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Tangem Pay vs Wirex One Card

Wirex One Card scores higher on the G2M score: 74/100 against 62/100 (#4 and #15 of 26 cards). Pick Tangem Pay for cashback; pick Wirex One Card for a lower FX fee and more countries.

Tangem Pay62

#15 of 26 · 1% to 4% back · annual fee none

Get TangemRead the review
Wirex One Card74

#4 of 26 · 0.5% to 8% back · annual fee none

Get WirexRead the review

The short answer

  • Wirex One Card scores higher on the G2M score: 74/100 against 62/100 (#4 and #15 of 26 cards).
  • Tangem Pay pays more cashback on its entry tier: 1% against 0.5%. Higher tiers go up to 4% on Tangem Pay and 8% on Wirex One Card.
  • Neither card has an annual fee.
  • Wirex One Card charges less on foreign currency: a 0% FX fee against 1.5%.
  • Wirex One Card lists 73 countries where it works; Tangem Pay does not publish a full country list (50 confirmed so far). Of the markets we check for every card, only Tangem Pay is confirmed in United States, and only Wirex One Card is confirmed in United Kingdom and EU / EEA.
  • Both are self-custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
Tangem Pay
Wirex One Card
G2M score
62
74 (better)
Base cashback
1% (better)
0.5%
Max cashback
4%
8% (better)
Paid in
USDC
USD
Annual fee
Free
Free
FX fee
1.5%
0% (better)
Top-up fee
0% (better)
0.08%
Per-purchase fee
None listed
None listed
ATM
4% on Basic, 2% on Plus, 1% on Prestige
Premium tier and above
Network
Visa
Visa
Card type
Debit
Debit
Custody
Self-custodial
Self-custodial
Formats
virtual, physical, metal
virtual, physical
Apple / Google Pay
? / ?
Yes / Yes
India
Unclear
No
UAE
Yes
Yes
United States
Yes
No
United Kingdom
Unclear
Yes
EU / EEA
Unclear
Yes
Countries
Select regions worldwide
73
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
1 currency
3 currencies
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
No
Yes
Yield on your balance
No
Yes
Tiers
Basic · Plus · Prestige
Base · Premium · Elite · Private · Bespoke
Perks
Priority Pass lounges on Plus and Prestige · Welcome offer: 5% on your first $500 · 2 airport lounge visits a year · 8 airport lounge visits a year · Metal card
No locked funds required · AirRefund flight compensation · Up to 15% off SIXT · Visa Signature benefits

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, Tangem Pay or Wirex One Card?

Wirex One Card scores higher on the G2M score: 74/100 against 62/100 (#4 and #15 of 26 cards). Pick Tangem Pay for cashback; pick Wirex One Card for a lower FX fee and more countries. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, Tangem Pay or Wirex One Card?

Neither card has an annual fee. Wirex One Card charges less on foreign currency: a 0% FX fee against 1.5%.

Which pays more cashback, Tangem Pay or Wirex One Card?

Tangem Pay pays more cashback on its entry tier: 1% against 0.5%. Higher tiers go up to 4% on Tangem Pay and 8% on Wirex One Card.

Which works in more countries, Tangem Pay or Wirex One Card?

Wirex One Card lists 73 countries where it works; Tangem Pay does not publish a full country list (50 confirmed so far). Of the markets we check for every card, only Tangem Pay is confirmed in United States, and only Wirex One Card is confirmed in United Kingdom and EU / EEA.

Who holds my funds with Tangem Pay and Wirex One Card?

Both are self-custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.