Wirex One Card vs Kolo Card
On real usage, Wirex One Card leads: $54.8M was spent with it in October 2026, against $20.5M for the other card. On our computed rating, Wirex One Card scores higher (4.5 vs 3.8 out of 10). The full side-by-side facts are below, taken from each card's directory profile.
| Fact | Wirex One Card | Kolo Card |
|---|---|---|
| Our rating | 4.5 / 10 (provisional) | 3.8 / 10 (provisional) |
| Network | Visa or Mastercard | Visa |
| Model | Debit · Prepaid | Prepaid |
| Card formats | Virtual · Physical · Visa Signature Metal | Virtual |
| Availability | Wirex advertises availability in 150+ countries, subject to product and jurisdictional restrictions. | Virtual cards only; a plastic card is planned for 2027 per the review report. Country eligibility is confirmed in the app at sign-up. |
| Rewards | Wirex advertises 0.5% to 8% cashback in USD depending on membership tier. | Standard cashback: 2% for the first 30 days, then 1%, capped at $2 per purchase in the first 30 days and $1 per purchase after, with a $100/month overall cap. Invite promo: 5% back in BTC for the first 2 months on the EUR card. |
| Pricing | The reviewed product page advertises no monthly or annual card fee; applicable terms and regional charges should be checked with Wirex. | Card free: a $10 deposit is required to issue and is returned as spendable balance. 1% fee on every card payment (conversion). EUR card FX up to 1.35% on non-EUR purchases. SEPA payout EUR 1. Default spend cap $9,000/month. |
| Funding | Spend crypto and fiat through the Wirex One app; conversion and supported-asset details depend on the account and region. In October 2026 Wirex One was reported to support Apple Pay top-ups (no Wirex fee on local card top-ups, instant settlement; USD top-ups carry a conversion fee as payments process in EUR, and the user's card issuer may add its own fee; availability is region-dependent), with Google Pay top-ups also reported. | Fund the Kolo wallet, then issue a USD virtual Visa Platinum (via Rain) or a EUR virtual Visa Platinum (via Wirex). SEPA payouts cost EUR 1. There is no personal IBAN for receiving EUR. |
| Spent in October 2026 | $54.8M · #4 of 28 tracked · Onchain | $20.5M · #7 of 28 tracked · Onchain |
| Facts checked | 2026-10-19 | 2026-10-21 |
| Cashback used in our math | 0.5% to 8% | 2%, cap $100/month |
Wirex One Card
People looking for a broad international card proposition with virtual, physical, and metal formats.
Kolo Card
Users who want a free virtual USD or EUR Visa Platinum card with cashback and can work within a $9,000 monthly default spend cap.
Questions about this pair
Which is used more, Wirex One Card or Kolo Card?+
In October 2026, $54.8M was spent with Wirex One Card and $20.5M with Kolo Card, across the programs tracked by PaymentScan and republished by Castle Labs. Wirex One Card is the more used of the two on that measure. Both figures are settled payments, not top-ups.
Which pays better cashback, Wirex One Card or Kolo Card?+
On the published terms in this directory, Wirex One Card lists: Wirex advertises 0.5% to 8% cashback in USD depending on membership tier. Kolo Card lists: Standard cashback: 2% for the first 30 days, then 1%, capped at $2 per purchase in the first 30 days and $1 per purchase after, with a $100/month overall cap. Invite promo: 5% back in BTC for the first 2 months on the EUR card. Headline rates come with caps, tiers and conditions, so check the worked examples on each profile before deciding.
How do the fees compare between Wirex One Card and Kolo Card?+
Wirex One Card: The reviewed product page advertises no monthly or annual card fee; applicable terms and regional charges should be checked with Wirex. Kolo Card: Card free: a $10 deposit is required to issue and is returned as spendable balance. 1% fee on every card payment (conversion). EUR card FX up to 1.35% on non-EUR purchases. SEPA payout EUR 1. Default spend cap $9,000/month. Provider fees and regional terms change, so confirm on the official fee pages linked from each profile.
More comparisons
Spend figures are settled payments tracked by PaymentScan and republished by Castle Labs for October 2026; see the spend tracker for methodology and caveats. Ratings are computed from structured listing facts by a fixed formula; see how we rate. This comparison is educational content, not a personal recommendation.