Provider at a glance
- Category
- Crypto Neobanks
- Entity
- Not verified
- Official website
- wirexapp.com
Independent rankingchecked How it works
Details
Scored 52 out of 100 under methodology 2026.10.18, from the evidence read on file.
Wirex
Payments app with crypto
Crypto Neobanks
#3 Overall
Ranked #3 of 7 crypto neobanks in the published ranking
52
ChainChoice Score
The ChainChoice Score, shown against 100: published scores run from 41 to 99.- Medium evidence confidence
Is Wirex right for you?
Look elsewhere if these come first
- Fiat covered by a real deposit guarantee3/10 here; N26 scores 8
- What happens to your coins if they fail2/10 here; Bitpanda scores 7
- Verified authorisation on both legs4/10 here; Bitpanda scores 8
- Computable conversion cost2/10 here; Bitpanda scores 6
Not yet tested for your country. Markets it lists: Global. Restricted: Canada, Japan, Philippines, Singapore, South Korea.
to test where you can use it.
The rank above is the published one, the same for every reader. Find my best crypto neobank shows where it lands for you.
What will Wirex cost you?
Not priced on this basis
- Payments per month
- 500
- Average payment
- $100
How safe is Wirex?
- Evidence: partial3 of 4 criteria rest on quoted, sourced receipts.
- LicenceMiCA (EU): no authorisation held. The register record
Alternatives to Wirex
Compare all 4- 4N261 point below · stronger on deposit protection (8 against 3)51
- 5Bitpanda3 points below · stronger on crypto asset safety (7 against 2)49
- 6Nexo9 points below · stronger on crypto asset safety (3 against 2)43
For your setup
Find out if Wirex fits you
The rank above is the published one — the same for every visitor. Answer the category's questions and this section shows where Wirex lands for you, which criteria your answers weight up, and which stated needs the record does or does not meet. The published rank stays beside it.
- A few questions
- No account required
- Ranking-blind: no commercial input
- Personalised in under 60 seconds
Find my best crypto neobankNothing is inferred from clicks, popularity or commercial value.
Why this rank
Why Wirex ranks #3
Each strength is read from evidence on a 0–10 ladder and weighted as the published methodology states. The 32 objective points these produce (9.1 here) sit inside the score; availability, friction, trust record and measured data add the rest.
4 published criteria · Σ weight 100
CriterionWeightStrength · 0–10ScoreContrib.MedianBestRankEvidence
353+3.365.08#5/7Loading evidence…
252+1.604.07#6/7Loading evidence…
254+3.207.09#5/7Loading evidence…
152+0.963.07#6/7Loading evidence…
Hairline = best in this ranking · tick = its median · a missing bar is "not scored", never zero
Margin−27behind Xapo Bank, #2
RobustnessOne point from changingacross a one-point change to each of its 4 criterion scores, the re-run scores 50–54 and ranks #3–#4
Evidence4 of 4 scored3 quoted, 3 with a source link
What would move the rank
Each line is the ranking run again with one of Wirex’s criterion scores changed and every other value held: the smallest whole-point change on that criterion that moves its rank, and where the re-run puts it. Up to 4 climbs and 3 falls are listed, smallest change first. Nothing here is a forecast.
Fiat covered by a real deposit guarantee 3 → 2 on its ladder · N26 passes it−150#3 → #4
What happens to your coins if they fail 2 → 1 on its ladder · N26 passes it−150#3 → #4
Verified authorisation on both legs 4 → 3 on its ladder · N26 passes it−150#3 → #4
Strengths
0 from the score dataWhere it leads
No scored criterion is at or within one point of the category best, so no strength can be stated from the data.
