Head to head
Wirex One vs PayitFast
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Wi Wirex One | Pa PayitFast |
|---|---|---|
| Overall rank | #5 of 35 | #8 of 35 |
| FX spread | 1.18% | 1% |
| Base cashback | 0.5% paid in stables | 3% in USDC |
| Custody | Self-Custodial | Non-Custodial |
| Virtual card | Free | Virtual Visa Platinum $5 (live) |
| Physical card | Locked behind Premium tiers | Physical PVC Visa Signature $50 (coming in 1-2 weeks). LED, Gold and wearable cards coming |
| Spend limit | High, tier and source-of-wealth dependent | $100k/day standard, $5M Elite |
| ATM withdrawals | Free up to ~$250/month, 2% thereafter | ATM withdrawals via NFC |
| Setup time | ~12 minutes | About 3 min (ID + face scan KYC) |
| KYC steps | 5 | 3 |
| Score | 8.1/10 | 7/10 |
Wirex One
Wirex remains competitive. A 1.18% all-in spread puts it alongside Coca and Bitget as one of the cheapest cards tested for foreign-currency spending. They include crypto collateral credit, and Premium models are upgraded through Portfolio holdings
PayitFast
A strong pick for everyday users; the upcoming wearables are exciting. High spenders for luxury shopping, luxury travel bookings, dining & entertainment/events, software subscriptions (AI tools, cloud services, streaming services etc.) Freelancers, Digital Nomads, Influencers, anyone requiring regular cross-border payments, Luxury service providers.
Who ranks these cards
I'm Tristyn Pawson, founder of ConsistenC.xyz. Over the last five years I've worked on marketing, development and growth across five crypto cards and neobanks, building at least three of them from scratch.
Alongside that I've run in-depth research on 20+ crypto banks to understand what actually makes someone keep a card in their wallet. These rankings reflect that: which problems are tolerable, and which ones are genuine deal breakers.
- Years in market
- 5
- Cards built on
- 5
- Neobanks researched
- 20+