UR Card vs Wirex Card EEA
Bottom line, net annual cost favours Wirex Card EEA (€0), while UR Card comes to €144. On cashback Wirex Card EEA wins (up to 8%). In our editorial rating Wirex Card EEA leads (4.3 vs 3.5). Neither wins across the board: weigh the points above against your use case before choosing between UR Card and Wirex Card EEA.
| UR Card | Wirex Card EEA | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 3.5 | ★ 4.3 |
| Estimated net annual cost | €144 | €0 |
| Account fee | €12 | Free |
| IBAN | IBAN svizzero multivaluta (SEPA + SWIFT) | dedicato · LT |
| Multi-currency | EUR, CHF, USD, RMB | Yes · 9 currencies |
| Network | Mastercard | — |
| ATM withdrawal | Free | not declared |
| Free ATM limit | No ATM withdrawals (virtual card, no PIN) | — |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | EEA, UK, APAC · 40+ countries | EEA, UK, APAC, LATAM · 130+ countries |
| Regulator | FINMA (Svizzera) | Bank of Lithuania |
| Segment | B2C | B2C |
| Outbound transfers to third-party IBANs | — | Yes |
| Utility direct billing | — | No |
| SEPA direct debit (SDD) | — | No |
| SEPA transfer | — | Free |
| Interest on balance | — | 16% |
| OAM Italy registration | — | Yes |
| Regions | EU/EEA, UK, APAC | EU/EEA, UK, APAC, LATAM |
| Licences & safety | FINMA FinTech License (Art. 1b Swiss Banking Act) | VASP LT + EMI partner |
Frequently asked questions
UR Card vs Wirex Card EEA: which is better?
Bottom line, net annual cost favours Wirex Card EEA (€0), while UR Card comes to €144. On cashback Wirex Card EEA wins (up to 8%). In our editorial rating Wirex Card EEA leads (4.3 vs 3.5). Neither wins across the board: weigh the points above against your use case before choosing between UR Card and Wirex Card EEA.
Which is cheaper, UR Card or Wirex Card EEA?
On the standard spending profile Wirex Card EEA has the lowest net annual cost: €0 versus €144 for UR Card.
Which offers more cashback, UR 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 UR Card custodial or self-custody?
UR 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%.