Tradeoffs
4 from the score dataWhere it trails
Not for readers who put first
- Fiat covered by a real deposit guarantee — 3/10 against a category best of 8/10
- What happens to your coins if they fail — 2/10 against a category best of 7/10
- Verified authorisation on both legs — 4/10 against a category best of 9/10
- Computable conversion cost — 2/10 against a category best of 7/10
Record watch-outs
- Its own help centre says crypto rates come from "multiple liquidity sources" with fees visible only "in the app" — so the spread is undiscoverable until you have already deposited. And there is a GBP 30 "Administrative Fee" charged on closure of any account Wirex deems to have violated its terms, which reads as a de-risking exit toll.
Competitive position
Where Wirex leads and where it trails
Rank on every objective dimension among the rows scored on it. A criterion in the top third of its pool is listed as a lead, the bottom third as a trail; the middle is neither. Popularity, size and commercial terms are not dimensions.
Availability#1 / 714.0 of 20 · pool best
Published criteria#6 / 76.8 of 30 · best 18.0
Friction#1 / 72.7 of 10 · constant here
Trust record#1 / 73.2 of 8 · constant here
Measured data#1 / 79.7 of 18 · pool best
Where Wirex leadsNo criterion in the top third of its pool.
Where it trails
- Fiat covered by a real deposit guarantee#5 / 7
- What happens to your coins if they fail#6 / 7
- Verified authorisation on both legs#5 / 7
- Computable conversion cost#6 / 7
Closest alternatives
The 3 nearest rows by score
Nearest by published score in either direction. Each card states the criteria on which the two rows differ and the cost difference under the same scenario inputs; the compare arithmetic below shows why the higher one ranks higher.
N26#4 of 7 · score 51 · 1.0 point behind
Wirex leads onNo scored criterion
N26 leads on
- Fiat covered by a real deposit guarantee8 vs 3
- What happens to your coins if they fail4 vs 2
- Verified authorisation on both legs7 vs 4
Largest single reason Wirex is ahead: availability (+20.8 display points).Scenario cost: N26 has no verified pricing for this scenario.
Bitpanda#5 of 7 · score 49 · 3.0 points behind
Wirex leads onNo scored criterion
Bitpanda leads on
- What happens to your coins if they fail7 vs 2
- Verified authorisation on both legs8 vs 4
- Computable conversion cost6 vs 2
Largest single reason Wirex is ahead: availability (+20.8 display points).Scenario cost: Bitpanda has no verified pricing for this scenario.
Nexo#6 of 7 · score 43 · 9.0 points behind
Wirex leads on
- Fiat covered by a real deposit guarantee3 vs 1
- Verified authorisation on both legs4 vs 2
Nexo leads on
- What happens to your coins if they fail3 vs 2
Largest single reason Wirex is ahead: published criteria (+5.7 display points).Scenario cost: Nexo has no verified pricing for this scenario.
Against the leader
81 vs 52 · gap 29.0Why Revolut ranks above Wirex
The compare workspace's arithmetic applied to these two rows. Each dimension's share of the gap is its weight × the difference, on the displayed scale — it reproduces the displayed gap of 29.0 to within rounding.
DimensionThisRevolutGap share
Availability · 23% weight14.014.0same
Published criteria · 35% weight6.818.0−29.1, worse
Friction · 12% weight · constant here2.72.7same
Trust record · 9% weight · constant here3.23.2same
Measured data · 21% weight9.79.7same
Published criterionThisRevolutPoints
Fiat covered by a real deposit guarantee · w3537−4.48, worse
What happens to your coins if they fail · w2527−4.00, worse
Verified authorisation on both legs · w2549−4.00, worse
Computable conversion cost · w1527−2.40, worse
Net5281−29.0
Your scenario
Wirex is not priced for this scenario
Percentage and fixed legs on each payment, for a year. Excludes chargebacks, FX markup and settlement fees priced separately. Change an input and every figure recomputes from the published rate; the published rank does not move.
your cost/yr · default scenario — set your own
Payments per month · your input500
Average payment · your input$100
Rate read from the provider’s published pricing ↗ on 14 September 2026.
your cost/yrCost is stated as your cost/yr in USD; it is never a yield, never annualised, and it does not enter the score.
