Winner: Wirex
Wirex takes it 2–1. Ripio Card converts cheaper (0–1.5%); Wirex pays more back (Up to 8%); Wirex covers more regions.
Comparing Wirex with Ripio Card is mostly a geography exercise: the two products are licensed for different markets. Wirex charges 1–2% per conversion — more than Ripio Card at 0–1.5% — so heavy users save more with Ripio Card. Wirex answers with Up to 8% cashback, though headline rates like this almost always require a staking tier or monthly volume most people never reach.
0–1.5% vs 1–2%
Up to 8% vs Up to 5%
Both require Full KYC
4 regions vs 1
Lower conversion cost (0–1.5%) on every purchase.
Up to 8% against Up to 5%.
Virtual/Physical card covering EU, UK, US, Global.
Settles directly from BTC, ETH, USDT, DAI +30.
Only Wirex is available in US.
Only Wirex is available in EU.
Wirex. Wirex takes it 2–1. Ripio Card converts cheaper (0–1.5%); Wirex pays more back (Up to 8%); Wirex covers more regions.
In most countries yes: paying with either card converts crypto to fiat, which is a disposal. The card you pick does not change that — see our guide on crypto card taxes.
Yes. Many users keep Ripio Card for everyday spending because of its lower conversion cost and Wirex for categories where its rewards apply.
Yes. Ripio Card converts at 0–1.5% against 1–2%, a difference of about $7.50 per $1,000 spent.
Wirex, at Up to 8% versus Up to 5%. Top rates normally require a staking or volume tier.
See every card side by side with full specs and filters.
Compare All CardsNews & Articles
Fresh guides and reviews from the CryptoCardIndex desk