最近更新：2026/08/02
Wayex Visa Card 是 Wayex 提供的加密资产支付卡，分为全球稳定币卡与澳大利亚本地加密卡两套服务。用户可将稳定币、法币或澳大利亚版本支持的加密资产存入 Wayex，通过虚拟卡、实体卡或手机钱包在 Visa 商户消费。全球版本统一以美元余额结算，澳大利亚版本可在消费时将选定资产转换为澳元，适用于线上购物、线下消费、订阅及跨境支付。
发行方与公司资质概览
Wayex（前身为 CryptoSpend，成立于 2018 年）是澳大利亚本土领先的合规加密货币零售交易与 PayFi 消费卡平台。作为澳洲首家推出原生加密 Visa 借记卡的机构，Wayex 允许用户使用 PayID 或 NPP 银行网络秒级充提澳元（AUD），并在完全掌管账户资产的前提下，通过绑定的 Wayex Visa 卡在全球任何支持 Visa 闪付（Tap to Pay）或 Apple Pay、Google Pay 的商户进行即时加密资产（支持 90 多种代币）扣款消费，享受实时汇率清算与零跨境交易费的数字游民生活体验。
Wayex 全球卡由 Wayex 应用提供账户和卡片管理，用户可通过 USDC、USDT、DAI、PYUSD 或当地银行通道充值，资金汇入统一美元余额，再由 Visa 预付借记卡完成支付。全球虚拟卡可在审核后即时创建，并直接加入 Apple Pay 或 Google Pay；实体卡仅在支持地区提供，全球卡当前不具备 ATM 取现功能。 澳大利亚版本使用独立发行安排，用户可存入澳元或在 Wayex 账户中持有的加密资产，并在应用内选择消费资产。发生交易时，系统将相应资产转换为澳元完成结算。澳大利亚用户可以申请数字卡或实体卡，数字卡可加入手机钱包，实体卡可用于刷卡及澳大利亚境内 ATM 取现。两套服务均使用用户自有余额，不提供信用额度。
不同卡片形态与等级的费用结构对比，固定费用项目横向查看
按住或滑动表格任意区域，左右查看全部卡片；左侧项目保持固定
W The Wayex Visa Card | W The Wayex Card | |
|---|---|---|
| 卡片类型 | 虚拟卡+实体卡 | 虚拟卡+实体卡 |
| 费用 | ||
| 月费 | 免费 无月度维护费 | 免费 无持续卡费 |
| 开卡费 | 免费 免费 | 14.99 AUD 数字卡免费；一次性收费14.99 |
| ATM 取现费 | — | 免费 第三方ATM可能收费 |
| 外汇费 | 1.5% 非美元交易收取 | 免费 不收外汇附加费 |
| 充值费 | 0.1% DAI、USDC 免费；USDT 0.1% | 免费 AUD入金免费 |
| 交易失败费 | — | — |
| 奖励 | ||
| 返现 | — | — |
| 加密货币返现 | — | — |
| 质押奖励 | 0% 流动稳定币余额自动收益 | — |
| 质押年利率 | 5% 流动稳定币收益，最高 5% | — |
| 欢迎奖金 | — | — |
| 推荐奖金 | — | 10 AUD 双方各得10澳元等值BTC，需完成KYC及30澳元交易 |
| 限制 | ||
| 每日支出 | — | 无限 单笔上限1万澳元 |
| 每月支出 | — | — |
| ATM 取款 | 0% 全球卡不支持取现 | 1,000 AUD 仅限澳大利亚ATM |
| 卡片网络 |
不同形态费用可能因地区、卡片等级和官方政策变化，请以最新官方资料为准。
以下按地区申请状态整理公开资料、官方政策和用户反馈，不构成办卡建议。
支持申请或可正常开卡使用
29条
不支持或受限开户/功能
4条
资料不足，状态待确认
0条
暂无记录
我们正在持续更新中
1、中国大陆：居民不在公开发卡范围内，不能直接申请；已持卡用户可在受理境外 Visa 的商户及部分微信、支付宝场景使用，全球卡不支持 ATM 取现。
2、香港：列入全球卡首发范围，符合身份及居住审核要求的用户可以申请；卡片可用于线上和线下 Visa 支付，但全球卡不支持 ATM 取现
3、澳门：列入全球卡首发范围，符合身份及居住审核要求的用户可以申请；已发行卡可用于 Visa 商户、线上购物及支持的手机钱包。
4、台湾：未列入公开发卡市场，居民当前不能直接申请；已持有其他地区发行卡的用户可在当地受理 Visa 的线上和线下商户消费。
1、中国大陆：居民不在公开发卡范围内，不能直接申请；已持卡用户可在受理境外 Visa 的商户及部分微信、支付宝场景使用，全球卡不支持 ATM 取现。
2、香港：列入全球卡首发范围，符合身份及居住审核要求的用户可以申请；卡片可用于线上和线下 Visa 支付，但全球卡不支持 ATM 取现
3、澳门：列入全球卡首发范围，符合身份及居住审核要求的用户可以申请；已发行卡可用于 Visa 商户、线上购物及支持的手机钱包。
4、台湾：未列入公开发卡市场，居民当前不能直接申请；已持有其他地区发行卡的用户可在当地受理 Visa 的线上和线下商户消费。
开户前需完成身份验证，以下为当前核验要求与限制说明
是否需要 KYC
是
KYC 等级
完整 KYC
居住证明
需要
护照、驾驶执照、政府签发的身份证件、地址证明
自动审核通常数分钟完成，异常资料将进入人工复核
未公开披露
2026/08/02
查看各类支付场景的支持状态及更新时间，便于您快速了解当前可用性。i
兼容性概览
共 12 项场景支持
12项
不支持
0项
数据更新时间
2026/08/02
钱包支付
更新时间 2026/08/02
钱包支付
更新时间 2026/08/02
钱包支付
更新时间 2026/08/02
AI 工具
更新时间 2026/08/02
AI 工具
更新时间 2026/08/02
AI 工具
更新时间 2026/08/02
线上购物
更新时间 2026/08/02
线下支付
更新时间 2026/08/02
现金服务
更新时间 2026/08/02
订阅服务
更新时间 2026/08/02
钱包支付
更新时间 2026/08/02
钱包支付
更新时间 2026/08/02
展示最新 10 条已批准入库、并已匹配当前卡片的评论
I was expecting a payment so discovering that my account had been blocked without any warning caught me completely off guard. I reached out straight away hoping there had been some kind of mistake but all I was told was that it was their decision. They asked me to send an explanation which I did the same day yet days have gone by without any meaningful. When your money is tied up, you expect clear communication and wondering if anyone is actually looking into my case. I no longer use this platform and manage my investments through #Market#Integrity#
