Fold Card vs Wirex Card
The short answer
Winner: Wirex Card — 7/10 versus 6.8/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Fold Card
KYC
Wirex Card
KYC
Score
Annual fee
$149
Free
Monthly fee
Free
Free
Cashback
0%
2%
ATM fee
Free
2%
FX fee
3%
Free
Per transaction
$15k
$30k
Daily limit
$15k
Unlimited
Monthly limit
$50k
$30k
KYC
KYC
KYC
Card type
Debit
Debit
Custody
Custodial
Custodial
Conversion fee
1.5%
1%
ATM per transaction
$400
$200
Network
visa
visa
IBAN
✗
✓
Apple Pay
✓
✓
Google Pay
✗
✓
Countries
1
20
Coins
BTC
BTC, ETH, USDC, USDT, XRP
Fold Card vs Wirex Card FAQ
On our composite score Wirex Card edges ahead (7/10 vs 6.8/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.