Wirex’s UK terms assign crypto services to Crossmint Europe, S.L. and e-money/card services to Wirex Limited. The public UK fee page uses app-disclosed crypto conversion pricing. A separate EEA disclosure gives percentage tariffs, while Wirex One combines self-custody technology with separately regulated functions. These are related products with different contractual roles.[1][2][3][4]
Account conversion, card spending and self-custody
Sections ↑Reference table01
Product configuration
| Item | Published treatment | Practical scope |
|---|---|---|
| UK account crypto | Crossmint service under the UK terms | Quoted buy/sell and conversion |
| UK e-money / card | Wirex Limited | Payment functionality distinct from crypto |
| Wirex One wallet | Self-custody technology using Privy key infrastructure | User-directed on-chain interaction |
| Wirex One regulated functions | Assigned to regional companies or partners | Separate from wallet-only functionality |
Reference table02
Wirex One regional roles
| Item | Published treatment | Practical scope |
|---|---|---|
| EEA crypto | Crossmint Europe, S.L. | Spanish company named in the terms |
| EEA card | Wirex Limited; UAB Wirex distribution/programme role | Payment and programme roles differ |
| UK regulated functions | Wirex Limited with Crossmint for crypto | Do not infer e-money protection for crypto |
| Australia / New Zealand card | Novatti Group Limited | Not the UK card relationship |
UK fees and separately scoped EEA percentages
Sections ↑Reference table03
UK account and payment charges
| Item | Published treatment | Practical scope |
|---|---|---|
| Crypto conversion | Rate and charge shown in app | No single fixed UK percentage asserted |
| Bank / SEPA / Faster Payments | Free under the cited tariff, including Plaid routes | Eligible rails and account checks apply |
| Card top-up | Currency-dependent | Use the displayed tariff |
| PIN change / issuance | Free published entries | Delivery remains separate |
Reference table04
UK card delivery and ATM schedule
| Item | Published treatment | Practical scope |
|---|---|---|
| ATM allowance | First £200 per month free | Operator charges may still differ |
| ATM above allowance | 2% | Monthly allowance boundary applies |
| Plastic card delivery, UK | £5 | Delivery fee |
| Plastic international delivery | £15 | Available destination required |
| Metal card | £45, delivery free | Card price distinct from crypto trading |
Reference table05
EEA crypto tariff in the cost disclosure
| Item | Published treatment | Practical scope |
|---|---|---|
| Stablecoin transaction | 0% | Named EEA disclosure scope |
| BTC / ETH and major assets | 1.5% | Not a universal UK rate |
| Lower-liquidity assets under €100 m market capitalisation | 1.75% | Classification and quote matter |
| Card conversion outside promotion | 0.8% fiat/stablecoin; 2.3% other crypto | Separate card transaction rule |
Reference table06
EEA inactivity-fee trigger
| Item | Published treatment | Practical scope |
|---|---|---|
| Observation period | Nine consecutive months | No deposit, withdrawal, trade or card activity |
| Calculation unit | Per user, not per currency | Avoid multiplying the fee by wallet count |
| Notice | 30 days before charging | Current terms and notice control |
| Resumption | Stops when activity resumes | Past charges are not refunded under the disclosure |
Reference table07
EEA inactivity-fee amount and exclusions
| Item | Published treatment | Practical scope |
|---|---|---|
| Monthly amount | 0.75% of month-end balance | Minimum €5 |
| Balance cap | Cannot exceed available balance | No greater charge inferred |
| Entity scope | Wirex Digital Services S.r.l. disclosure | Do not transfer it automatically to Crossmint accounts |
| Excluded product | X-Accounts | Not a blanket charge on every Wirex balance |
Bank rails and token transactions
Sections ↑Reference table08
Funding stages
| Item | Published treatment | Practical scope |
|---|---|---|
| Bank receipt | Use an eligible account and supported currency | Free tariff does not guarantee instant credit |
| Card top-up | Issuer approval and currency-specific charge | Separate from subsequent crypto conversion |
| Crypto transfer | Token/network availability and final quote | Network charge is not the conversion percentage |
Hosted account versus Wirex One key control
Sections ↑Reference table09
