supported CurrenciesSGD, AUD, CAD, EUR, GBP, HKD, JPY, NZD, USD, CHF, CZK, MXN
Card feeS$5
Domestic ATM fee2% per payment
International ATM fee2%
Currency conversion fee0%
Free ATM withdrawal limitS$400 per month
Mobile paymentsApple Pay, Google Pay
Card typeMastercard, Visa
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More Info

How does Wirex work?

Launched earlier in November of last year, UK-based PayTech Wirex introduced their Wirex Visa Travelcard at the Singapore FinTech Festival. The travel card is compatible with more than 150 currencies and provides users with the option to link up to 12 traditional currencies and eight digital currencies at interbank and OTC rates.

To sweeten the deal, Wirex also offers a reward programme known as Cryptoback, which generates up to 2% back in WXT (Wirex Token) on all in-store and online purchases you make on the card.

Wirex is also a payment platform for buying, selling, storing, exchanging and transferring cryptocurrencies, making it a hybrid between traditional banking and cryptocurrencies.

Key features

The app is simple, user-friendly and streamlined. With Wirex, you can do the following:

  • Make international payments. The app lets you transfer money to anyone in the world at the interbank exchange rate.
  • Fee-free global spending. Your Wirex card automatically makes overseas payments in the local currency at the interbank rate without charging any exchange fees.
  • Free ATM withdrawals. You can withdraw from overseas ATMs for free, up to S$400 per month.
  • Hold different currencies in your account. You can hold a balance or make an exchange in eight digital and 12 traditional currencies within the app, including SGD.
  • Control your card and account. You can block and unblock your card in the Wirex app as well as set monthly spending limits.
  • Earn crypto rewards. Generate up to 2% in WXT on all your in-store purchases.
  • Worldwide acceptance. Wirex cards can be used wherever Visa is accepted, whether in stores or online at over 61 million merchant locations around the world.
  • Buy, hold and spend cryptocurrency. With Wirex, you can exchange, hold and spend in eight cryptocurrencies: Bitcoin (BTC), Ether (ETH), Litecoin (LTC), Ripple (XRP), Wirex Token (WXT), Dai (DAI), Nano (NANO) and Stellar Lumens (XLM).
  • Convenient top-up. Reload your value anytime with a credit card, debit card or using cryptocurrency transfer.
  • Instant notifications. Keep track of your payments with live in-app notifications instantly each time a transaction is made.

How do Wirex's accounts work

Wirex offers three account tiers: Standard (S$0/month), Premium (S$9.99/month) and Elite (S$29.99/month).

Fees and limits

  • S$0 account management fee
  • S$0 ATM fee if you withdraw less than S$400 per month, a 2% fee thereafter
  • Cryptoback rewards of up to 2%
  • If your card isn’t confirmed, you can’t use it to top up more then USD$50. If the card is confirmed you can load up to USD$5,000.
  • Daily spending limit of S$5.000
  • 1% fee to top up your crypto account.

The verdict

Wirex is an app to consider if you want a convenient digital account with impressive cryptocurrency functionality. You can buy, hold and sell multiple fiat and digital currencies and enjoy easy account management and top up. There’s also no monthly fee.

However, if you are looking for a digital bank account with spending analytics and savings functions, you may want to consider another app.

How to sign up

Signing up for Wirex is easy. Just click “Go to Site” on this page and then follow this process:

Once your Wirex account has been successfully verified, you can request a contactless Wirex card. Simply click the “Order a card” button on the dashboard of your Wirex web application or mobile app, confirm your delivery address and select your delivery method. Enjoy free standard delivery via Singpost, or opt for trackable express delivery via DHL at an additional charge of S$5 to S$25.

Compare Wirex with other digital banks in Singapore

Name Product Monthly fee Card delivery Supported currencies Mobile payments
Canvas Pre-paid Visa Card and App
Up to 8 business days


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Finder special offer of 30 days free trial and $10 credit on each kid’s card upon activation.

Manages your kids’ pocket money and domestic helpers’ access to household expenses digitally.
Wirex Standard
5 business days


Apple Pay, Google Pay

Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

A multi-currency card that supports over 150 currencies, including more than 8 cryptocurrencies at interbank rates.
5-8 business days


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Use promo code FINDER5 to earn $5 on signup.

A prepaid Mastercard with no monthly fees, contactless payment features and fee-free transactions in over 150 currencies. NOTE: Promo code valid for new signups and Singapore residents only.
Revolut Standard
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Apple Pay, Google Pay

Get 20% cashback on all eligible public transport expenses in Singapore when you pay with Revolut. Valid until 31 December 2021.

Enjoy no monthly fees, competitive currency conversion rates, and spend in over 150 currencies with Revolut’s Standard card.

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