Not priced on this basis
Under the default inputs · USDCategory medianNot priced0 of 7 rows priced
Cheapest pricedNone pricedDifference not stated · availability not applied — set your country to filter
7 of 7 rows in this ranking have no verified rate for this scenario and are absent from the median, not counted as free.
Evidence
No evidence reading date recorded
One row per published criterion: the page each strength was read from, its source type by domain, the reading date and whether the file and the published table agree. Open a row for the quote and the receipt.
4 of 4 cells scored
Score evidencePartial3 of 4 criteria reconstruct from receipts
3 of 4 criteria reconstruct from a quoted, sourced receipt.Public receiptsReading…3 quoted with a source URL
The receipt file has not been read yet.Evidence confidenceHighcoverage and corroboration, never freshness
4/4 criteria scored, with 3 dated sources quoted.RobustnessOne point from changingrank #3 to #4 across one-point re-runs
Whether the position holds when one criterion score is changed by one point and the ranking is run again. It is always a re-run of the ranking, never an estimate.Some criterion strengths have no observation on file, or their quote carries no source URL a reader could follow.
Reading the evidence ledger…
CriterionSourceTypeReadFreshnessStatusReceipt
Fiat covered by a real deposit guaranteestrength 3 · weight 35Report an error——
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.What happens to your coins if they failstrength 2 · weight 25Report an error——
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Verified authorisation on both legsstrength 4 · weight 25Report an error——
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Computable conversion coststrength 2 · weight 15Report an error——
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.How you can lose money here, and what the ranking scores
- Insolvency failure: the firm or issuer that owes you cannot pay.Scored by Fiat covered by a real deposit guarantee · 35% (Wirex 3/10)Scored by What happens to your coins if they fail · 25% (Wirex 2/10)
- Regulatory failure (Wirex 4/10): no licence where you are, or a forced market exit.Scored by Verified authorisation on both legs · 25%
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Execution failure, Exit failure, Information failure. A high place says nothing about these; the Methodology tab says what each means. Also scored, as cost, quality or a summary of several families: Computable conversion cost (15%).
Facts
facts, not scoresWhat the record publishes
- Pricing
- On the decisive number, the official fee article says nothing: "Exchange fees — Wirex taps into multiple liquidity sources to offer market-leading exchange rates. The rates vary depending on the currency pair and available liquidity. Associated fees can be viewed in the app." No percentage, no spread, no cap. What IS published: SEPA/Faster Payments/ACH/PIX deposits and withdrawals "Free"; "Transfers between Wirex Users and Off-chain transfers 0%"; card issuance free; ATM "Free up to 200 GBP monthly, 2% thereafter"; card delivery 5 GBP UK; and a "one-off fee of GBP 30" administrative fee on accounts closed for terms violations.Wirex — official pricing page ↗ · 14 September 2026
- Prices published in
- USDWirex — official pricing page ↗ · 14 September 2026
- Licences held
- United Kingdom: Registration / authorisation, European Union: Registration / authorisation
- Compliance level
- full
- Regulatory note
- Wirex Limited — FRN 902025, "Authorised Electronic Money Institution", e-money status effective 17 August 2018, confirmed on the FCA's own downloadable E-Money Firms register CSV (data as at close of business 3 August 2026). Registered office 9th Floor, 107 Cheapside, London EC2V 6DN.
- Supported chains
- Not published
- Markets served
- global
- Primary markets
- Not published
- Restricted markets
- Canada, Japan, Philippines, Singapore, South Korea
- Operating limits
- Not published
- Availability note
- Available in 130+ countries. The supported-countries table shows no Wirex account for Canada, Japan, Philippines, Singapore and South Korea, nor for Afghanistan, Algeria, Bangladesh, Belarus, Bolivia, Bosnia and Herzegovina, Central African Republic, China, Cuba, Democratic Republic of the Congo, Egypt, Ethiopia, Iran, Iraq, Kosovo, Lebanon, Libya, Morocco, Myanmar, Nepal, North Korea, Palestine, Qatar, Russia, Saudi Arabia, Sudan, Syria, Vatican City, Venezuela and Zimbabwe. For the US the table shows the Wirex account and crypto account as available and the card as N/A. The personal product has been relaunched as Wirex One (self-custodial wallet via Privy). EEA cards are issued by Transact Payments Malta; UK regulated service is Wirex Limited (FCA EMI); rest-of-world regulated service is DA Labs S.A.S. de C.V. (El Salvador).
