Wirex One

Wirex

About this app

Wirex One is premium banking built for people who expect more from their money. Up to 8% cashback paid in USD. Up to 9% APY on savings. Borrow against your crypto. Zero-fee FX and ATM worldwide. No subscription. And you truly own your assets — not us, not any company.

One app replaces your bank, your brokerage, and your savings product.
CASHBACK THAT ACTUALLY PAYS: Earn up to 8% cashback on everyday spending, paid in USD and redeemable instantly. Not in a volatile token. Not in points. Real money, in your account, the moment you spend. Most platforms offer a fraction of this — or lock rewards behind significant token staking requirements.
EARN UP TO 9% APY: Grow your savings with up to 9% APY on stablecoins and other assets through the Earn feature. Choose flexible terms to withdraw anytime, or fixed terms for higher rates. You opt in — your balance never auto-earns. You always know exactly what you're earning and on what terms.
BORROW WITHOUT SELLING: Need liquidity? Borrow against your crypto instantly. No credit check. No selling. No forced liquidation of your position. Access your wealth without giving it up.
TRULY OWN YOUR ASSETS: Your assets are held in non-custodial wallets — Wirex never holds or controls your funds. Built on Circle Arc blockchain through our partnership with Circle, with wallet security powered by Privy. Enterprise-grade protection (SOC 2 Type II, 99.99% uptime) with an experience that feels like any banking app. No seed phrases. No wallet addresses. Just tap and pay.
ZERO FEES. EVERYWHERE.: Interbank FX rates with 0% markup on eligible transactions. Zero-fee ATM withdrawals on eligible plans. No subscription fee — ever. Perks are unlocked through WPAY token holding as a percentage of your portfolio, not a monthly charge.
INVEST 24/7: Trade crypto at competitive rates, around the clock. No market hours. No separate brokerage account.
PREMIUM VISA CARD BENEFITS : TWirex One cards are issued on Visa Platinum and Visa Signature, with built-in benefits at no extra cost: — Airport lounge access at 1,200+ lounges worldwide — Visa Luxury Hotel Collection: room upgrades, breakfast for two, VIP status at 900+ properties — Visa Concierge available 24/7 — Sixt car rental discounts and Five Star loyalty status — Air Refunds: flight compensation up to €600 — Purchase protection, extended warranty, and global auto rental insurance
BUILT FOR HIGH EARNERS AND GLOBAL CITIZENS : Whether you're managing a crypto portfolio, earning across borders, or looking for a real upgrade from your current bank — Wirex One is designed around you. Multi-currency accounts. Global card delivery via DHL. Stablecoin-native infrastructure that works everywhere.
BUILT ON INSTITUTIONAL INFRASTRUCTURE: Principal Member of both Visa and Mastercard — one of the few fintech companies globally to hold both. Built in partnership with BlackRock and Goldman Sachs on enterprise-grade foundations. Security and compliance are not afterthoughts — they're the foundation.

— Up to 8% cashback in USD
— Up to 9% APY (flexible or fixed)
— Crypto-backed credit
— Zero-fee FX and ATM globally
— True asset ownership
— Visa Platinum and Signature perks
— No subscription fee

Rates are variable. Crypto assets carry risk and values can go down. Terms and eligibility apply.
Download Wirex One. Replace your bank.

What’s new

Premium banking is here. Up to 8% cashback in USD, 9% APY, zero-fee FX & ATM, and credit against your holdings. No subscription. You truly own your assets