我原本期待着一笔付款，所以发现我的账户在没有收到任何警告的情况下被封锁，这让我完全措手不及。我立刻联系了他们，希望是某种错误，但得到的答复只是这是他们的决定。他们要求我发送一份解释，我当天就发了，但几天过去了，没有任何实质性的进展。当你的钱被套住时，你期望有清晰的沟通，并且想知道是否真的有人在处理我的案件。我不再使用这个平台，并通过#市场#诚信#管理我的投资。
Hi Antonio, Thank you for taking the time to share your experience. We're sorry to hear about the frustration this situation has caused, particularly given that you were expecting a payment. While we can't discuss account-specific details publicly, account restrictions or closures are only made after careful consideration and in accordance with our regulatory obligations and internal policies. If you believe your case requires further review or you have not received an update, please email us at support@wayex.com with your account details and reference this Trustpilot review. Our team will ensure your case is reviewed and provide you with an update as soon as possible. Thank you for bringing this to our attention.
My account was blocked without any warning while I was expecting a payment. The company refused to explain why and simply claimed it was their "final decision." They then asked me to send an explanation, which I did immediately, but they have ignored me for days. When a company has access to your money, the least they can do is communicate honestly and transparently. Instead, I've been met with silence and generic responses. Based on my experience, I would never trust this company with my money again. One more thing. If I'm lucky, perhaps someone from your team will reply to this review and tell me that I should raise my concerns by email instead of posting them publicly here. Well, I already did. I sent the detailed explanation you requested. I also tried to contact your support through live chat. I received no meaningful response through either channel. After being ignored, I had no choice but to share my experience publicly. If you had simply communicated with your customer instead of remaining silent, this review wouldn't exist.
我的账户在没有收到任何警告的情况下被封锁了，当时我正在等待一笔付款。公司拒绝解释原因，只是声称这是他们的“最终决定”。然后他们让我发送一份解释，我立即照做了，但他们已经好几天没有理我。 当一家公司能够接触到你的钱时，他们至少应该做的是诚实透明地沟通。相反，我得到的却是沉默和千篇一律的回复。 根据我的经验，我再也不会信任这家公司来处理我的钱了。 还有一件事。如果我幸运的话，也许你们团队中的某个人会回复这条评论，并告诉我应该通过电子邮件提出我的担忧，而不是在这里公开发帖。 嗯，我已经这么做了。 我发送了你们要求的详细解释。我还尝试通过在线聊天联系你们的支持团队。我通过这两个渠道都没有收到有意义的回复。在被忽视之后，我别无选择，只能公开分享我的经历。 如果你们只是与客户沟通而不是保持沉默，这条评论就不会存在。
Hey Xavier, thank you for leaving a review and expressing your concerns. I would like to investigate further, but I am not able to match your name to our customer database. If you could kindly email us again regarding your concern, that would be much appreciated. I look forward to hearing from you.
