Wirex One

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.

Recent changes:
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