Control and recovery
| Item | Published treatment | Practical scope |
|---|---|---|
| Account crypto | Relevant Crossmint relationship | Hosted service agreement governs assets |
| One wallet | Private keys managed through Privy infrastructure | User controls authorisation |
| On-chain protocol | Independent smart contract or network | Wirex does not operate every protocol |
| Recovery service | EEA disclosure lists €0 | Best effort, not a promise to recover unsupported transfers |
Regional entity and security requirements
Sections ↑Choose the relevant product support route
Sections ↑Reference table10
Support context
| Item | Published treatment | Practical scope |
|---|---|---|
| Crypto exchange or custody | UK crypto service under Crossmint terms | Retain conversion and transfer references |
| Card / e-money | Wirex account support | Retain payment reference and account currency |
| One on-chain transaction | Wallet and protocol context | Retain network and transaction hash |
Company claims and protection boundaries
Sections ↑Wirex’s terms describe Wirex Limited as an FCA-authorised e-money institution, FRN 902025, and Crossmint Europe as a Spanish CNMV crypto-asset service provider and Bank of Spain payment institution. These are company disclosures in the reviewed terms, not a new independent register verification. The UK crypto terms say crypto is outside FSCS and Financial Ombudsman protection.[1]
Why the entity label matters
Sections ↑The EEA cost disclosure names Wirex Digital Services S.r.l., while current UK and Wirex One terms name Crossmint for crypto. A customer should match the tariff to the entity in the account agreement and any migration notice. The EEA figures are retained as a scoped public reference, not silently assigned to the newer Crossmint relationship.[3][1][4]
- Operator
- Crossmint Europe, S.L. for UK crypto activities; Wirex Limited for UK e-money/card
- Exchange model
- Centralised
- Service scope
- Wirex combines crypto, payments and card features through different entities. UK crypto quotes, an EEA cost disclosure and Wirex One’s self-custody interface must be read in their own scope.
- Client types
- Retail clients
- Pricing publication
- Public and quoted pricing
- Pricing scope
- UK conversion pricing is quoted in app. EEA Wirex Digital Services S.r.l. disclosure separately lists 0%, 1.5% and 1.75% trading categories plus scoped inactivity/card rules.
- Funding scope
- UK tariff covers eligible bank, SEPA, Faster Payments and card top-up routes; crypto transfers and regional Wirex One functions have their own availability and quote.
- Custody and asset handling
- Custody and conversion roles under Crossmint Europe S.L. for UK crypto services; Wirex One expressly describes noncustodial technology, not the same account.
- Client eligibility
- UK service subject to the particular Wirex/Crossmint terms and restrictions; EEA tariffs and self-custody products may not match UK personal account pricing.
- Support
- Wirex official help and authenticated account support, identifying whether the issue concerns crypto, e-money/card or the Wirex One wallet.
- Authorisation and registration scope
- Company terms identify Wirex Limited FCA e-money FRN 902025 and Crossmint Europe S.L. Spanish crypto/payment permissions. These claims are entity-specific; UK crypto terms exclude FSCS/FOS protection.
Exchange metadata checked 26 Oct 2026Source 1Source 2Source 3Source 4
Covered contracting entities
Wirex Limited
- Jurisdiction
- United Kingdom
- Covered services
- E-money and card service
- Client and location scope
- Eligible UK account holders
Crossmint Europe, S.L.
- Jurisdiction
- Spain
- Covered services
- Cryptoasset service under the cited Wirex UK terms
- Client and location scope
- Customers accepted for the regional crypto service
Sources & further reading
- Wirex General Terms for United Kingdom users Wirex Help · Accessed 26 Oct 2026
- Wirex published UK account and exchange costs Wirex Help · Accessed 26 Oct 2026
- Wirex EEA detailed cost-transparency disclosure Wirex Help · Accessed 26 Oct 2026
- Wirex One wallet technology and regulated service terms Wirex One · Accessed 26 Oct 2026
This profile reports dated public information, including exchange-published services and terms. It does not independently test or guarantee trading, custody, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.