I requested to close my account on 12 Feb 2026. However, it is with deep disappointment that the status remains pending despite numerous reminders to customer support. I am totally in the dark as to when the account will be closed, if ever. This raises the question of whether account cancellation is even possible.
我于2026年2月12日请求关闭我的账户。然而，深感失望的是，尽管多次提醒客服，状态仍然待处理。我完全不知道账户何时会被关闭，如果真能关闭的话。这引发了一个问题，即账户注销是否真的可行。
Thank you for sharing your experience, and we sincerely apologise for the delay in processing your account closure request. This is not the standard of service we hold ourselves to, and we completely understand your frustration. We're pleased to confirm that your account has now been fully closed. A member of our team has also reached out to you directly to ensure everything has been resolved to your satisfaction. We take feedback like this seriously as it helps us improve our processes. We're sorry we fell short this time.
So to be clear you collected all this information about me and now you are denying me the use of Wayex for no other reason then what I presume is your own but rather obscure and obsessive gathering of information that has nothing to do with 'protecting against scams'. I would like to appeal that decision on the ground that I have provided all that I could and therefore feel abused and upset to have to go through this process to in the end be insulted by your refusal to even give me a chance to show my sincere and innocent pursuit to experience a way to improve my knowledge of cryptocurrency...
所以，明确地说，你们收集了我所有这些信息，现在却拒绝我使用Wayex，除了我推测是你们自己但相当模糊且执着的收集信息之外，没有其他原因，这与‘防止诈骗’毫无关系。我想对这一决定提出申诉，理由是我已经提供了所有我能提供的，因此感到被滥用和不安，不得不经历这个过程，最终却被你们拒绝，甚至不给我一个机会来展示我真诚且无辜的追求，即体验一种提升我对加密货币知识的方式。
Thank you for your feedback. We understand this was a frustrating experience, and we're grateful we had the opportunity to discuss this with you privately. Our verification procedures are in place to protect all users and maintain platform security. We appreciate you taking the time to speak with us.
I am trying to open an account. I was asked to verify my details. I sent 2 photos of my driver's licence and still no approval. Then I am trying to verify again and northing pops out to take a photo. Vey upsetting for an older man. When can I get my details verified?
我正在尝试开户。我被要求验证我的详细信息。我发送了两张驾照照片，但仍然没有批准。然后我再次尝试验证，但没有任何东西弹出让我拍照。 对于一位年长者来说，这非常令人沮丧。我什么时候才能验证我的详细信息？
Hi there, I'm sorry you've had trouble with the verification process. Our support team can help sort this out for you right away. Please reach out via live chat at wayex.com or email support@wayex.com, and they'll personally assist you with completing your verification. We'll get you sorted.
I’ve been with Wirex since they first started. I’m very happy with their support — they genuinely investigate the issues I raise and work to resolve them properly. I’ve found them to be a trustworthy company, and I will continue using their debit card services.
我从Wirex刚成立起就一直在使用他们的服务。我对他们的支持非常满意——他们确实会调查我提出的问题，并努力妥善解决。我发现他们是一家值得信赖的公司，我会继续使用他们的借记卡服务。
Thank you very much for your trust and support!
Excellent experience with Wayex from start to finish. The app is clean, easy to use, and makes managing crypto and everyday spending simple. Transactions are fast, the card works smoothly, and the platform feels secure and reliable. What stood out the most was the customer support — quick, professional, and genuinely helpful whenever needed. It’s great to see a platform making digital finance practical for real-world use. Highly recommended.
从始至终与Wayex的体验都非常出色。应用程序界面简洁，易于使用，让管理加密货币和日常消费变得简单。交易速度快，卡片使用流畅，平台感觉安全可靠。最突出的是客户支持——快速、专业，并且在需要时真正提供帮助。很高兴看到一个平台让数字金融在实际应用中变得实用。强烈推荐。
Thank you very much! We are pleased to hear that you've had a great experience with us.
Amazing customer service 👌
惊人的客户服务👌
Love using this for my freelance work, thank you team!
喜欢用它来做我的自由职业工作，谢谢团队！
Very good app and support
非常好的应用和支持
Thank you for the review!
更新时间：2026/07/16
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