Cardano Card is a multi-chain crypto debit card distributed by EMURGO and issued by Wirex for users who want to spend digital assets directly on everyday purchases. Cardholders can manage the card, balances and rewards in the Wirex app, and use the Visa network for online shopping, in-store purchases and ATM withdrawals. The product offers virtual and physical cards, supports Apple Pay and Google Pay, and integrates Cardano and Wirex spending, lending and travel services.
USDT / USDC / BTC / ETH / BNB / SOL / XRP / ADA / DOGE / TRX / AVAX / DOT / LINK / MATIC / ATOM / LTC / BCH / DAI / XLM / UNI
Last updated
Jul 28, 2026
Official and company information
Issuer identity and company credentials
The Cardano Card is launched in partnership between EMURGO and Wirex, with EMURGO handling product distribution and Wirex providing card issuance and related payment infrastructure. EMURGO is one of the co-founding entities of the Cardano blockchain, headquartered in Singapore, and primarily drives Cardano's commercial applications and asset tokenization. Wirex has been operating digital payment services since 2014, with its specific services and legal entities varying by user's region of residence; Wirex Limited in the UK is authorized by the Financial Conduct Authority to provide e-money and payment services.
Cardano Card currently operates using Wirex's account, asset custody, and payment infrastructure. Users can hold and exchange supported digital assets and fiat currencies in the Wirex app, with payment settlement completed when the card is used. The first-stage product uses a custodial architecture. The website currently divides the service into four tiers: Standard, Premium, Elite, and invitation-only Founders. Virtual and physical cards are both part of the active product range. Cardano Card supports more than 685 digital assets and provides features including Cryptoback™, ADA-backed borrowing, and Wirex Travel. Self-custody and further on-chain yield features are part of the future product roadmap. After June 30, 2026, Wirex began moving users in the European Economic Area and Australia from the Classic Wirex App to Wirex One. Affected users must complete the upgrade to continue using the relevant crypto asset and card features.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.
Card variants and fee differences
Compare verified fee records across card forms and tiers
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CCardano Standard Card
CCardano Premium Card
CCardano Elite Card
CCardano Founder Edition
Card form
Virtual + physical card
Virtual + physical card
Virtual + physical card
Virtual + physical card
Fees
Monthly fee
Free
No monthly fee at the basic level.
9.99 EUR
In the billing currency stated on the official website.
29.99 EUR
In the billing currency stated on the official website.
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Card issuance fee
Free
The Wirex card is issued free of charge.
Free
Free
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ATM fee
2%
Free within the monthly allowance; 2% above it. The allowance depends on the issuance region.
2%
Free within the monthly allowance; 2% above it. The allowance depends on the issuance region.
2%
Free within the monthly allowance; the allowance depends on the issuance region.
2%
Free within the monthly allowance; 2% above it. The allowance depends on the issuance region.
Foreign exchange fee
Free
Wirex currently charges no foreign exchange fee.
Free
Free
Free
Wirex currently charges no foreign exchange fee.
Top-up fee
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Failed transaction fee
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Rewards
Cashback
—
—
—
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Crypto cashback
1%
Cardano card spending rewards.
3%
Cardano card spending rewards.
8%
Cardano card spending rewards.
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Staking rewards
—
—
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Staking APR
—
—
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Welcome bonus
—
—
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Referral bonus
—
—
—
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Limits
Daily spending limit
—
—
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Monthly spending limit
30,000 EUR
Limit.
30,000 EUR
Limit.
30,000 EUR
Limit.
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ATM withdrawal limit
—
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Card network
VISA
VISA
VISA
VISA
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Fees may vary by region, card tier, and official policy. Verify the latest official terms.
Regions and China applicability
Application status based on public sources, official policy, and user reports. This is not application advice.
✓
Available regions
Applications or normal card activation are supported
1、中国大陆：不可申请；境外已发行卡可在受理 Visa 的商户使用，也可按国际卡规则绑定支付宝或微信支付，需完成钱包实名及发卡验证。
2、香港：可以申请，并可作为 Visa 卡在线上线下商户及支持的 ATM 使用；Cardano Card 同时支持 Apple Pay 与 Google Pay。
3、澳门：不可申请 Cardano Card；其他合资格地区已发行的卡可在澳门受理 Visa 的商户使用，并可通过支持的 ATM 提取现金。
4、台湾：可以申请，并可作为 Visa 卡用于线上、线下及 ATM；Cardano Card 同时支持 Apple Pay 与 Google Pay。
Updated: Jul 28, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequired
KYC level
Full KYCRequirement confirmed
Proof of address
YesRequired
Accepted documents
Passport / ID card / Driver's license / Residence permit
Review time / regional limits
Automated review usually takes about 5 minutes; manual review or additional documents will extend processing time.
KYC provider
SumSub
Updated
Jul 28, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview12 scenarios
Supported12
Not supported0
UpdatedJul 28, 2026
Wallet payments
Alipay
Supported
Jul 28, 2026
Wallet payments
Apple Pay
Supported
Jul 28, 2026
Cash services
ATM withdrawal
Supported
Jul 28, 2026
AI tools
ChatGPT
Supported
Jul 28, 2026
AI tools
Claude
Supported
Jul 28, 2026
Wallet payments
Google Pay
Supported
Jul 28, 2026
AI tools
Midjourney
Supported
Jul 28, 2026
In-person payments
Offline POS
Supported
Jul 28, 2026
Online shopping
Online shopping
Supported
Jul 28, 2026
Wallet payments
PayPal
Supported
Jul 28, 2026
Subscriptions
Subscription payment
Supported
Jul 28, 2026
Wallet payments
WeChat Pay
Supported
Jul 28, 2026
User reviews
Showing 10 approved reviews matched to this card
Newest first
Mohieddine Tarfayatrustpilot★ 1 / 5
Verified account closed — $300 inaccessible for over 2 years
I completed the identity verification process and deposited approximately $300 worth of TRX into my Wirex account. My account was later closed/restricted, and since then I have been unable to access my account or withdraw my funds.
This situation has now continued for more than two years. I contacted support seeking an explanation and, most importantly, a way to recover or withdraw my money, but I still have no satisfactory resolution.
I simply want access to my funds or for Wirex to return them to me. More than two years without a proper solution is unacceptable.
I will update this review if Wirex resolves the issue and returns my funds.
Mon expérience avec cette plateforme a été extrêmement décevante et stressante, et je considère important de la partager avec toute personne qui envisage de l’utiliser.
Pour être juste, obtenir des bénéfices sur cette plateforme n’a pas été un problème. Au début, tout semblait fonctionner correctement. La plateforme paraissait professionnelle, facile à utiliser et plutôt convaincante. Voir mon solde augmenter m’a donné confiance et m’a fait croire que j’avais pris une bonne décision d’investissement.
Cependant, les choses ne se sont pas déroulées comme je l’espérais après mon investissement.
Le principal problème a commencé lorsque j’ai essayé de retirer mes fonds. Malgré les bénéfices affichés sur mon compte, aucun retrait réussi ne m’a été autorisé. Chaque tentative échouait, était retardée ou n’était tout simplement pas traitée. Aucune explication claire ne m’était donnée, ce qui a rapidement transformé mon enthousiasme initial en frustration.
J’ai essayé de contacter le service client à plusieurs reprises, dans l’espoir de résoudre le problème, mais les réponses que je recevais n’étaient pas utiles. La plupart du temps, elles étaient vagues ou tardives, et je n’ai jamais obtenu d’explication claire concernant la raison pour laquelle mes retraits n’étaient pas traités. Ce manque de transparence a encore aggravé la situation.
Avec le temps, cette expérience est devenue émotionnellement épuisante. J’avais l’impression d’être bloqué, sans pouvoir accéder à mon propre argent. Le stress et la déception étaient accablants, et j’ai commencé à regretter d’avoir fait confiance à cette plateforme.
Par frustration et désespoir, j’ai décidé de chercher de l’aide en dehors de la plateforme. C’est alors que j’ai découvert 𝑭𝗶rec𝖔𝘂𝕡. Les contacter a été un véritable tournant pour moi. Grâce au soutien que j’ai reçu, les choses ont finalement commencé à s’améliorer. Même si le processus n’a pas été immédiat, il y a eu des progrès constants, ce qui m’a redonné de l’espoir.
Finalement, j’ai pu récupérer mes fonds et tout s’est bien terminé. Le soulagement que j’ai ressenti après une expérience aussi stressante est difficile à décrire.
Dans l’ensemble, mon expérience avec cette plateforme a été très négative. Même si réaliser des bénéfices peut sembler facile, le véritable problème réside dans l’impossibilité de retirer ses fonds sans subir du stress et des complications inutiles.
Je recommande vivement à toute personne qui envisage d’utiliser cette plateforme de faire preuve d’une grande prudence. Ne vous concentrez pas uniquement sur les bénéfices — il est essentiel d’évaluer la fiabilité du processus de retrait, car c’est cela qui compte réellement.
Pour moi, cette expérience a été une leçon difficile. Même si j’ai finalement récupéré mon argent, le stress, la frustration et l’incertitude que j’ai vécus n’en valaient absolument pas la peine.
Absolutely awful customer service, constantly closing help chats, issues with my Solana getting stuck and not being sent. Constant errors not being able to withdraw to my bank due to estimating issues apparently with Wirex one. Just no end of issues and zero help. Would not recommend
Attention à cette plate-forme frauduleuse utilisé pour escroquer de l’argent.
J’ai été escroqué, ensuite comme par hasard, ils ont fermé mon compte après sans raison.
Official reply
Hello,
We’re sorry to hear that your account got permanently closed.
Wirex is a regulated banking institution and is required to monitor all accounts to ensure the safety and security of our customers and the financial system. Consequently, we reserve the right to close a customer's account.
We understand that an account closure can be unexpected and sincerely apologize if it caused you any distress. At the same time, we’d like to point out that we always provide information regarding the account closure and the remaining balance, if applicable, in our email communication, just like we did in your case. Due to legislation and legal requirements, we cannot share any additional details or disclose the specific reason for your account closure.
Best regards,
Your Wirex Team
Money missing, Fee's voided, sucks you up for exchange rates
First of all since Wirex One, randomly some charges come through as Euros - any purchases done at Costco fuel or in store they always auto convert to Euro from £ although I'm charged in £ and take the fee. You buy a product out of Amazon for £, return it to amazon and Wirex takes your refund and converts it Euro's again, if you want to convert it to £ they take the fee again.
Second Migration from Legacy App, I have paid Annual fee of £306 for a elite membership highest paid tier possible and had to freeze over £3000 worth of Wirex tokens to gain benifits that I had. Wirex one just wiped the whole logic, Legacy app gave me 8% APR on wirex tokens frozen/locked by the contract as they had to be frozen for 180days so I could get cashback. Wirex One just decided to change it to 5% - that is absolute joke. Also I was told that in Wirex one my tier will be boosted for 3 months since day of migration, but wait, what happens to remainder of membership that I have purchased? By the time 3 months run out I will still have 7 months of the £306 I have paid for? Support is clueless told me to get back to them when 3months will run out.
Also it is impossible to get bank statement.
Yesterday transferred £1700, £50, £50 to wirex one from Starling. Money is nowhere to be seen. Spoke with Starling and had a confirmation from them that money have been sent and accepted by the bank and everything is as good as it gets, but Wirex support is clueless.
CASE: 6379106
There is just too many questions and issues with this platform to trust it.
Official reply
Hi there,
Thank you for taking the time to bring this matter to our attention. We found your ticket #6379106 and our agent has already updated you there regarding the issue.
Please accept our apologies for the situation that occurred. Sometimes unexpected technical issues happen despite our best efforts to prevent them, and fixing them takes some time. Our team is actively working to resolve the problem and as soon as there's an update, we will promptly inform you.
Hoping for your kind patience and understanding.
Best regards,
Your Wirex Team
I’ve transferred money from my nationwide to wirex one, the money was faster payments and should have been in the account on Wednesday it still hasn’t arrived in my account and no one is answering for support
INCOMING PAYMENTS HELD / ROBBED.
NO HELP AT ALL FROM CUSTOMER SERVICE
Two transactions deposits sent to my account are nowhere to be seen despite proof from my bank they have been recieved .
Zero Customer support, no time frame.
DO NOT USE THEM
re
Official reply
Hi there,
Thank you for taking the time to bring this matter to our attention. We found your ticket #6379469 and will send you a reply via email as well.
Please accept our apologies for the situation that occurred. Sometimes unexpected technical issues happen despite our best efforts to prevent them, and fixing them takes some time. Our team is actively working to resolve the problem and as soon as there's an update, we will promptly inform you.
Hoping for your kind patience and understanding.
Best regards,
Your Wirex Team
I sent funds into my wirex account from my bank which I have done many times in the past. FPID submitted to Wirex to prove transaction yet it has vanished into thin air and support do not reply on new Wirex one
Edit - they say they are helping but still no sign of my funds or any explanation of where they are
Official reply
Hi there,
Thank you for taking the time to bring this matter to our attention.
Please accept our apologies for the situation that occurred. Sometimes unexpected technical issues happen despite our best efforts to prevent them, and fixing them takes some time. Our team is actively working to resolve the problem and as soon as there's an update, we will promptly inform you.
Hoping for your kind patience and understanding.
Best regards,
Your Wirex Team
Sick of this shit. Wirex was once good until wirex one came into play. Wtf is that scam sht had money deposited into wirex then apparently it got lost during the migration!!! Just BS AFTER BS. Same sht with customer support someone will get back to you. Same replies no outcome about where my funds are. RIPOFF MFS!! Its been a week already and no update. Stay right away from wirex one aswell. SCAMMERS
Still no update!! Ya always seem to be resting no answers NOTHING Ticket number 6376389
Ya cant help cause i havnt replied in 3 days? You cant even reply from 2 weeks ago about my missing solana TF
Official reply
Hi there,
Thank you for taking the time to share your feedback. We're sorry to hear that you had a bad experience with our platform.
We sent a request for more details to locate your account, but since you haven’t responded to it within 3 days, we're unable to assist further at this time.
If your issue remains unresolved, please create a new review and include your ticket number. You can find the ticket number in an email with the subject "Your request has been received by Wirex Support." If you haven’t created a ticket yet, you can do so here:https://help.wirexapp.com/request/create
We’re here to help whenever you’re ready.
Best regards,
Your Wirex Team
Funds missing after Wirex One migration. Over $200 in PAX Gold disappeared on July 1st. Support chat keeps closing tickets automatically without fixing it. Need urgent help to recover my funds.
Official reply
Hi there,
Thank you for taking the time to share your feedback. We're sorry to hear that you had a bad experience with our platform.
We sent a request for more details to locate your account, but since you haven’t responded to it within 3 days, we're unable to assist further at this time.
If your issue remains unresolved, please create a new review and include your ticket number. You can find the ticket number in an email with the subject "Your request has been received by Wirex Support." If you haven’t created a ticket yet, you can do so here:https://help.wirexapp.com/request/create
We’re here to help whenever you’re ready.
Best regards,
Your Wirex Team
