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Wirex fees and limits

Region: Europe

Name of the account provider: UAB Finansinės paslaugos “Contis“
Account name: Wirex VISA Card
Date: 21 October 2020

This document informs you about the fees for using the main services linked to the payment account. It will help you to compare these fees with those of other accounts.
Fees may also apply for using services linked to the account which are not listed here. Full information is available in your terms and conditions.

Service	Fee
General account service
maintaining the account Wirex VISA card account	Monthly maintenance fee Total annual fee	€1.20 €14.4
Payments (excluding cards)
Sending and receiving money via SEPA Sending money in euros – SEPA Receipt of payments in euros – SEPA Sending and receiving money outside of SEPA zone Sending money outside of SEPA zone Receipt of international payments	Per payment Per payment Not applicable Not applicable	Free Free
Cards and cash
Issuing of debit card Issuing of additional debit card Replacement debit card Card cancellation Debit card payment in euros Debit card payment in a foreign currency Cash withdrawal in euros in Europe Cash withdrawal in a foreign currency outside Europe Refusing a payment due to lack of funds Allowing a payment despite lack of funds	Per card Not applicable Per card Per card Per transaction Per transaction Per withdrawal Per withdrawal Per payment Not applicable	Free 1st - Free, then - €10/each Free Free 3% of the transaction value €2.25 €2.25 plus 3% of the transaction value €0.06
Overdrafts and related services
Arranged overdraft Unarranged overdraft	Not applicable Not applicable
Other services
ATM balance enquiry	Per enquiry	€0.23

Glossary
Term	Definition
Allowing a payment despite lack of funds	The account provider allows a payment to be made from the customer’s account although there is not enough money in it (or it would take the customer past their arranged overdraft limit).
Arranged overdraft	The account provider and the customer agree in advance that the customer may borrow money when there is no money left in the account. The agreement determines a maximum amount that can be borrowed, and whether fees and interest will be charged.
ATM balance enquiry	The customer views the account balance at a cash machine.
Card cancellation	The account provider charges a cancellation fee if the customer cancels the card order within the first 14 days and a card has already been ordered in the customer’s name.
Cash withdrawal in euros in Europe	The customer takes cash out of the customer’s account in euros at a cash machine in Europe.
Cash withdrawal in a foreign currency outside Europe	The customer takes cash out of the customer’s account in foreign currency at a cash machine outside Europe.
Debit card payment in euros	The customer uses their debit card to make a payment in euros. This can be in a shop, online or over the phone.
Debit card payment in a foreign currency	The customer uses their debit card to make a payment in foreign currency. This can be in a shop, online or over the phone.
Issuing of debit card	The account provider sends a debit card to the customer.
Issuing of additional debit card	The account provider sends a debit card to the customer for an additional user.
Maintaining the account	The account provider operates the account for use by the customer.
Receipt of international payments	When money is sent to the customer’s account from an account not using a SEPA transfer.
Receipt of payments in euros – SEPA	When money is sent to the customer’s account from an account using SEPA.
Refusing a payment due to lack of funds	The account provider refuses a payment from the customer’s account because there is not enough money in it.
Replacement debit card	The account provider sends a replacement debit card to the customer.
Sending money in euros – SEPA	The account provider transfers money, on the instruction of the customer, from the customer’s account to another account using SEPA.
Sending money outside of SEPA zone	The account provider transfers money, on the instruction of the customer, from the customer’s account to another account outside of the SEPA zone.
Unarranged overdraft	The customer borrows money when there is no money left in the account (or the customer has gone past their arranged overdraft limit) and this has not been agreed with the account provider in advance.

Top-up charges
Crypto top-up by external card			1%	1%
Bank transfer IN/OUT: SEPA			FREE	N/A
Bank transfer IN/OUT: FASTER PAYMENTS			FREE	N/A
Bank transfer IN SWIFT			FREE	N/A
Bank Transfer Out SWIFT			13 EUR (for EUR)/12 GBP (for GBP)/ 15 USD (for CAD, CZK, HUF, PLN, RON, HRK)	N/A
Transaction charges
Crypto exchange services			OTC rates + commission	OTC rates + commission
Fiat exchange services			Interbank rates + commission	Interbank rates + commission
Internal transfer (between Wirex users)			FREE	FREE
External transfer (crypto)			Blockchain fees apply*	Blockchain fees apply*
ATM charges (FX fee applies for withdrawals abroad)			EEA (including UK): £1.75 / €2.25 / $2.50 International: £2.25 / €2.75 / $3.50	-
Rewards
Cryptoback™*			0.50%
If you hold 500,000 WXT			1.50%
100,000 WXT			1.00%
50,000 WXT			0.75%
Limits
Fiat exchange			UNLIMITED	UNLIMITED
Crypto exchange			Limit varies depending on the currency from which the conversion is performed.
Crypto transfer OUT			Per transaction: $10k Per day: $50k	Per transaction: $10k Per day: $50k
Credit / Debit card top-up (confirmed)			$5k per day	-
Credit / Debit card top-up (unconfirmed)			$50 per day	-
Card spend limit per transaction			£7.5k/€8k/$10k per transaction	-
Transferring funds between current account and Wirex card			UNLIMITED	-
Maximum account balance			UNLIMITED	UNLIMITED
Maximum card balance			£15k / €16k / $20k	-
Spend from card			£7.5k / €8k / $10k per day	-
ATM withdrawals			£/€/$250 per day	-
Outgoing Bank Transfer Limits
	Min Trx amount	Daily limit	Max Trx amount	Max Trx amount
Faster Payment	£10	£3000	n/a	£3k
SEPA*	$10	n/a	n/a	$50k
SEPA Instant	$10	n/a	n/a	-
SWIFT	$10	n/a	n/a	$50k

*SEPA and SWIFT limits are set up in USD equivalent.

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Wirex fees and limits

Glossary

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