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Wayex Visa Card

Updated: Aug 2, 2026

Wayex Visa Card is a crypto asset payment card offered by Wayex, divided into a global stablecoin card service and a local Australian crypto card service. Users can deposit stablecoins, fiat currency or crypto assets supported by the Australian version into Wayex and spend at Visa merchants using a virtual card, physical card or mobile wallet. The global version settles entirely from a US dollar balance, while the Australian version can convert a selected asset into Australian dollars when a purchase is made. It is suitable for online shopping, offline purchases, subscriptions and cross-border payments.
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Card network
Visa
Product type
Stablecoin payment card
Card form
Virtual + physical card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
70-79
Supported assets
USDT / USDC / BTC / ETH / BNB / SOL / XRP / ADA / DOGE / TRX / AVAX / DOT / LINK / MATIC / ATOM / LTC / BCH / DAI / XLM / UNI
Last updated
Aug 2, 2026

Official and company information

Issuer identity and company credentials

Wayex (formerly CryptoSpend, founded in 2018) is a leading Australian compliant crypto retail trading and PayFi card platform. As the first institution in Australia to launch a native crypto Visa debit card, Wayex allows users to deposit and withdraw Australian dollars (AUD) instantly via PayID or the NPP banking network. With full control over account assets, users can spend instantly at any merchant worldwide that supports Visa Tap to Pay, Apple Pay, or Google Pay, using over 90 supported tokens, with real-time exchange rate settlement and zero cross-border transaction fees for a digital nomad lifestyle.
Visit website Application page
Company / issuer
Wayex (formerly CryptoSpend)
Legal name
CryptoSpend
Registered region
Australia (AU)
Headquarters
Sydney, Australia
Company type
Crypto exchange
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Wayex Global Card is managed through the Wayex app. Users can add funds through USDC, USDT, DAI, PYUSD, or local banking channels. Funds are combined into a single US dollar balance and spent through a Visa prepaid debit card. The global virtual card can be created immediately after approval and added directly to Apple Pay or Google Pay. A physical card is available only in supported regions, and the global card currently does not support ATM withdrawals. The Australian version uses a separate issuing arrangement. Users can deposit Australian dollars or crypto assets held in their Wayex account and select the asset to spend in the app. When a transaction occurs, the system converts the corresponding asset into Australian dollars for settlement. Australian users can apply for a digital or physical card. The digital card can be added to a mobile wallet, while the physical card can be used for card payments and ATM withdrawals within Australia. Both services use the user's own balance and do not provide a credit limit.
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

Drag or swipe anywhere in the table to view every card; labels stay fixed

Wayex Global Visa Card
Wayex Australia card
Card formVirtual + physical cardVirtual + physical card
Fees
Monthly fee
Free
No monthly maintenance fee
Free
No ongoing card fee
Card issuance fee
Free
Free
14.99 AUD
Digital card free; one-time fee of 14.99
ATM fee—
Free
Third-party ATMs may charge fees
Foreign exchange fee
1.5%
Charged for non-USD transactions.
Free
No foreign exchange surcharge
Top-up fee
0.1%
DAI, USDC free; USDT 0.1%
Free
AUD deposits free
Failed transaction fee——
Rewards
Cashback——
Crypto cashback——
Staking rewards
0%
Automatic yield on liquid stablecoin balances
—
Staking APR
5%
Yield on liquid stablecoins, up to 5%
—
Welcome bonus——
Referral bonus—
10 AUD
Original双方各得10澳元等值BTC，需完成KYC及30澳元交易
Limits
Daily spending limit—
Unlimited
Original单笔上限1万澳元
Monthly spending limit——
ATM withdrawal limit
0%
Global card does not support cash withdrawal
1,000 AUD
Australia ATMs only
Card network
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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

29
NigeriaNGEcuadorECDominican RepublicDOHong KongHKMaldivesMVSouth AfricaZAGuatemalaGTArgentinaARSingaporeSGGhanaGHJapanJPParaguayPYHondurasHNBhutanBTPhilippinesPHPeruPEEl SalvadorSVAustraliaAUBrazilBRColombiaCOCosta RicaCRMalaysiaMYPanamaPABoliviaBOThailandTHMexicoMXUruguayUYSri LankaLKMacaoMO
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

4
North KoreaKPIranIRSyriaSYCubaCU
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

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。

Updated: Aug 2, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / Driver's license / Government-issued ID / Proof of address

Review time / regional limits

Automated review usually completes in minutes; abnormal documents go to manual review.

KYC provider

Not publicly disclosed

Updated

Aug 2, 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
UpdatedAug 2, 2026

Wallet payments

Alipay

Supported

Aug 2, 2026

Wallet payments

Apple Pay

Supported

Aug 2, 2026

Cash services

ATM withdrawal

Supported

Aug 2, 2026

AI tools

ChatGPT

Supported

Aug 2, 2026

AI tools

Claude

Supported

Aug 2, 2026

Wallet payments

Google Pay

Supported

Aug 2, 2026

AI tools

Midjourney

Supported

Aug 2, 2026

In-person payments

Offline POS

Supported

Aug 2, 2026

Online shopping

Online shopping

Supported

Aug 2, 2026

Wallet payments

PayPal

Supported

Aug 2, 2026

Subscriptions

Subscription payment

Supported

Aug 2, 2026

Wallet payments

WeChat Pay

Supported

Aug 2, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Anthoniotrustpilot★ 1 / 5

I was expecting a payment so…

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#
Official reply
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.
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Xavier Evanstrustpilot★ 1 / 5

Avoid this service.

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.
Official reply
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.
View original
bones ctrustpilot★ 1 / 5

Unable to close my account despite repeated follow‑ups

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.
Official reply
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.
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Dominique Hummeltrustpilot★ 1 / 5

So to be clear you collected all this…

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...
Official reply
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.
View original
Andrew Philippoutrustpilot★ 2 / 5

I am trying to open an account

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?
Official reply
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.
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Nathan Yao-Ting Leetrustpilot★ 5 / 5

Excellent Support

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.
Official reply
Thank you very much for your trust and support!
View original
Snowytrustpilot★ 5 / 5

Smooth, Reliable, and Great 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.
Official reply
Thank you very much! We are pleased to hear that you've had a great experience with us.
View original
Maksim Makovetsgoogle_play★ 5 / 5

Wayex: Spend Stables Anywhere Google Play review - 5 star

Amazing customer service 👌
View original
DearArts Craftsgoogle_play★ 5 / 5

Wayex: Spend Stables Anywhere Google Play review - 5 star

Love using this for my freelance work, thank you team!
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ем ройбубусtrustpilot★ 5 / 5
Very good app and support
Official reply
Thank you for the review!
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Risk factors

Updated: Jul 16, 2026

No risk factors are available