Wirex review
Updated September 29, 2026 · VaultCue Editorial Team · Facts checked September 28, 2026
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Our verdict
Wirex suits travellers and expats who want to hold and spend across borders with local payout details in place. You pay monthly fee of $0 with currency conversion fee of 0% and balances across 40 currencies with transfers at free for daily use.
Key facts
- Best for
- Travellers and expats receiving pay across borders
- Monthly fee
- $0↗
- Currency conversion fee
- 0%↗
- Currencies
- 40↗
- Local account details
- IBAN, UK-sort-code, Us-ACH↗
- Free ATM withdrawals
- €200↗
- Transfer fee
- Free↗
- Legal entity
- Wirex Limited↗
- Headquarters
- United Kingdom↗
- Founded
- 2014↗
- Support channels
- Chat, Help-centre↗
- Pricing model
- No monthly fee, Low FX fees
- Features
- Free ATM withdrawals
- Official website
- wirexapp.com
Facts checked September 28, 2026, 5 sources
Apps and profiles
- Get the app
- App Store
- Elsewhere
- LinkedInXfacebook.com
Pros and cons
Pros
- Pay monthly fee of $0 so the account adds no fixed upkeep between trips
- Exchange balances with conversion fee of 0% which helps frequent cross border spend
Cons
- Support runs on chat and help centre only, which may frustrate those who prefer voice help
Who it suits
- Pick Wirex over eToro when you want local details such as IBAN, UK sort code and us ACH for receiving pay abroad
- Pick Wirex over bunq when you want conversion fee of 0% with monthly fee of $0 for travel use
Who should look elsewhere
- Consider Bit2Me instead if your priority is crypto exchange depth rather than everyday multi currency spending
- Consider eToro instead if your main activity is investing rather than holding travel balances
How Wirex compares
9.2 vs 8.7
9.2 vs 8.6
9.2 vs 8.0
9.2 vs 8.9Charges monthly fee of £0 if you want to compare fixed account costs side by side
9.2 vs 9.1
9.2 vs 9.2
9.2 vs 8.7
9.2 vs 8.7
9.2 vs 8.7
Wirex vs Skrill9.2 vs 9.0
9.2 vs 8.7
Wirex vs CitiBank AE9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9- Wirex vs UQPay9.2 vs 8.9
Wirex vs Kraken9.2 vs 8.7
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.3
9.2 vs 8.2
9.2 vs 8.1- 9.2 vs 8.1
9.2 vs 8.0
9.2 vs 8.0
9.2 vs 8.0
Wirex vs Revolut AU9.2 vs 9.1
Where Wirex is available
- Licence in El Salvador
- Superintendency of the Financial System of El Salvador, checked September 28, 2026
Frequently asked questions
Does Wirex charge a monthly fee for the account+
You pay monthly fee of $0 for the personal account, so there is no fixed upkeep for holding balances. This helps if you keep the account dormant between trips. You still should review transaction linked charges before moving funds.
What does Wirex charge for currency conversion+
Currency conversion fee is 0%, which keeps swapping balances predictable while travelling. Rates can still vary by market and timing. Check the live quote in the app before confirming a larger exchange.
How many currencies can I hold with Wirex+
Wirex supports balances in 40 currencies, which suits people paid or spending across regions. You can keep separate balances rather than converting each time. Availability of a given currency can change, so confirm coverage in the app.
Can I receive money with local account details+
Local details include IBAN, UK sort code and us ACH, which allow transfers through familiar domestic routes in those areas. This can make receiving salary or paying bills simpler. Use the exact details shown for each currency to avoid failed transfers.
Are transfers between balances free with Wirex+
Transfers are listed at free, which helps low cost movement between Wirex balances. Timing and network limits can still apply by route. Always confirm recipient details and limits shown before sending funds onward.
What ATM allowance does Wirex include+
Cash access includes an ATM allowance of €200, which helps with occasional withdrawals abroad. Limits reset under plan terms shown in help pages. For larger cash needs, plan additional withdrawals around the stated allowance.
Sources
- help.wirexapp.com checked September 28, 2026
Backs: Support channels
“CHAT WITH US - Wirex help”
- help.wirexapp.com/article/regulations-united-kingdom-1600 checked September 28, 2026
Backs: Headquarters, Legal entity
“Wirex Limited, whose registered office is ... London”
- help.wirexapp.com/article/wirex-fees-1379 checked September 28, 2026
Backs: Free ATM withdrawals, Transfer fee
“Free up to 200 EUR monthly, 2% thereafter - Wirex card”
- wirexapp.com checked September 28, 2026
Backs: Founded, Licences
“Wirex - foundingDate: 2014”
- wirexapp.com/personal checked September 28, 2026
Backs: Currencies, Features, Currency conversion fee, Local account details, Pricing model, Monthly fee
“Instant exchange between 40+ crypto and fiat currencies - Wirex One”
Compiled from 5 source pages, checked September 28, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection.