可申請地區
支援申請或可正常開卡使用
奈及利亞NG厄瓜多EC多明尼加共和國DO香港HK馬爾地夫MV南非ZA瓜地馬拉GT阿根廷AR新加坡SG迦納GH日本JP巴拉圭PY宏都拉斯HN不丹BT菲律賓PH秘魯PE薩爾瓦多SV澳洲AU巴西BR哥倫比亞CO哥斯大黎加CR馬來西亞MY巴拿馬PA玻利維亞BO泰國TH墨西哥MX烏拉圭UY斯里蘭卡LK澳門MO
- 證據來源
- 官方支援
U 卡資料庫 / Visa / 穩定幣支付卡
W
Wayex Visa Card
更新時間: 2026年8月2日
Wayex Visa Card 是 Wayex 提供的加密資產支付卡，分為全球穩定幣卡與澳洲本地加密卡兩套服務。使用者可將穩定幣、法定貨幣或澳洲版本支援的加密資產存入 Wayex，透過虛擬卡、實體卡或行動錢包在 Visa 特約商店消費。全球版本統一以美元餘額結算，澳洲版本可在消費時將選定資產轉換為澳元，適用於線上購物、實體消費、訂閱及跨境支付。
官方與公司資訊
發行方身分與公司資質概覽
Wayex（前身為 CryptoSpend，成立於 2018 年）是澳洲本土領先的合規加密貨幣零售交易與 PayFi 消費卡平台。作為澳洲首家推出原生加密 Visa 簽帳卡的機構，Wayex 允許使用者使用 PayID 或 NPP 銀行網路秒級充提澳元（AUD），並在完全掌管帳戶資產的前提下，透過綁定的 Wayex Visa 卡在全球任何支援 Visa 閃付（Tap to Pay）或 Apple Pay、Google Pay 的商家進行即時加密資產（支援 90 多種代幣）扣款消費，享受即時匯率清算與零跨境交易費的數位遊民生活體驗。
卡片概覽
Wayex 全球卡由 Wayex 應用程式提供帳戶和卡片管理，使用者可透過 USDC、USDT、DAI、PYUSD 或當地銀行管道儲值，資金匯入統一的美元餘額，再由 Visa 預付簽帳卡完成付款。全球虛擬卡可在審核後即時建立，並直接加入 Apple Pay 或 Google Pay；實體卡僅於支援地區提供，全球卡目前不具備 ATM 提款功能。
澳洲版本採用獨立發行安排，使用者可存入澳幣或在 Wayex 帳戶中持有的加密資產，並在應用程式內選擇消費資產。交易發生時，系統會將相應資產轉換為澳幣完成結算。澳洲使用者可以申請數位卡或實體卡，數位卡可加入手機錢包，實體卡可用於刷卡及澳洲境內 ATM 提款。兩套服務均使用使用者自有餘額，不提供信用額度。
Visa 卡片體驗地區可用性權益條款可能變動
提示: 目前沒有其他提示。
卡片形態與費用差異
比較不同卡片形態與等級的已核驗費用紀錄
按住或滑動表格任意區域，左右查看全部卡片；左側項目保持固定
W Wayex 全球 Visa 卡 | W Wayex 澳大利亞卡 | |
|---|---|---|
| 卡片形態 | 虛擬卡 + 實體卡 | 虛擬卡 + 實體卡 |
| 費用 | ||
| 月費 | 免費 無月度維護費 | 免費 無持續卡費 |
| 開卡費 | 免費 免費 | 14.99 AUD 數位卡免費；一次性收費14.99 |
| ATM 提款費 | — | 免費 第三方ATM可能收費 |
| 貨幣轉換費 | 1.5% 非美元交易收取 | 免費 不收外匯附加費 |
| 儲值費 | 0.1% DAI、USDC 免費；USDT 0.1% | 免費 AUD入金免費 |
| 交易失敗費 | — | — |
| 獎勵 | ||
| 現金回饋 | — | — |
| 加密貨幣回饋 | — | — |
| 質押獎勵 | 0% 流動穩定幣餘額自動收益 | — |
| 質押年利率 | 5% 流動穩定幣收益，最高 5% | — |
| 歡迎獎勵 | — | — |
| 推薦獎勵 | — | 10 AUD 雙方各得10澳元等值BTC，需完成KYC及30澳元交易 |
| 限制 | ||
| 每日支出上限 | — | 無上限 單筆上限1萬澳元 |
| 每月支出上限 | — | — |
| ATM 提款上限 | 0% 全球卡不支援提款 | 1,000 AUD 僅限澳大利亞ATM |
| 卡片網路 |
費用可能因地區、卡片等級與官方政策而變動，請核對最新官方條款。
地區與中國地區適用性
依公開來源、官方政策與使用者回報整理申請狀態，不構成辦卡建議。
不支援或受限地區
申請或部分功能不可用或受限
北韓KP伊朗IR敘利亞SY古巴CU
- 證據來源
- 官方限制
尚未確認地區
證據不足，狀態有待確認
沒有紀錄
- 證據來源
- 公開資料
中國地區適用性
以下保留資料原文。
原文
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。
更新時間: 2026年8月2日
KYC 要求
開戶前目前核驗的身分驗證要求與限制
是否需要 KYC
是需要KYC 等級
完整 KYC要求已確認居住證明
是需要支援證件
護照 / 駕駛執照 / 政府核發身分證件 / 地址證明
審核時間 / 地區限制
自動審核通常數分鐘完成，異常資料將進入人工複核
KYC 服務商
未公開揭露
更新時間
2026年8月2日
支付相容性
各類支付情境的支援狀態與更新時間 · 實際可用性可能受地區、商家與發行方政策影響
相容性概覽12 個情境
支援12
不支援0
更新時間2026年8月2日
行動錢包付款
Alipay
支援
2026年8月2日
行動錢包付款
Apple Pay
支援
2026年8月2日
現金服務
ATM 提款
支援
2026年8月2日
AI 工具
ChatGPT
支援
2026年8月2日
AI 工具
Claude
支援
2026年8月2日
行動錢包付款
Google Pay
支援
2026年8月2日
AI 工具
Midjourney
支援
2026年8月2日
實體付款
實體 POS
支援
2026年8月2日
線上購物
線上購物
支援
2026年8月2日
行動錢包付款
PayPal
支援
2026年8月2日
訂閱服務
訂閱付款
支援
2026年8月2日
行動錢包付款
WeChat Pay
支援
2026年8月2日
使用者評論
顯示 10 則已核准且符合此卡片的評論
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#
官方回覆
查看原文 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.
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.
官方回覆
查看原文 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.
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.
官方回覆
查看原文 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…
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...
官方回覆
查看原文 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 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?
官方回覆
查看原文 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.
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.
官方回覆
查看原文 Thank you very much for your trust and support!
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.
官方回覆
查看原文 Thank you very much! We are pleased to hear that you've had a great experience with us.
Wayex: Spend Stables Anywhere Google Play review - 5 star
Amazing customer service 👌
查看原文 Wayex: Spend Stables Anywhere Google Play review - 5 star
Love using this for my freelance work, thank you team!
查看原文 Very good app and support
官方回覆
查看原文 Thank you for the review!
風險因素
更新時間: 2026年7月16日
沒有可用的風險因素