Wirex One vs Bitpanda Card
Wirex One scores 13/16, Bitpanda Card scores 11/16 on the CBL Card Score. Here is every criterion side by side.
 Wirex One |  Bitpanda Card | |
|---|---|---|
| Custody | 1 of 2 | 1 of 2 |
| Issuer and licence | 2 of 2 | 2 of 2 |
| Availability | 2 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 2 of 2 | 2 of 2 |
| Funding cost | 1 of 2 | 1 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 2 of 2 |
| Freeze and dispute policy | 2 of 2 | 2 of 2 |
| Yield on idle balance | 1 of 2 | 1 of 2 |
| Total | 13 | 11 |
The short verdict: Wirex One leads overall (13 to 11). Self-custodial wallet, card settlement route not stated, 0% FX, variable spread on crypto sales FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| Wirex One | Base 0.5%, Premium 1%, Elite 3%, Private 5%, Bespoke 8%, paid in USD; monthly caps $25, $100, $300, $1,000, $2,000; ATM withdrawals, crypto purchases, gambling and 30-plus merchant categories excluded (official). |
| Bitpanda Card | "All users receive a flat 1% cashback on eligible purchases paid with cryptocurrencies", paid in the same crypto (official, help centre FAQ, checked 20 Oct 2026). Purchases funded by EUR, precious metals, stocks or stablecoins (USDT, USDC, EUROCV) earn nothing (official). The card page metadata still reads "up to 2%", a leftover from the earlier BEST VIP scheme (official, checked 20 Oct 2026). |
Cashback is shown as a dated fact and never scored.