KOSH Card vs Wirex Card EEA
The first number to check is net annual cost: €0 for Wirex Card EEA versus €10 for KOSH Card. On cashback Wirex Card EEA wins (up to 8%). In our editorial rating Wirex Card EEA leads (4.3 vs 2.5). In short: KOSH Card if your usage matches its strength, Wirex Card EEA otherwise — the numbers above beat any slogan.
| KOSH Card | Wirex Card EEA | |
|---|---|---|
| Tier | C | A |
| Rating | ★ 2.5 | ★ 4.3 |
| Estimated net annual cost | €10 | €0 |
| Account fee | Free | Free |
| Multi-currency | USD, EUR, GBP, AED | Yes · 9 currencies |
| Network | Visa | — |
| ATM withdrawal | not declared | not declared |
| Free ATM limit | 250 USD per withdrawal | — |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | US, EEA, LATAM, MENA, APAC · 90+ countries | EEA, UK, APAC, LATAM · 130+ countries |
| Segment | B2C, B2B | B2C |
| IBAN | — | dedicato · LT |
| Outbound transfers to third-party IBANs | — | Yes |
| Utility direct billing | — | No |
| SEPA direct debit (SDD) | — | No |
| SEPA transfer | — | Free |
| Interest on balance | — | 16% |
| Regulator | — | Bank of Lithuania |
| OAM Italy registration | — | Yes |
| Regions | US, EU/EEA, LATAM, MENA, APAC | EU/EEA, UK, APAC, LATAM |
| Licences & safety | Opera tramite partner bancari e custodi regolamentati di terze parti (non divulgati); KOSH si dichiara fintech, non una banca | VASP LT + EMI partner |
Frequently asked questions
KOSH Card vs Wirex Card EEA: which is better?
The first number to check is net annual cost: €0 for Wirex Card EEA versus €10 for KOSH Card. On cashback Wirex Card EEA wins (up to 8%). In our editorial rating Wirex Card EEA leads (4.3 vs 2.5). In short: KOSH Card if your usage matches its strength, Wirex Card EEA otherwise — the numbers above beat any slogan.
Which is cheaper, KOSH Card or Wirex Card EEA?
On the standard spending profile Wirex Card EEA has the lowest net annual cost: €0 versus €10 for KOSH Card.
Which offers more cashback, KOSH Card or Wirex Card EEA?
Wirex Card EEA has the highest cashback: up to 8%. Note the top rate often requires token staking and is subject to spending caps.
Is KOSH Card custodial or self-custody?
KOSH Card is custodial: funds are held by the platform, while Wirex Card EEA is custodial.
Which is better for spending abroad?
For foreign-currency spending Wirex Card EEA wins, with the lowest FX markup: 0%.