No confirmed legal entity is on file for this record. Nothing is inferred from the brand name.
If something goes wrong with Wirex: where to complain, and where to report a scam
Loading the routes for your country.
How this page is reviewed
Reviewed means this product in this category was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
Accountable for this review: Mathias Siemonsmeier, Founder.
How we review · Review calendar · Corrections log · How we make money
History
What the record carries
Changes to published ranks are recorded in a ledger; every step and its cause is listed on the rank-history page. The entries below begin with the current verified snapshot, then the methodology versions whose changes applied to this category, newest first.
12 methodology entries
- currentCurrent verified snapshot · methodology 2026.10.18Score 52, #3 of 7. 4 of 4 criteria scored. History starts here; earlier values are not interpolated.
- 10 October 2026
2026.10.8When nothing serves your country, the list shown for reference is the published ranking · platform-wide- fixed The reference list shown when nothing serves your country is the published order with the published scores, and a build check now fails any such list out of that order or with a score the ranking does not publish.
- fixed The explorer prints an overall rank only for a row the published ranking holds; a country entrant such as Coinbase Commerce for US merchants shows no overall rank.
- changed Published orders do not move. Country results change only where nothing serves the country: in India bill pay keeps Bitcoin Well first and now shows Strike second, as published; 35 such runs across all categories and countries now match the published list exactly.
- 10 October 2026
2026.10.7Forty-one more products are offered only where their own quoted terms serve- fixed 141 country exclusions on 31 rows, each the name of a country the row's own quoted terms exclude: for example Mercuryo Hungary, China, Pakistan, Bangladesh, Chile, Colombia and Morocco; Gemini Custody the United Kingdom, Australia and the EU after its wind-down; Backed xStocks the US, Canada, the UK, Australia, Nigeria, the Philippines and Venezuela.
- changed Thirteen rows list the only countries their terms serve: Coins.ph the Philippines, Spritz bill pay, Brex, Unchained, WisdomTree, Franklin BENJI and AnchorWatch the United States (with its territories for AnchorWatch), PRYPCO Mint the UAE, N26 crypto seven EU countries, Gemini Tokenized Stocks the EU, XNET the US, Canada and the UK, Coldbit Steel and MetaMask Card the countries they list.
- changed Published (no-country) orders do not move. Country results change: in India six categories each lose one row (bill pay, cards, off-ramps, P2P, seed backup, tokenised real estate), and bill pay there has no row confirmed available, so it shows the published order marked as such; country pages list 23 fewer rows (24,357 to 24,334). The grounding test now matches full country names in any case, which shows seven earlier exclusions were quoted all along: the named debt of unquoted exclusions falls from 40 to 33 pairs.
- 10 October 2026
2026.10.6A criterion you require re-scores the rows that meet it · platform-wide- changed The explorer sends each criterion you require, at any band, as fit_required with your other answers; region, licence, chain and fact filters stay filters. On /best, a required criterion joins For you as a marked preference does, which needs your country; Overall stays the published ranking, filtered.
- added Every published criterion has a golden case as the explorer sends it (require:<criterion>), so the order a requirement gives is replayed and gated as the published order is, and a change to it needs an entry here.
Methodology 2026.10.18, the same published run every visitor sees · receipt crypto_neobanks:wirex:2026.10.18:de7616b99358
Are you Wirex? Reply to this verdict, or send evidence, ask for a correction or claim the listing. Every message gets a public ticket number; none of it changes a rank unless a public page or a signed statement supports it.